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

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won931106
post May 18 2019, 09:13 AM

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QUOTE(talexeh @ May 18 2019, 08:27 AM)
Seems to be the case. I can't see any of my accounts in the website while in the app, there's a small notification indicating that they're working on getting the app up & running again.
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was though to check and pay the bill is available but not found...... totally empty page
won931106
post May 18 2019, 10:40 AM

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QUOTE(Noobmaster.69 @ May 18 2019, 10:17 AM)
is it worth to top up big pay then withdrawal with rm6 fee?
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depending how you do. your main purpose and the benefit VS the cost
won931106
post May 22 2019, 02:05 PM

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QUOTE(jefftan4888 @ May 22 2019, 12:34 PM)
In my opinion, anything below 1.2% cash back or reward points not worth our time, petrol to look for ATM that can be used to withdraw for at least 3k.  sweat.gif
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if the amount is huge then should worth..... but you are totally right if you gonna waste the time and petrol just to find any ATM to withdraw big amount of money
won931106
post May 22 2019, 09:13 PM

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QUOTE(digidigi @ May 22 2019, 03:57 PM)
20 cash back if need spend time and petrol and life to find for atm then is totally pointless
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20 CB maybe little but then it depending how much time you gonna waste for it so it worth. if just a few minutes of time why not?

QUOTE(knwong @ May 22 2019, 05:43 PM)
I'm talking about any finance product, from FD to tourist tax rebate. If the amount is minuscule. Don't waste your time
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we all know. but all these would still I could say is that....... the decision is down to the person who choose to use it or do it.
won931106
post May 29 2019, 11:51 PM

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QUOTE
Just to report, bigpay finally reverted the error withdrawal $3006 after 73 days.
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such a long process and the money was locked for such a long period of time doh.gif

QUOTE
QUOTE

You compare Apple vs Orange.
Bigpay :1 Big point (1 sen for AirAsia flight) per RM20.
Maybank: how many Treatpoints/rebate you will get for RM20? (some items excluded for reward/rebate)
500 Treatpoint = RM1 for on-the-spot redemption.
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QUOTE
When maybank combine with bigpay biggrin.gif Win-Win

Gold : RM1 = 1 treat points
BigPay : RM20 = 1 BIG Points

RM500 Scenario:
500 TP = RM1
25BP = RM0.25
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totally right.......

QUOTE
Just received email from AirAsia that BIG Points will expire within 24 months instead of 36 months previously.
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previously i just done some checking that say wont expire as long as there is earning or usage within an period of around 12 months?
but well the main aim for BP wasn't the BigPoint though.

QUOTE
well, my big points accumulates too slow to redeem any flight anyway..
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ya...... by normal use without go for the AirAsia ecosystem the earning is way too slow

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lol , I thought Big point never expire.
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ya same goes to me

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QUOTE

Can redeem buffet smile.gif
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QUOTE
how?
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QUOTE
AirAsia Big Loyalty apps --> BIG Deals
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QUOTE
Very bad value leh
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QUOTE
What to do, no $$ go abroad  sweat.gif
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QUOTE
only redeemable via app? never use their app before
can, but not sure the expiry of points will be 'renew' or not
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maybe would have a check afterward when free to do so sweat.gif

won931106
post Jun 1 2019, 10:46 PM

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QUOTE(MGM @ Jun 1 2019, 09:11 AM)
To get 10% but for June spending.
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possible to get 100 cashback for june? or just the spending count for 50 cashback?

QUOTE(fruitie @ Jun 1 2019, 09:15 AM)
That's the trick. If posted today, we only need to spend RM 500 for RM 50 instead of 2500 for RM 50. Check out MBB VS thread.
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really?

QUOTE(TheLegend27 @ Jun 1 2019, 04:55 PM)
hi, wanna check if lazada now accept bigpay? decline when i wanna topup lazada wallet.
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i am paying lazada with topup and pay and it was success

QUOTE(desmondk @ Jun 1 2019, 06:39 PM)
Hi, I try to find the answer from the first page. But i didnt manage to find it.

Can I know what is the maximum limit for BigPay card per transaction? Per swipe.
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i think the limit would be the card max money limit which is 10k
won931106
post Jun 2 2019, 09:12 PM

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QUOTE(noos @ Jun 2 2019, 10:21 AM)
May I know is there any charges for local ATM withdraw?
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yes there is

QUOTE(wongmunkeong @ Jun 2 2019, 01:45 PM)
reading is optional in MY tongue.gif
T&C of BigPay & its FAQ + first page of this thread/topic helps
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some people yes while some no...... but sometime maybe others just urgently need to get an answer rather to do some research.

QUOTE(Nicholasng925 @ Jun 2 2019, 06:30 PM)
Is this the new limit, or the machine is capable of dispensing 4k?
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so far i we all know....... other than ATM sided at GENTING, 4k currently is the known limit

QUOTE(rivetindigo @ Jun 2 2019, 07:12 PM)
Not sure it can dispense 4k. Just tried at 3k
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yes it can...... from my withdrawal 2 weeks ago
won931106
post Jun 4 2019, 09:06 AM

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just thought that wanna to withdraw for going back hometown.
but once i saw the machine with temporary out of service vmad.gif
nvm just go for Debit card withdrawal from bank account then.
won931106
post Jun 5 2019, 08:43 AM

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QUOTE(skty @ Jun 5 2019, 12:50 AM)
unless BP has no limit cap, it can't never act as account to receive salary.
more than 10k salary per month is very common nowadays.
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ya it's quite common nowadays

QUOTE(voncrane @ Jun 5 2019, 04:57 AM)
Correct me if wrong. Dexter wants salary to be paid to BP card.. A prepaid card versus an actual savings account? So what, so you can then cash out for daily expenses and also pay utilities? Hello!! Your bank account (which comes with a debit card and no  limits.. Collect 200k today and decide to spend it all in the same week? Done!) already does this AND has a comprehensive list of utilities you can pay to... And dare I say, free ATM or over the counter withdrawal.. Why would a prepaid card issued by a not-bank even think in that direction. Means they'll have to become an actual bank and bound by the additional rules, checks and balances, etc imposed by BNM.
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BP and bank debit card both have their own good and missing point. i dont think bank debit card would have spend report and analysis while BP is not having any interest paid as compared to bank. well those does not affect much......
won931106
post Jun 5 2019, 08:43 PM

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QUOTE(Dezs @ Jun 5 2019, 01:32 PM)
Hmm guys am curious if you face new problems with HLB atms that can dispense 4k one shot. My favourite ATM seems to be rejecting me now saying over limit. Any one experiencing this change? I.e. myb atm guy noticed and reset to 2k? MBB most kantoi 1.5k nia lol
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maybe due to huge withdrawal for cash as Raya has near

QUOTE(funlp @ Jun 5 2019, 06:33 PM)
Successful withdrawal rm4k from HLB MV (NCR atm) today at 6.15pm.
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Mid Valley? behind the hoshino cafe? yesterday morning the ATM machine was out of service sweat.gif
won931106
post Jun 6 2019, 08:34 AM

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QUOTE(funlp @ Jun 6 2019, 01:11 AM)
Yeap, the one next to Hoshino. Guess they refill it ytd morning.
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bangwall.gif didn't go try it out night haiz...
won931106
post Jun 8 2019, 12:11 AM

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QUOTE
those pumping rm2.5k straight to bigpay using scb jop, take note on the new revised benefits effective 1 July 2019
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at least this month still can get it

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And BP top-up capped at RM30 per month. GG
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30 better than none but it still an big reduce on the benefit

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furthermore need spend RM2500 or above only can get RM30 online, RM2499 or below max cb is RM28 lol...
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ya..... shocking.gif

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So the effective cashback for BigPay is only RM30, with RM2.5k topup. And only need to topup RM1.5k to get RM28 cashback. 1.87% isn't too bad.
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if there is better card..... then maybe consider switch to those card

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We "only" need to top up RM1400 with MBB FCB to get the same RM28 cashback.
Oh well, I guess it is still better than HSBC and RHB VS then. Still, it's a shame that all good cards are getting revised more and more frequently.
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i just start it for 1 months...... and most card TnC is getting revised sweat.gif rclxms.gif

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Dont forget to include deduction of annual fee + sst laugh.gif
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yaya this 1 quite a lot

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It's not that bad actually. 2.3k to BP & 200 Petrol, you will still get 60 which is 2.4%
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maybe will consider between Maybank Petronas Ikhwan with this.

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It's a lot.... my Petrol trx suppose to go to MBB VS... cry.gif
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ya....... 15% for petrol bye.gif

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MBB VS is 5% for petrol, SC JOP is 15% (assuming u spend RM2500)
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but Maybank is without minimum spend......

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Too bad. We have to get used to it as banks will cut benefits gradually
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ya...... as the move from BNM is start it switch the society from cash society into cashless society which would reduce all those charges from bank on the cashless payment method
won931106
post Jun 8 2019, 12:24 AM

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QUOTE
yeah still a good card in fact, but RM50 cash back other card can easily achieve, RM60 max only +10 and need spend RM2500+
SC JOP is because previously RM85 attractive smile.gif
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it still a good card..... for those who didn't actually do the transaction with BP for full CB. just that the CB cap from 85 drop to 60

QUOTE(cybpsych @ Jun 7 2019, 07:05 PM)
working atm/cdm list in post 1.

others, assume not able to.

even those from post 1, sometimes limited to notes availability.
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of course can assume so but no 1 could 100% sure those not mentioned wasn't working as the way you want.

QUOTE
Seems like every bank is realizing that we using BigPay as a loophole, eventually they will exclude bigpay topup from cashback.  bye.gif
bangwall.gif  bangwall.gif
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i dont think they can do so specially to BP. except BNM does allow. else it would just like an bias toward BP

QUOTE(cybpsych @ Jun 7 2019, 07:09 PM)
wrong to assume that.

you think everyone using JOP for bigpay exclusively?
it's simple as this: can you spend rm200 on petrol/autobill (insurance, mobile, utilities)?

if yes, 200 on those + the remaining 2300 can be loaded into bigpay as what you've been doing now.
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yaya

QUOTE(tan_aniki @ Jun 7 2019, 08:45 PM)
sure can call for waive one, if can't waive then just cancel lo, the operator will plea you not to cancel by offering AF waiver in the end
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most of the time yes..... but not for some of the time tongue.gif

QUOTE(sl3ge @ Jun 7 2019, 09:16 PM)
what if i call the operator say cant waive,
but the annual fee RM250 already charge in my bill,
and will the bank force me to pay?

because last time i apply a credit card,didnt activate it(regretted apply it),
few weeks later being charged RM25 sst,
i called CS say i dont want the card (since i didnt activate it),
but the CS insist i need to pay the sst eventhough i dont want the card and also havnt activate it.
Does the CS is right?
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for SST part, the CS was right if not mistaken. as the SST was charged by government but not the bank. once they approved the card, it would be recorded into Credit Bureau

QUOTE(limeuu @ Jun 7 2019, 09:40 PM)
BNM rule is that sst will be charged the month after activation of card, or if not activated, on the 4th month after issuance of card....
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thanks for sharing the knowledge

QUOTE(geekfiredog @ Jun 7 2019, 10:33 PM)
For those credit with annual fee (or uncertain AF waiver criteria), DO NOT use it for installment or balance transfer to the card - you are tying your own hands for the bank to decline your AF waiver request!  Stop using the card before the card anniversary date (or a week or so before your statement date prior to expire month), then wait for the bank to charge AF and call to ask for waiver - cancel the card if the bank rejects your request.
That was before the SST time,  SST & GST are charged on the same date now.  AF is easy to deal with (cancel card if can't waive) but SST is more complicated.  "Service Tax 2018 : Guide on Credit Card" stated SST need not be paid if the card is unused after renewal date, and the bank is entitled to deduct from tax return if it has been paid.  I've not done it personally to not paying SST if the card is not used after SST is charged - so no experience in dealing with banks on this yet.   Maybe someone have done that before can share their experiences!

user posted image

Service Tax 2018: Guide on Credit Card
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1st time read on those SST guide. so this mean once it near to the renewal month and if i plan to waive the Annual Fee, then i shall stop using the card and try to call for Annual Fee waiver and cancel it if not waive with no SST (but still need to pay the annual fee right once it has been charged and go for call for waiver)

QUOTE(zenquix @ Jun 7 2019, 10:48 PM)
if you are working in Singapore, I recommend you open an account with both CIMB SG and CIMB MY. Via CIMB Clicks Singapore you can transfer from your CIMB Singapore account to your CIMB Malaysia account at very good rates (even better than Midvalley). Just don't make it your main account due to poor ATM coverage island-wide.
Ugh and I just got the card this month.

The RM30 cap online spending, as mentioned by others, is really not much of an issue. Just move RM200 spending to autobills and petrol and you can max out the RM60 cashback loading RM2300 to bigpay (until they declare quasi cash as non earning like Singapore).

The hurt is really the RM85 -> RM60 cap and  non auto-waiver of AF. If AF is not waiveable, you are basically burning close to 5 months of max cashback for AF + SST
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so this mean you actually can use it for foreign exchange and earn difference in exchange rate ? i mean it is possible right?

ya the CB cap hurt the most
won931106
post Jun 8 2019, 01:16 PM

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QUOTE(ClarenceT @ Jun 8 2019, 12:08 PM)
When e-wallets become popular, you need to pay a surcharge for cash payment/deposit!
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surely will do.

QUOTE(digidigi @ Jun 8 2019, 12:18 PM)
Good that malaysia market will take longer to penetrate , hopefully the battle can take longer
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hope you dont forget that whenever there is war...... once it end...... the effect is coming also. just unsure more toward good or bad flex.gif
won931106
post Jun 9 2019, 12:42 PM

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QUOTE(estcin @ Jun 9 2019, 10:03 AM)
Already listed down the names, manatau kena report and delete
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i think i do manage to see it somewhere previously.
won931106
post Jun 9 2019, 05:52 PM

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QUOTE(ClarenceT @ Jun 9 2019, 03:41 PM)
Eg UOB Yolo,  0% CB on Bigpay but 8% CB on Shopee.
It may cost you 1.3% (more or less) but you may get 8% CB from UOB.
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wow another good idea. thanks for sharing
won931106
post Jun 10 2019, 09:33 AM

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QUOTE(owodog91 @ Jun 10 2019, 08:20 AM)
Can reload with cc.. and i tried for withdrawal and it is okay.
Just that the first time withdrawal they will call u to verify , videocall u and also need for bank statement..
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i never have such situation before.
won931106
post Jun 10 2019, 02:23 PM

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QUOTE(thankyou @ Jun 10 2019, 01:49 PM)
I'm currently standing behind a woman @ HLB MV... Whoever you are... You gotta stop.... It's 7  X 4000 withdrawal now... Zzz
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sweat.gif 7X4k? that was 28k rclxub.gif

QUOTE(LostAndFound @ Jun 10 2019, 01:53 PM)
Hope she leave some for you eh. This is why suddenly ATM can have not enough money.

EDIT: Also, 7x4000 means she's not using BigPay to withdraw, since BigPay is max 10k =) Even if she has 3 BP cards for some reason still not enough.
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haha maybe she is urgent need huage amount of cash? go bank counter report say suspicious cash withdrawal? who knows maybe scam or what for that lady brows.gif

QUOTE(thankyou @ Jun 10 2019, 01:56 PM)
I didn't see how many cards she's holding... But she's definitely very familiar with the process... Smooth withdrawal every transaction...
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shakehead.gif

QUOTE(digidigi @ Jun 10 2019, 01:57 PM)
She using big pay?
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ya same wondering

QUOTE(koala225 @ Jun 10 2019, 02:00 PM)
She wants to drain out all the cash? Later u will see out of service.haha
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icon_idea.gif
won931106
post Jun 10 2019, 11:21 PM

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QUOTE(digidigi @ Jun 10 2019, 02:23 PM)
4 big pay answer your question:)
most likely big pay la....
If smooth withdrawal with credit card like that every month she gonna broke alr
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ya if CC..... the cash advance charge quite a high interest

QUOTE(Nicholasng925 @ Jun 10 2019, 02:25 PM)
By the time she see this post, she would have left the ATM for you LOL!
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rclxms.gif

QUOTE(ps007 @ Jun 10 2019, 02:25 PM)
Lol.. she so evil.. so, do u still manage to withdraw 4k?
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i also wondering actually

QUOTE(skty @ Jun 10 2019, 03:12 PM)
7 x 4000 in one shot?

maybe next time I can do this. I normally do 4 x 4000 then deposit back the money and then continue again round and round because worry ATM not enough money.  biggrin.gif

welcome to follow this method if you want BigPay to ban your account soon. hahahaha  brows.gif
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hmm..... high chance will do so......
won931106
post Jun 10 2019, 11:29 PM

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QUOTE(Tigerr @ Jun 10 2019, 03:27 PM)
Withdraw 2 x 4k is as bad as withdraw 7 x 4k. U also should stop it as well. tongue.gif
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ya..... even 4k for me also fell like not so right but no choice...... like some says..... need pay "loan shark" tongue.gif

QUOTE(digidigi @ Jun 10 2019, 03:28 PM)
Both is doing the same ‘things’ diff is just baby shark and big shark
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laugh.gif both are shark

QUOTE(tifosi @ Jun 10 2019, 03:52 PM)
I thought there's an ATM limit of 5000 per card per day? How can she withdraw 28k one shot?
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maybe can up the withdrawal limit? but per transaction that's the limit i think

QUOTE(koala225 @ Jun 10 2019, 03:54 PM)
I don't think it's the same card. Debit card have daily withdrawal limit. Should suggest her go to counter if she needs withdraw large amount. Otherwise I will suspect she is not using her own card. PS - just my opinion.
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sometime..... when people dont want to be question for huge amount of money withdrawal then over counter wasn't their choice

QUOTE(Tigerr @ Jun 10 2019, 04:39 PM)
I know a group of people holding at least 50+ tesco member card n they whack the Raya promo till the Tesco staffs stopped them from swiping the member card. tongue.gif
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sweat.gif it is totally normal for some of those specially aim for these promo

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