Wrong thread.

This is fair, but doesn't (yet) cover what we've already asked for in this thread, which is a clear and defined threshold for cash withdrawal. By itself it should help with the more egrerious cases (*ahem* 65k) though.

I'm concerned regularly withdrawing (let's say) 8k per month will still trigger, as that is still a substantial amount, especially if you have no other spending. Better to have it clearly stated in T&C for avoidance of doubt.

And IMO withdrawal limit needs to be HIGHER than deposit limit, as ideally some would be using BigPay to receive payments (in which case they'd have to keep withdrawing). At least if BigPay is really interested to compete on the ewallet space rather than just the prepaid card space.

This is more fair really.

That's not the purpose of this card though. And cashflow should be settled by CC as it allows time gap for repayment, unless you're insisting you must spend in cash.

As others have explained, just topup from bank account. Still much better than carrying cash.

If I'm spending that much on an overseas trip monthly I'll top up with online banking. Save 3 % or more on exchange rate will beat almost all reward points programmes for CC.

If they charge cc fee it's against MasterCard/VISA terms and conditions, for one. Also and more importantly that adds friction to people using their card (even if only charged for above 10k, it's the impression it leaves).

And what benefit do they get? So that kiasu people can max out their benefits from other cards?

Totally useless? It's better than using your Malaysian CC overseas and getting stacking charges and lousy exchange rate. This is just complaining for sake of complaining.

This is a discussion forum, technical issue like that straight ask BigPay isn't it better?

I'm sure some would be interested, depending on time. Obviously majority won't be able to make due to work/distance etc. though but am sure you'd get a useful number.

Lowyat isn't their support forum... go to their FB page or any other regular Customer support channel. This should be SOP for any technical issue and any company, not sembang in LYN.

Actually withdrawal doesn't cost BigPay much, it is the credit card reload that is their exposure, as they pay the merchant fees for that. Unlimited CC reload means unlimited liability for them (1.1% or so I think).

10k is already a very high amount for majority of their target market. The fact is you would not be able to use this card to purchase your luxury items since the max credit you can have is 10k anyway (this has not changed).

And I'm pretty sure there's very few 'genuine users' who will be hurt by a 10k CC limit, simply because those who spend (not withdraw) more than 10k a month are divided into a few groups:-

1. High net-worth individuals (these are the only ones who will be both genuine and hurt, though IMO it won't hurt much)

2. Those who use CC for company expenditures. Most CC have regulations against this, even if they're not enforced evenly. These I do not consider to be 'genuine users', as they're taking advantage of both the finance company's and their own business admin's laxness in enforcement.

3. One-off large spend (e.g. annual holiday). These users can reload from debit or online banking.

Basically they're referring to cash flow and interest-free period. Although at the relatively small amounts being discussed here, it really doesn't matter (much more important when you're a business, which is why GST forced lots of smaller shops to close down, cash flow constriction).

Wonder how BigPay will handle that though (someone should test it). Reject the refund? Because I suspect their system will not allow more reload when amount is 10k, but if it will reject refund then quite dangerous even for local spend. Imagine you swipe to buy a laptop for 5k, then after that you reload to > 5k. If that large transaction refunded then jia lat eh.

Yes this is a good suggestion!

I think he's talking about max limit in terms of amount in card.

If you're buying luxury item of let's say 8k pounds value you can't use this card di.

Same situation here, I've used it at least 5 times di in the past month. Added during checkout.

I've seen those. Sure wanna trust ah? If they miss payment it's very bad for your CCRIS as well as penalty.

Not related to BigPay, go to your CC's thread. If you're on PBB CC then that's only partially accurate. But yes, go ask that on your CC's thread.

No one (who knows anything) has ever claimed 'backtrack transaction' for BigPay. PBB thread had report for various online selling shop (shopee the most infamous), but nothing for BigPay. I have tested that BigPay is local gateway myself.

fruitie too used to getting free things liao =)

I don't see the attractiveness of waving anyway. When I can use I use, if not it's not a big hassle. Convenience benefit is small, not enough for me to pay a fee to replace the card.