If can get good exchange rate why not?

I don't think it is relevant what I use to pay, as long as I can afford to pay. So what if one is carrying a Platinum card but rejected? Besides, I'm Chinese, I walk in LV @ Champs Elysees, they treat me like a boss along with the hundreds of China tourists there. When I was in Hermes in Frankfurt, the service was impeccable, simply because I was Chinese. I looked at the Arabs in there with me, they didn't get as good service as me, although they might have been carrying gold bars.

Exactly. It's god sent.

Sometimes we spend on company expenditure whereby we can claim back end of the month but not from our cash money from bank, that's why credit card company earn money if we use it more on spending.

Please implement withdraw limit to stop those reload and withdraw habit without spending power to grow your business, limiting reloading with credit card will limit ur business and hope you can share this with Tony and he will agree with this statement.

Personally I don't see why is there a need to limit top-up from credit cards, if after verification (which Big Pay did by the way, kudos), that the customer can prove that they are not doing dodgy or illegal things.

Of course at the same time I see a lot of people asking questions here that clearly shows that are up to no good.

Why do you need to care what is the max you can withdraw? Or what's the cap? You just use it like a genuine user, and able to show documentation/proof to Big Pay when they call you asking for verification. You don't need to be afraid of anything. I didn't get banned, Big Pay is professional and they are regulated by BNM, so clearly these group of users are up to no good, but you shouldn't punish the rest of the genuine users by introducing limits like this.

May be just issue BP Premier card for the big spenders.

I fell off my chair and still struggle to get up reading your reply

malaysia really is behind in term of financial management

Maybe BP WMC lol~
With priority pass as well~
With min salary of RM10k/month with EPF uploaded for verification~

This post has been edited by tan_aniki: Jul 26 2018, 01:33 PM

it's called fup for a reason. bound to hit the other spectrum of users.

they are not punishing users, the change is more to business needs rather than user experience, but that is manageable at 10k threshold. be grateful this didn't set lower than 10k.

It's definitely two different strategies. But what I am pointing out is a strategies that can prevent BigPay incur more "third party charges" and giving flexibility to BigPay user to top up more than 10k per month using cc if that is what they want to do. WIN-WIN situation so BigPay should not say no to this proposal unless there is other reason rather than just "third party charges".

I don't want to say something to represent the society because I am not the Prime Minister , but I myself DEFINITELY WOULD NOT top up BigPay using debit card/banking.

So at the end, after I finish top up 10k into BigPay using credit card for this month (normally will be around 2nd week of the month), I will just keep the card into my drawer.

In short, in this world, human need to have "usable" value only other people will "friend" with you, it is mutual benefit. Same goes to every product in this world. So for this case, you have just set a limit on the "usable" value of BigPay card.

hahahaha good one la!!!

but don't blame ppl, blame the government, because it's all due to education.

That’s why I didn’t bother to respond. Not my job to educate people, and they are free to voice their opinion even if it’s rather, how do I put this politely, financially ignorant.

My first encounter with FUP is with mobile telcos.

There’s no right or wrong, what’s fair to you isn’t fair to me. And vice versa so let's not get into a debate about it. This guy outlines the issues with FUP:
https://markgalangmusic.com/2014/01/30/fair...licy-is-unfair/

I feel FUP is just a load of crap companies hide behind to justify their actions. But again. I emphasize, that’s my opinion, don’t hammer me for it. You are free to disagree and I’m cool with it.

I don’t have to be “grateful” to Big Pay. They are a business and I am a user. When I use the card they collect fees from the merchant. It is their call to introduce whatever limit they deem fit, and I’m merely pleading with them not to do this as it was an excellent product to begin with, and now they are just setting a course to be another (in my opinion) “meh” product.

I understand the logic they have a RM10k withdrawal cap. You shouldn’t really need to withdraw so much cash, since you can buy the LV bag by using the card and PIN. And I don’t want to carry RM10k or equivalent in foreign currency. But limiting top up when using credit card hurts genuine users.

Bigpay has a rm10k withdrawal cap?

not hammering you

same argument can be said to cc reducing cb benefits too.

if banks giving me RM10k credit limit, and allows me to spend up to RM10k, i as a user expecting cashback for RM10k too! (wishful la) . of course, if i am not prudent, bank making tons from finance charges off my RM10k spending too, but banks doesnt see it worth to give me cashback based on my CL. they rather limit the cb per card, hence managing their budget allocated for the card with cb.

e.g PBB VS now giving up to RM38 cashback which translates to RM633 spending; above it has no benefits to me. however, there are ppl spending >RM633 too or lesser than that.

primarily it's all about business needs, user experience is secondary.

anyhow, things could change anytime, for the better/loosen policies or worse/tighter policies.

Hi, please read Post #01 to get latest info as short cut,
Since you have asked (the shortest cut), will just answer you: Nope, we are discussing about the newly implemented FUP on CC Top Up, monthly RM10,000 cap. On withdrawal, still no official clarification yet.

Dear BigPayJonathan for this Focus Group Discussion I can provide invaluable feedback. I've experience participanting as well as organising FGD before. I promise to behave

I don't ask much for the freebies, just a same day return Airasia ticket to participate since I am based in Johor. Will be a good marketing to promote if you can organise this

Yes I have the same problem. It's because we've chosen a large system font!

You won't withdraw >RM20k in a calendar month if no credit transfer from another BP card.

Let’s say if I reload via my credit card, then I’ll go to the Atm to withdrawal as per normal Atm usage. The max withdrawal is rm1500 per transaction and for that I’ll be charged at rm6?

New market segment for BP👍👍

Ya lo, some people still say prepaid card can avoid u for overspending etc and credit card u using future money ....
don’t know how to answer really