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

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avinlim
post Oct 10 2019, 02:28 PM

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QUOTE(kuroro6262 @ Oct 10 2019, 02:26 PM)
hi ,may i know if transfer after 12.00pm, next day when will received the transfer money in bank account? need wait until 5pm or 8pm? thanks.
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yes, please wait patiently.
avinlim
post Oct 14 2019, 08:54 AM

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Sorry ya, not find OCBC titanium thread to discuss this.

OCBC Titanium CB is calculated from statement month to statement month or from 1st-end of every month? TQ
avinlim
post Oct 14 2019, 09:12 AM

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QUOTE(AIYH @ Oct 14 2019, 09:03 AM)
follow statement month
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QUOTE(sidefulnes @ Oct 14 2019, 09:05 AM)
You can also ask on the OCBC 360 thread but to answer your question, statement to statement but comes in 2 phases. 0.1% + 0.9% few days later upon confirmation that your purchases are online transactions
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All right, follow statement month for cashback calculation. Tq ~
avinlim
post Oct 14 2019, 11:59 AM

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QUOTE(ClarenceT @ Oct 14 2019, 11:50 AM)
Fraud case. I am "learning" how Bigpay is going to reverse this transaction. Surprisingly no card replacement is needed!  Just ask me to freeze and unfreeze the card in the future. Haha.
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Wow...now u also kena....BP security is really low ehhh....

seems like ramdom bp users will kena fraud from time to time.

You are using android or apple phone?

This post has been edited by avinlim: Oct 14 2019, 12:00 PM
avinlim
post Oct 14 2019, 12:54 PM

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QUOTE(ClarenceT @ Oct 14 2019, 12:30 PM)
I am using Android. I never used the BP card at any Apple devices.
The transation was performed on 11/10/19 (I didn't receive any notification till this morning) but settled on 13/10/19. Very abnormal, hopefully it is just a technical glitch.
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Even its a technical glitch, its also very cheap in the level of security from BP.

They can't just technically having problem that merchant charged your card and balance deducted by syok2, suka2 happen like that.

They can have technical issue app not work good, card transactions cannot go tru...but not technical issue like that..lol... seem like more on card information compromised than just technical issue for me.

BTW, the refund you already? or need wait 60 days? ranting.gif ranting.gif
avinlim
post Oct 15 2019, 04:00 PM

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QUOTE(talexeh @ Oct 15 2019, 02:45 PM)
LEL is just another derivative of LOL.

All cards are susceptible to fraud transactions so there's no escaping it if your luck is on the lower side.

Get on a chat with BigPay CS & inform them about your missing referral reward & they should be able to sort it out for you.
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but seems like bp happen so frequent among the users compare to cc from bank
avinlim
post Oct 15 2019, 04:12 PM

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QUOTE(cybpsych @ Oct 15 2019, 04:04 PM)
not really

bp is EASY to notice fraud from the app

cc is hidden until you view your statement, login internet portal, or receive sms <-- bad bad experience, imagine those fraud txn cannot dispute due to long period
in fact, with BP, it helps by alerting us of fraud transactions easily .... unless you dont open the app for long period of time  laugh.gif
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How many times you kena fraud on your cc so far? and all fraud case manage to get back the money?
avinlim
post Oct 15 2019, 04:31 PM

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QUOTE(cybpsych @ Oct 15 2019, 04:27 PM)
both none.

doesn't matter how many times kena. it's how a user notice the fraud and reporting it.

the perception is obvious between cc and bigpay/app.
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Agree that bp easy to track, but still feel that the security level of bp is rather low compare to cc. Been here for some months already seen quite many people report bp fraud case.. including ClarenceT one yesterday.

This post has been edited by avinlim: Oct 15 2019, 04:45 PM
avinlim
post Oct 15 2019, 05:43 PM

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QUOTE(talexeh @ Oct 15 2019, 05:07 PM)
Perhaps stop with all this PM PM thing? This isn't Kopitiam & if there's a need to be so secretive, maybe we all should stop sharing any info among each other?
Nope, pretty sure it's appears to be more susceptible because members here are actively sharing this kind of info here.
I've had 0 on BP but already had 3 such cases on my Maybank CCs..
You signed up on something without going through such details? Bravo, first post is your best friend then.
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QUOTE(cybpsych @ Oct 15 2019, 05:30 PM)
nothing special to bp fraud transaction. bp is just convenient, hence ppl r reporting it here. they see it happened in real time as it happened. seeing more reports doesn't mean bp is categorically higher risk than cc.

other cc also face fraud . just majority of them don't know yet.

bp follows MasterCard policies and service t&c, including charge back, disputes, and refunds.

other than that, no difference

the issue I see from bp is their lack of experience n support to handle transaction disputes. they are young, compared to existing conventional banks which has established their cc business and processes for decades.

it's all about optics and perception.
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Alright, noted for all the daikors sharing the experiences.
avinlim
post Oct 16 2019, 08:14 AM

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QUOTE(tan_aniki @ Oct 15 2019, 09:32 PM)
Just a tips for you guys to get the money out from BP to Boost/HG without paying so much on the withdrawal fee, head on to HG to check how to earn over 10% return as HG has removed the 5x Boost transaction limit per day:

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Dont lure too much people into the pool. Otherwise, not sustainable, HG gonna change rules again. laugh.gif laugh.gif laugh.gif
avinlim
post Oct 16 2019, 08:34 AM

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QUOTE(cucikaki @ Oct 16 2019, 08:18 AM)
Ahahaha, the good days are gone. I get RM80 shake reward monthly by doing some ‘magic’ for the past few months
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rolleyes.gif rolleyes.gif rolleyes.gif whistling.gif whistling.gif whistling.gif
avinlim
post Oct 17 2019, 08:22 AM

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For OCBC Titanium, anyone tested the spending limit till the amount is not entitle for the 0.9% cb....? tq~
avinlim
post Oct 17 2019, 08:35 AM

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QUOTE(cucikaki @ Oct 17 2019, 08:31 AM)
I don’t dare to risk it. My CL is RM14.5k.

My spending for my statement date as at 12 oct is RM12k.
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So your spending of 12k got cb 1%? or just start your ocbc card?

avinlim
post Oct 17 2019, 11:39 AM

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QUOTE(cucikaki @ Oct 17 2019, 08:53 AM)
Yes 12k. 0.1% on statement date. 0.9% 2 days after statement date.
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Noted~ tq
avinlim
post Oct 18 2019, 08:51 AM

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QUOTE(alesi616 @ Oct 18 2019, 08:00 AM)
that means reload bigpay still entire for 0.2% reload only omg
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lol...please take some time to read it thoroughly. Our daiko ald posted the t&c for you ma, still you missed it once.

BP not consider as e-wallet for HSBC mpower.
avinlim
post Oct 18 2019, 10:57 AM

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QUOTE(Seng_Kiat @ Oct 18 2019, 10:41 AM)
something wrong if i topup and withdraw? Am I against something hee?
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Can do as long as within the limit set by bp. Personal advise, don't do it if you cannot payback the credit card later, will end up owing more money.
avinlim
post Oct 18 2019, 11:00 AM

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QUOTE(WaCKy-Angel @ Oct 18 2019, 10:57 AM)
What is the point to topup and withdraw then?
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Instant cash with 0 interest up to 50 days. No cash advance fee like direct CC withdrawal.
avinlim
post Oct 18 2019, 11:36 AM

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QUOTE(WaCKy-Angel @ Oct 18 2019, 11:30 AM)
That means u do not have money on hand? That is very dangerous.
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Cash liquidity is very good. Of course not being able to pay back is another risk later.
avinlim
post Oct 18 2019, 02:33 PM

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If can topup, ma use lo...if rules say cannot and system block ma dont do lo....why need dig out Johnathan to explain doh.gif doh.gif doh.gif really cannot understand you all.

Smart is good. Do act over smart la.
avinlim
post Oct 18 2019, 03:14 PM

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QUOTE(tan_aniki @ Oct 18 2019, 02:42 PM)
you all can refer to here:
https://forum.lowyat.net/index.php?showtopic=4623336&st=3573

there is no clear cut answer but the best is use ur own cc rather than always use others, it might trigger their system to call u
u might not want to wait for that day to come
anyway apply for a supp is better than topping up their acc with ur cc, their expense still under the principal like what i'm doing with the HLB Fortune RM108k pa quota

actually my intention is to let the new comers play safe that's all
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Oh...its daiko your post. Sorry no see it. haha

But if bp allows it means no problem to do so. Like boost, once your card already tight to one boost acc, the card cannot be use at other acc. so really need plan well before adding card.

anyway, do whatever when it still can and dont extreme way with reasonable approach should be no problem. notworthy.gif

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