brother, 2016 news and 2014 concept paper wor..
this thread is derail like train wreck already
do no worry about the cashback or whatsoever...
just use it as it should be...
the cashback will not go
yes lowyat.net is one of the most popular forum in malaysia...
but, still not as many ppl are as savvy in terms of CC benefits and so on
plus, how many % of our youth cannot fork out 1k when emergency according to our minister of youth?
credit card debts issue is still huge, even after the minimum income change.
ANY policy change that hurt credit card application rate will make the benefit IMPROVED, not reduced.
any debts issue will make the bank RICH on paper, not losses.
no commercial bank loses money in malaysia, so, please please please do no worry about these company anymore including big pay.

i was working in largest investment bank in south east asia as a cmsrl license holder,and i was a manager when i left.
i probably signed on more BNM memo per year than your age.
i was there when Maybank stock price is @ RM3.xx.
where were you?
so the bank are merged, it is true.
and your meaning being?
you think bank merge because bank are not earning money?
learn to read financial of the bank and credit health of the country before you comment?

Actually it wont. in many countries people can withdraw and pay stuff with their ATM card for ages. at any cashier of supermarket or convenient store ppl can ask for cash withdrawal. still, there are ATM.
in US today, there are ATM.
ppl comes and go, Banks, as a concept, have lasted since 2000BC.
hospital probably will go first before its bank's time to go.



This post has been edited by wanttobuylaptop: Oct 25 2018, 11:58 AM

yes, perfect example.
yes yes yes wechat pay alipay china pay, funny china love to pay.
because it is a society with no trust and at china, purchasing a house needed to pay up to 70% up front.
yes, bank only provide 30% loan.
Come on guys, we are in a loving society where ppl TRUST each others and banks love their customer!
the one thing for cashless "cash pay" to success is for them to beat CC, which, is, impossible unless the country economy crash and currency also crash, like Venezuela ( or Zimbabwe?) . unless ppl stopped lending money, cash pay cannot win CC.

This post has been edited by wanttobuylaptop: Oct 25 2018, 12:05 PM

of course the loan amount is still at the banks' discretion.
rich friend you had there.
my frequent travel to china now allow me to know more about their loans and most bank are not willing to loan that much.
and yes, the thread had derailed, which had occurred way too often.
i find it funny why ppl wants to worry things like this.

obviously my post wasnt keep to the topic and so the reply gotten removed as well.
anyway, insurance company has their own payment preference and their system will reject any card they do not recognized.
yes, insurance company can do so. i encounter this when i signed on my new policy two weeks ago for allianz.
the system scanned my card and showed not recognized.


old habit dies hard, plus this forum though me a lot of things, a lot. so i do speak whenever i can, if the topic is serious enough.

you already got paypass card?
it is recommended to have one paywave and one paypass so when either visa or master is having promotion, we can reap the benefit.
for convenient, if you are using a samsung phone, samsung pay can make any card wave up to RM250 if the bank support the payment method.
if not..well..

This post has been edited by wanttobuylaptop: Oct 25 2018, 04:29 PM

ur SC JOT should be paypass too so i think you are pretty covered lol.
and paypass is a lot less than paywave really so other than promotion, day to day it is a lot less usable.

well malaysia dont have applepay yet.
in Asia pacific only a few country are having it eg AU,JP,NZ,TW.
actually most US mobile company does not really keen about SEA business...
we are too savvy in tech...a lot more competition than other countries.

that is pretty impossible to happen.
you are topping up BP with credit card and the cvv is wronged? well, tell us what bank is it?

mmm...well...
this will probably get flagged, but if cvv2 insert is wronged and the payment still went thru, you can make a complain to the bank and bank negara malaysia.
the transaction will be in the system and it will be able to trace back. in fact, these details should be in the system for at least 3 years.
why complain? well, can get compensate from the bank...
btw, if you are so sure, you can make a police report also at the same time complaining to the bank.
also, it should totally be the responsibility of the party who RELEASE the fund to do the check, not the one who accept the fund.
so in cases related to top up BP, BP is not responsible in anyway.
if when we do online purchase with BP and it goes thru with wrong cvv of BP, then BP is responsible.

This post has been edited by wanttobuylaptop: Oct 26 2018, 09:39 PM

top up grabpay master with amex
top up bp with grabpay master...
damn, bp 10k limit looks like really not enough now...

you can complain to kpdnkk or directly to bigpay if points is missing or service is down etc.
but, posting and blaming in a forum? funny, very funny.
either dont use it, or complain these service issue to the Relevant department instead of ranting at forum.
just because john is here so we get the power to abuse and bully him?
bigpay is a financial instrument, you can even complaint to BNM.
there is a different between constructive suggestion and pointless blaming,
your effort would be more appreciate in complaining to the right authority.
i too hope you understand.

please read to the poster who i replied to and how the wording had been construct.
he already complain to BP and choose to rant here, mentioning things that probably already was in the complaint towards BP.
Additional feedback, which, in your opinion, should be ranting something that Already complaint to the company?
if that does not constitute blaming, what is?
Feedback sounded more like i talk to my staff than i talk to my supplier. feedback more like i dont like the way you work than i think you can work in this way.
pretty mature way of giving feedback, really. so instead of "my way" as coined by you, we should just rant, which in your opinion is effective feedback and proper way of raising complaint. this sounds like perfectly alright way to you.
perhaps the taxis drivers are right, Grab should be terminated by the government.

i said make the complaint to relevant departments, you said is MY WAY
and how press the report tab if thinking it is abuse or bullying, You way, right?
funny, it sounded like you doesnt talk so straight suddenly.
me asking for complaint to address to the right person is MY WAY,
your suggest to press the report is what now?
in my statement, i am making a statement about because john is here, WE get the power to abuse or bully him.
i am talking about WE, from the beginning.
i dunno which word touches your soft point, guilty?
i am questioning everyone, and you make it personal.
perhaps it is better for you to understand, before your hand start typing?
having a good reflect of your limp is good, perhaps it would be better if the brain can compliment it.

This post has been edited by wanttobuylaptop: Nov 2 2018, 05:36 PM

comes 1/1/2019, per BNM newest rule, any withdrawal or deposit of cash amounting to 25k will have to submit a declaration. currently, is 50k.
so 10k is nothing, really, nothing.

for taobao 1111 sales, i believe only certain banks' cc get waived 3% / discounted shipping. last year i was using MBB. in the end i pay nothing for the shipping and a lot of discount other than in taobao, as MBB will also get discount.
so i highly doubt BP will be getting the waive for 1111 taobao sales.

made an USD transaction for 137 dollar.
BP charging me 575.xx
visa rate with 1% fee is 582.xx
amazon currency converter is 603.xx
well, let's see when the figure is when its settled...

mine on 1111, one settled which is wrongly charged by shopee, one pending which is rightly charged by lazada. funny.

i advice all BP user download the transaction from the app since we begin to use the card to check any discrepancy. realized money missing last friday after check and today the genius CS on the app respond like everything is because user didnt bother to check clearly, ask me to ask my bank. eventually the CS pull transaction statement from his system, found out that BP had NINJA charge 1.5k and somemore it does not showed in app or the excel export, total ninja.

mentioned i will make a complain to BNM because its a direct violation of BNM guideline on Electronic Money, circular BNM/RH/GL 016-3. the CS immediate call me said that it was a misunderstanding. miss my backside. at the beginning so cocky ask me to check this check that, then said i didnt provide the transaction details. How do i give a transaction details if the said transaction is NINJA by BP? all the CS did just want to push the responsibility to me. Godlike level CS.

The case had been escalated and i will only give them until today to gimme a reply before i escalate to BNM.

moral of the story, always check your bill.

yes ninja means an act done without people knowing, and yes it is missing money in my case.

BP statement showed a 1.5k transaction charged to BP without any details. in app, no such charges, in the excel export from app, no such charges. no charges was hide in the app too. so this 1.5k is magic done by BP system.

i mention my account was not tally ask the cs to check and the cs keep asking me provide information. funny la, the cs not willing to check, actually he never bother to check at all.

best part is CS accuse me not given the transaction details. they likely think we the user are god to them because i would have know beforehand that a charge that does not appear in app, or excel export, and only appear in their statement which we will not have it unless we ask BP to provide. because probably only god can predict on which day BP decide to ninja charge its user.