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Prepaid Cards BigPay - Prepaid MasterCard (with Mobile Apps) V2, CashBack, BigPoint & Remittance

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LostAndFound
post Jun 17 2019, 02:07 PM

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QUOTE(avinlim @ Jun 17 2019, 02:04 PM)
this is why, got so many heroes like to call cs for confirmation, finally bank give back the big punch at face.... all people all rewards gone.
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No correlation at all. MBB got any report of any 'hero' calling CS? The recent discussion is on PBB only.
LostAndFound
post Jun 21 2019, 01:32 PM

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QUOTE(thankyou @ Jun 21 2019, 11:47 AM)
I'll see one of you guys @ one of the HLB branches between 1-JUL - 7-JUL. Hopefully HLB get ready and spare more RM100 notes for us.

Ultimately, we are paying HLB per withdrawal...
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What's the rush to withdraw? Once deposited into BigPay cashback already earned, need to withdraw immediately?
LostAndFound
post Jun 21 2019, 02:23 PM

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QUOTE(PrincZe @ Jun 21 2019, 02:00 PM)
need to pay back bank  rclxms.gif
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Minimum 20 days to pay back. Can stretch to almost 50.
LostAndFound
post Jun 25 2019, 06:50 AM

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QUOTE(mr_tuzki @ Jun 25 2019, 01:36 AM)
I think that's counter-intuitive. Say there's 3 customers.

Customer A: RM100k credit limit. RM20k outstanding balance.
Customer B: Rm25k credit limit. RM20k outstanding balance.
Customer C: RM0 credit limit, never applied for any loans / credit card before.

If I'm the bank, I'll judge Customer A > B > C.
Customer A is using just 20% of available credit limit, whereas Customer B is using 80% of available credit limit.
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Credit limit is not unlimited. It's a representation of how much the bank would risk loaning to you at any one time.

So for someone with 100k income, perhaps bank Z feels can only loan them total 200k. But they already have 185k credit limit from other banks/cards. Even if their outstanding balance is 0, bank will not give the card.

Source - multiple failed CC applications until I cancelled the Citibank card that had unreasonably high credit limit (and zero utilisation).
LostAndFound
post Jun 25 2019, 10:50 AM

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QUOTE(jefftan4888 @ Jun 25 2019, 07:47 AM)
Bank will determine max credit limit from total income. Then they will decide how much they want to give based on application.
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If the max credit limit they determine is less than or equal to your current exposure (total credit limit based on your CCRIS) they will reject your application.
LostAndFound
post Jun 26 2019, 10:43 AM

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QUOTE(LostAndFound @ Jun 5 2019, 02:58 PM)
Now is Raya period, lots of people withdrawing money. Unfortunately its hard to predict when they'll reload the ATM. If it's also a CDM you can test by depositing and straight trying to withdraw.

For the record, my favourite ATM (Sunway Pyramid) I've also failed 3 times in the past couple of months. Can't say for sure if its due to any change, but the physical ATM and the software has not changed. However I have some secondary (a bit more mafan) ATM which still works, so it's not a across-the-board change for all HLB ATM.
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Now end of June, and far from Raya period, and people's salary mostly not out yet.... tried the Sunway Pyramid ATM again and it works this time, withdrew 4k no hassle. Much more convenient for me.
LostAndFound
post Jun 27 2019, 04:06 PM

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QUOTE(jefftan4888 @ Jun 27 2019, 03:03 PM)
Thought of experience withdrawal for the first time. Went to 3 HLB branches & tried all withdrawal machines, can’t withdraw neither 4k nor 3k. Wasting time travelling, petrol, time lining up, etc.  worth it or not very subjective to individual. Haha!
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Definitely not worth it to purposely go and find. That's why we have a list....
LostAndFound
post Jul 10 2019, 10:13 AM

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QUOTE(lbh @ Jul 10 2019, 10:08 AM)
When each of the user leave RM20 in their wallet .. that is cash flow to them without need to pay us interest. They are able to use that million of dollar fund to roll. That is business.
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Do you even know what 'cash flow' is? Hint, the word 'flow'.

And a financial business is not like a business to 'roll' cash flow. They can't suka2 use the money to loan out or invest.

Definitely loss making since inception. Like almost all tech/startup type companies.
LostAndFound
post Jul 15 2019, 11:28 AM

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QUOTE(koala225 @ Jul 15 2019, 11:11 AM)
Anyone BP been fraud? I saw a transaction I never spend, already contact cs. Still waiting their feedback for escalation. Do I have to replace a new card? Is there any fee for card replacement of fraud case?  cs informed to freeze my card until further notice.

user posted image
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That's not fraud... BigPay rightly declined the transaction. Someone tried to use your card (16 digit number) but did not pass verification (3 digit code).

So the question is how did your card number leak. May be your fault, may be a merchant's fault, sometimes may even be someone is randomly trying out numbers. Unlikely to be BP's fault, and (in my own opinion la) unlikely to be dangerous to you.
LostAndFound
post Jul 16 2019, 04:43 PM

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QUOTE(Tigerr @ Jul 16 2019, 04:30 PM)
I used to withdraw money from cc n pay 5% fees + 18% interest.

U know how much $$$ i saved with BP?
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It's not money saved bangwall.gif mega_shok.gif

May as well say "I used to drop my new clothes in the longkang everytime. Now I don't drop them, I got so many new clothes!"
LostAndFound
post Jul 18 2019, 01:37 PM

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QUOTE(Tigerr @ Jul 18 2019, 01:23 PM)
My boss every year also said company lose money but every year i see my boss change new sports car n buy big more n more bungalows.  Is it really lose money or not? hmm.gif
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Company losing money but you still getting your salary right? You think boss not paying his own salary?
LostAndFound
post Jul 19 2019, 12:27 PM

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QUOTE(majorarmstrong @ Jul 19 2019, 12:02 PM)
unker this month spend too much money jor, so need pay big ah loong like MBB and HLB
gonna do BT if cannot pay la
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Come you reload my BigPay I transfer you cash for 1% commission =) am sure many here will be willing to provide you this 'service'.
LostAndFound
post Jul 26 2019, 01:48 PM

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QUOTE(CardNoob @ Jul 26 2019, 11:04 AM)
What I meant is they should disclose the fee openly; not hiding it.
The dishonest practice is referring to transparent fee disclosure; not referring to the ATM fee.
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The fee has always shown for me.
LostAndFound
post Aug 8 2019, 09:26 AM

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QUOTE(WaCKy-Angel @ Aug 8 2019, 08:26 AM)
Actually what i confused is what has BT got to do with BigPay?

If i read correctly, someone said bank is/will have lower ppl doing BT because of BigPay? I mean i dont think BigPay has BT right?
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Balance transfer is to 'cover' the balance of your spending on a particular CC. Banks cover for you and charge you interest.

However with BigPay, you can just 'spend' on the CC to 'cover' your spending on BigPay, banks don't charge you interest immediately as with BT.

Myself, I think it's not very significant la. BT is mostly used to cover for overspend, and BigPay as a prepaid card just help to delay the overspend a bit only (additional 1 month + 20 days at most).
LostAndFound
post Aug 13 2019, 03:24 PM

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QUOTE(jefftan4888 @ Aug 12 2019, 01:04 PM)
Maybank will load 100 notes only in certain machines. The branch nearby my house always has 1 same machine with 100 notes. Other machines only max 1.5k.

Actually, just observe other people’s withdrawal. If you see 100 notes mean that machine can output 3k.
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If you 'observe' too closely someone may pick a fight with you (or call police). tongue.gif
LostAndFound
post Aug 29 2019, 04:06 PM

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More specifically, end of month, people withdrawing to pay salary, some ATMs will be dry. Similarly beginning of month employees withdrawing after pay is in, can dry up some ATMs also.
LostAndFound
post Sep 24 2019, 02:05 PM

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QUOTE(Deathscythe@@ @ Sep 24 2019, 01:50 PM)
This is a prepaid/debit card, if there is fraud , then our money will be risky? Feel very unsafe..
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Yes, better not to use if you don't have full confidence. Cash is the safest, will never get fraud or stolen.
LostAndFound
post Oct 3 2019, 10:25 AM

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QUOTE(onthefly @ Oct 2 2019, 11:52 PM)
didnt get, reload 1st August confused.gif
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I did get a cash rebate on 11th September, which I think is for 1st August spend (unless its SST waiver, does AEON give SST waiver? Can't remember if I even asked for that).
LostAndFound
post Oct 18 2019, 01:53 PM

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QUOTE(tan_aniki @ Oct 18 2019, 12:29 PM)
no issue so far doesn't mean later troublesome for u, maybe it's time to apply supp card for ur wife and top up for her, it's still the same function with cb features etc rather than risking for termination later on.
BP already stated this many times to top up with your own name cc only. Ask Jonathan and he will tell u the same.
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Please don't misquote, when Jonathan mentioned this he said there's no fixed rule, and they're only on the look out for suspicious transactions (e.g. using foreign CC, or one time big transaction with never-before-seen name). He explicitly did NOT say "cannot use your wife's CC".
LostAndFound
post Nov 6 2019, 08:18 PM

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QUOTE(davidw89 @ Nov 6 2019, 07:06 PM)
How do I use this overseas? Every single time I purchase, it sends a text message to my phone number. I won't have access to this abroad.
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If you're swiping at a counter still got text meh? If you're talking about doing online purchases while overseas then yes, you need access to your phone number. Why won't you have access to that abroad?

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