Could it be a surcharge fee? I haven't actually swiped my card at outlets or store before as credit card is not common there. But a travel agent in China mentioned to me that if make payment in credit card, there is an additional bank fee. In my case, 4% bank fee.

What they do is that they hold RM200 until the merchant settles/claims the money. When the merchant settles the claim, they will have the exact amount you used. The balance will then be released back into your account. Usually it takes around 3 days. If the merchant is fast, you will get it back sooner. You just have to make sure that you have extra money for the holding amount if you would like to use the petrol kiosk terminal.

Alternatively, you could go into the shop, and make card payment to the cashier via the card terminal by stating the amount you would like to pump. In this case here, your money won't be held.

My recent transaction to ctrip:

Oct 28 CNY140 (MYR84.15) settled at MYR84.19 (CNY100=MYR60.135)
Nov 2 CNY356 (MYR213.15) settled at MYR216.15 (CNY100=MYR60.716)

I've used the mastercard conversion rate to check with 0% bank fee and it's exactly the same amount charged. PBB would have charged 1.25% bank fee.

Yay! The pre-book meal discount of RM2 is back!

You should note that the date and time on mastercard conversion site follows US EST. So transaction before 1pm our time and after 1pm will have different rate as well. They update their rate for the day at 2pm EST, so our 3am.

Actually BP has no control in Mastercard exchange rate. Other Mastercards from other banks will give you the same rate too. The difference now is that BP shows you the amount in holding when you make a transaction, and the amount when it is settled. And I think because of this, because of the difference, some users only just realised something that has been happening all these while with other cards too. I have a habit of checking the holding amount when I make an overseas transaction way before there was BP card, and double check on mastercard conversion site. And when the amount is settled, I check the site again and they tally. The difference is that last time I would enter 1.25% at the bank fee portion, but now with BP, it's 0%.

I had one experience in Korea where there is an option to choose to pay in ₩ or £. So supposedly you should be able to select whether you want to pay in HKD or USD. So in your case, USD is selected somehow, which means that they will do the conversion from HKD to USD using their rate, and you will pay in USD. The rate that they use usually is not that good. As for the USD to MYR conversion rate, it will follow the mastercard rate since you use BigPay.

Do you mind telling us the name of merchant?

If you have told the cashier to charge at local currency but they still convert it, then can you actually ask the cashier to void the payment, and cancel your purchase?

I have one experience where merchant asked me to cancel the order coz they are out of stock. After cancelling, I got my refund back to my credit card on the next day.

The meal discount was back..... I've bought meals with RM2 discount just few days ago.... via website.

Did you purchase meal and got RM2 discount earlier? It seems like you can only get discount if buy all the add on at one go. The second time you do it, you will have to pay the full price. AirAsia will make you pay back the discounted amount.

You can still pay the outstanding amount online using other cards. BigPay card won't work now. Then, you don't need to pay at the counter. Yes, you won't be allowed to board with outstanding amount.

They used to have it on the old Big Prepaid Mastercard, which makes it look so cool.

This post has been edited by Lingohal: Nov 30 2018, 03:21 PM

In your Lazada wallet, there is this section under "Balance Details", where refunds can be withdrawn. I saw that but haven't tried before. You try and see.

I used BP to top up Lazada wallet since there is a 5% cash rebate right now. Then use Lazada wallet to pay during the sale.

I'm curious to know too. So far most cities in China don't accept visa or mastercard, but only union pay. And that is if they accept card.

Probably he was in Beijing? Then, there will be mastercard acceptance.

One lesson I've learnt, good to have union pay card as back up or for emergency usage, besides cash.

Which union pay card did you use?

Could it be that the union pay card that you use charged you bank fee? According to the rate given at their website, the exchange rate is around 0.60xxx
https://www.unionpayintl.com/cardholderServ...ate?language=en

If you use BOC travel prepaid card, then you can just store RMB into the card, so no bank fee. If you use PBB Union Pay debit card, there will be a 1.25% bank fee.

And of course, since you can use bigpay, then no bank fee is always better as you get lower rate.

Right. It's kinda like on and off. I bought luggage add-on on 11 Nov and I got discount, but no discount when I bought on 26 Nov. There is discount when I bought flight and luggage together on 20 Dec.

I just tried just now to add on food onto my flight and it showed discount when I entered BigPay card.

If data roaming, you have to pay. But for voice roaming, just to receive sms, it's free. Make sure you turn off mobile data and data roaming.

When I checked, there is RM2 discount given when I select BigPay to pay.