Hi Jonathan,

I think this policy is a step backwards, and removes the best features and benefits of Big Pay. Let me explain why.

These days, instead of using my credit card, I will load my Big Pay using my credit card, and use Big Pay for everything. Online transactions, offline transactions etc. So not once do I bring out my credit card on websites or in stores.

Why do I do this? Because my credit card has been stolen and used by other people in the past. And a recent example, my AirBnB account was compromised and the credit card I linked to it was also used. So now I no longer link my credit cards, I link Big Pay where I can.

This way, I control my Big Pay, and I don't leave much money in there, maybe about RM100 or so at all times for convenience (by the way please introduce Paywave). So instead of having my credit card exposed with a high credit limit, my exposure is only RM100.

And I ALWAYS use my Big Pay for shopping online and ESPECIALLY in foreign countries, because Big Pay gives me superb exchange rates. Way better than all the MY banks. I'm going to Europe soon, and I'm going to use my credit card to load up Big Pay, and buy LV with Big Pay. Now why the hell would I want to use CASH to buy when I can use credit card (indirectly) using Big Pay, and I get best exchange rate, protect my credit card, and earn BIG points in the process? I thought the idea of Big Pay was revolving around travel as well, being part of AirAsia. And when one travel, one shops.

Now the best part, I no longer queue in Midvalley for money changer, when I travel I just use my Big Pay card to withdraw cash at the foreign country's local ATM, and Big Pay's exchange rate, including the transaction fee is on-par or better than the money changer.

This means I no longer need to carry so much cash on me. When I land in UK I'll just withdraw some pound, and when I head over to Paris, I can withdraw euros.

I use Big Pay to "protect" my credit cards. So while I enjoy the credit limit offered by my credit card, I get the protection and peace of mind with Big Pay. With your policy, I would have to revert back to using my credit cards, because I easily spend above RM10k every month. Air tickets, hotels, shopping etc.

Please reconsider this position. You are turning your product into the other prepaid cards, which have so many limitations that makes it not viable for use anymore. From being a revolutionary product, it is no different from the now (dead) CIMB Kwik. So if Big Pay want to follow their footsteps, bravo.

Don't take a superb product and turn it into rubbish because some people here are asking questions with blatant intent to abuse it. It's like asking, hey I wanna rob you, but can you not report to the police if I do? You know who you are.


Without Big Pay, all these spending will be charged to my credit card. But now its on my Big Pay card. A limit of RM10k is laughable for credit card top ups, unless Big Pay's target market is like Boost and Touch N Go pay, focus on paying for lunch. I rather use Boost cause they give 50% cash back, and if not, I still find myself using my Paywave credit card more because its safe (I don't give my card to the cashier, I insist to tap the card myself, and I store it in RFID safe card holder) and faster/more convenient than Big Pay using PIN. So yes, Big Pay is not used to pay my lunch (unless the lunch exceeds RM200 and I cannot use Paywave, then I use Big Pay, but that's usually dinner with alcoholic beverages, a bottle of single malt is RM5xx), its used for my travel, shopping, and big ticket items. And nobody with credit will use cash to buy big ticket items.

This post has been edited by Jason: Jul 26 2018, 11:41 AM

Because I want to use credit (bank's money) and not my money? So I top up Big Pay using credit card only.

I am going Europe next month, and I am buying LV and more. Total spending planned so far, RM40k, some for myself, some for friends and family.

Will I pay using debit card or online bank (MY OWN MONEY) if Big Pay doesn't exist? No. I'll pay using credit card.

So now that Big Pay exist, I use my credit card to top up and use Big Pay to pay. With your new policy, can I top up more than RM10k using credit card? No. So your card is worthless to me.

I don't like the idea of having a ceiling over my head. Then its not flexible and I have to plan and spend. Ain't nobody got time for that. Seriously, when travelling overseas Big Pay is godlike with the exchange rate.



This post has been edited by Jason: Jul 26 2018, 12:27 PM

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.

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.

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.

Which is exactly why the RM10k cap on CC hurts. Instead of buying a Rolex using Maybank CC, it’s way better to top up BigPay with the Maybank CC and buy using BigPay due to the FOREX savings.

Just an example, don’t buy Rolex is Switzerland, it’s one of the most expensive places to buy Rolex in the world.

No money, can't top up, can't use the card, unless BP sponsor me.