yer i really damn suay loh!

but do you guys have spare credit, or just ngam ngam credit to proceed with the purchase of tickets?

Added to post #01 : "Use this card at any merchant that accepts MasterCard worldwide."

Thanks

So who's the merchant? Good to share so fairylord can update post#1, or can also highlight to BP..

She should have a debit Visa/MC and activate overseas usage, Bigpay MC is not 100% reliable.

Anyone knows where I can see the exchange rate for bigpay?

I tried to pay insurance via AIAonline using BP but didnt receive OTP after a few minutes so I cancelled the payment. 6  minutes later after I logout only received OTP. Is it that difficult for BP to stablised their system? Havent done much with it online except for topup and withdrawing cash.

Thanks for the feedback. Or is it too risky to bring only ~AUD500/NZD500, then once touchdown withdraw from foreign ATM couple of  thousands and the rest use BP to swipe?

I didn't even bother applying for amex cause my place totally don't accept amex.

No news yet on the referral program for us to update to wave cards? Big Pay CS said it will happen in September but there is still 0 news about it.

Am beginning to feel like I've travelled back in time when using a card that doesn't have the wave function. Would love to hear an explanation to why Big Pay refuses to change our cards for free.

All credit card companies did it to encourage spending..but somehow someone at Big Pay decided to discourage spending instead for their earlier customers? It doesn't really make sense...And I doubt it costs RM20 to manufacture a card...

Can I freeze the card when I am not using and unfreeze back if I want to use it again?

seems complicated, im getting out of here

Same day. Different by few hours. Same amount in sgd. Big pay 184.90, mbb2 amex 189.5. Just sharing.

Ya. About 2.5% difference. For us to decide when to use which card.

last time they hv this feature in their ezpay card..izzit successful?

Guys may I know how you guys ensure that bp deducts the correct amount from your account and shows the correct balance? From the trx history it does not show the previous account balance.

Create an Excel sheet so u can track max CC top-up reload in a given month.
On the right column, can track the existing row balance.
Instead of top-down for new entries, use down-up. So u don't have to scroll down to enter a new row
Any balance remainder not used can use eg: 10k-8546= amount to use to top-up on last 3 days of the month.
Why i say 3 days ? BP have on occasions go haywire during top-up on weekends.

In this way, u can plan future reload, spend & withdrawals.

We're working on re-hauling the entire export function and make it more intuitive / more user-friendly!

It would be great to have this feature than to manually reconcile on our own

Perhaps I'm reading things differently here, but Jonathan's example did not state "reloading using another person's CC = suspicious". Q4 of post 1 suggests that BP does not impose such a limitation (and this makes sense, for the reasons below).

There are many legitimate reasons why you would use another person's CC or bank account to reload a prepaid card. High income earners loading for dependents (children, housewives, retired parents) so that these people can enjoy the benefit and convenience of a card, when they may not be able to apply for their own CC. With family relationships, it is quite normal for people to pay on behalf and settle separately (or FOC).

Again, people using the card "normally" and with plausible explanations for transactions should have nothing to fear.

My example did not include "giving your credit card to someone to use"... I don't know how you managed to stretch it this far. Sorry, but to me, making broad statements about bank's supposed rules and legality and making unfounded assumptions about a simple comment is the "scare-mongering" that I wish would stop.

In MY "normal" scenario: Cardowner can input all the details in, load up, delete the card.  BP app is like any payment gateway (like how a parent would enter into their CC details on a webpage to pay their kid's school fees or buy plane tickets on behalf of someone else). Anyway, the TAC will come to the card owner's phone in order for the CARDOWNER to authorise the transaction. There is no need for anyone to one use anyone else's card.

Your transfer example  is an unnecessary additional step that you have suggested because of your perceived "rules" and interpretation of "legality".  It will not work in the following circumstances:

1. High income earner has many dependents and already used up his RM10k CC monthly allowance.  I was in exactly this situation where I paid for my family airfare on my husband's card, loaded money for hotels on my card, and loaded my housewife mum's card for her shopping expenses. My own RM10k wasn't even sufficient to cover my airfare let alone transfer to others.

2. The daily transfer limit is RM2k.  School fees, plane tickets, and hotels can bust this limit. I think transferring RM2k on a daily basis looks as (or even more) "suspicious" than reloading directly with a legitimate reason.

Anyway, I have given enough examples and provided my 2 cents in this post and previous ones. My overriding objective is to provide examples of the flexibility of the card (which I strongly believe is an excellent product), and to encourage "common sense, moderate, responsible and fair" usage of the card for its intended purpose without having to be paranoid about being banned.