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.

[attachmentid=9939008]
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.

I won't use a debit or prepaid (including Bigpay) or Gold/Platinum Credit card to shop at a LV store!
It should be either Premium credit cards or Cash!

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

malaysia really is behind in term of financial management

If you use Maybank CC to earn miles points (it's value in term of CB > normal CB cards). So even if you need to pay extra fees/higher exchange rate, at the end of the day you are getting more money worth.

for big whales, they wont look into bigpay card. they will go for premier card, aiming for airmiles, etc...

they wont even bother about the cash rebates, etc.. haha

Precisely. That's if you ask me to topup via online transfer/debit card, no thank you.

Be grateful folks. You all can reload up to 10k every month without cost on your credit card. By right, this sort of transaction should be treated as a cash advance transaction and incur cash advance fee and immediate interest calculation!

No pls continue, we love to see how many shiok sendiri still wanting more and feeling shamelessly proud in being cheapstake without bottom line.

that's because many ppl stop using amex. why don't you all try with bigpay? maybe they will release the limit.

Hm. Strange. I'm guessing you picked "BigPay" as a mean of payment? Can you PM us on Facebook with details?
The thing is, we're trying to build a great card & app for the majority of the people. We've been considering different "tiers" for a while, but it takes time (and lots of discussions with the regulators) to get it done.
Noise is the best thing you could make. The reason why I joined this forum is to have honest conversations with you guys. If we did something and nobody cared about it, then we would have failed. We're trying to raise the bar. People have been "just content" with their financial services for too long. Banks implement stuff with little to no consideration for their user base all the time. If one day an official from CIMB joins Lowyat and starts explaining the reasoning behind some of their decision, I'll honestly be supper happy. It'll show that times are changing.

Aduh... Arguing here and there.. 
By the way, just hope BP can implement top up method by using AMEX one..

At least can save a bit CB from AMEX card rather than nothing there.

Didn't know they can do that.   

Only applicable to android? iOS no problem?

Apple policy doesnt allow app to disable screenshot.
If you intend to disable screenshot, your app never get to go live. Given apple big user base, company can "adapt" it. Haha

You don't know forex rate changes by the seconds? And you want to highlight RM0.04 difference?                 

yes no hard feeling.

some ppl don't like cc, some dont like ewallet, some don't like certain banks. etc

normal la
for me I just use for convenience, not the points. heck, I don't even have AA bigpoint account to link.

Spend rm20 get 1 bp worth 1sen, only  0.05%.

I want to know which bank car loan accepts credit card as the payment method too!
Please share to us!
I believe everybody in this section & thread is really waiting for that to happen till neck very long!