And here's some additional info.

https://www.pbebank.com/Personal-Banking/FA...ng/PAC-(1).aspx

It's just a bit strange that your phone is not registered or if you haven't done any of the transaction listed above.

Maybe you can just try their helpdesk and see what they have to say?

Hehe I thought you would've at least done something with your credit card on PBe.

Like this I think you can still try check with their helpdesk, just to see if can save you a trip to the bank.

If PAC registration is required, from my experience with every bank, they want you to do with a credit or debit card to ensure you're you. If you don't have any card, some bank allows the use of temporary PIN, but you still need to be there for thumbprint. I remember I got mine this way, since I didn't own any public bank cards when I got my online account.

Other banks will tell you to apply for one, "very cheap only, $8 a year".

And no, they won't tell you you need to do this and this and this. I think I did 3 separate visits to get something done last year. I just don't remember what it was. I did ask them if that is all required, they said yes, until I hit another problem.

This post has been edited by beLIEve: Oct 28 2018, 05:26 PM

Theirs considered ok already. Wait till you come across those that require only debit card (credit cards not acceptable) registration for online banking from your savings account.

Whether something to worry or not, depends on individual. Your card numbers are visible on PBe right? And your personal details (I didn't really check if my details are there or not)? If you have a reason to believe your login credentials have been compromised and don't like hackers/strangers to poke into your account, then you have to change your password loh. Besides, this PAC registration is one time only.

1. Yes, about 90 mins from now.

2. 8x60 is minimum. Your 10x is something else or?

3. Trick is make sure your payment gateway is also on UTC+8. If different timezone, you might have to appeal with your One time pass.

4. Keep your OTP in case you need to appeal.

Maybe you're already holding a stack of cards from different banks leh. People only 0-3 banks.

I didn't try as much as you. just the first OTP never came in, so I resent and it came in. Visa. This was an hour ago.


If you follow the trend, then it's likely too late and it ends earlier every week. In reality, no one knows. Just likelihood.

This post has been edited by beLIEve: Oct 29 2018, 01:04 PM

You scroll back to Post 3103 and look at cybpsych's chart. 9am could be borderline by now.

You are welcome.

It depends on the bank. If they don't like it, they can just add a clause in the next promotion.

from my experience, 1 day after statement came. Actual results, as per explanation by other members.

I think what happens when you apply balance transfer is they will check against your credit limit. There, they can see both your actual and temporary limit.

For the past many years, all my FD directly done at counter at my branch. Only when opening new FD/other account is through CS.

Only Ambank insists going through CS because they generate a different account for every FD.

Actually, so far I haven't see a "No" option. It's only check for "yes", and leave unchecked for "no". But banks have been honest that no one checked for me after submitting those forms. And if memory serves, Citibank online application does not have an option to set it to No. It's shown as Yes and that's it.

You will be glad of this feature if you ever lose the card.

You shouldn't need to keep track. When it failed to wave, then use PIN. And MYR250 is the other limit before you need to PIN, whichever come first.

This post has been edited by beLIEve: Nov 5 2018, 05:26 PM

Actually you just need to goto a branch and fill up the PDPA form. Every now and then, for some reason, they ask me to fill up the form again. There was once a teller quickly check the marketing field for me, so a few days later, I asked them to print out for me again so that I can stop it.

Only thing I'm unsure is whether you need to do it at your home branch or any branch will do. Normally, the "louder" your voice is, the easier you get things done. Email should be fine, though it will depend how fast they can process it vs their actual form.

I doubt banks would do that. They've no reasons to help other businesses make money with your data.

Them spams are probably from other sources. Most likely illegally obtained data. There was once I threatened a big real estate developer with PDPA to reveal their source of my contact, but obviously, they're not disclosing it. They opted to stop spamming me instead (they know most M'sian won't bother to take further actions) and I didn't bother to pursue further.

I couldn't find if need to pay another $10 for termination. At most, this is what I found when I signed up.

18. In the event the AFT is not successful in debiting the Savings or Current account, a
reminder notice will be generated to the Cardmember. If the execution of AFT failed
for TWO consecutive months, the AFT will automatically be terminated and a
termination notice will be generated by the system to the Cardmember.

Depends if the bank allows it. I know Citibank can. So far, other banks cannot.

I'm really sorry to hear that bro. I think before you uplift or do anything, try bring it to someone at a higher level. The other day I read someone with hire purchase or loan got some free cards without even applying.

I'm not referring to stamp duty la. The stamp duty depends on when it's applied loh. If stamped before they evaluate your application, then cannot run away. If only stamped after your FD is pledged after card application is approved, then should not pay. One thing I know for sure, they love you to buy their hasil stamps.

Yes very weird that debit card also reject.

Agreed. Had I experienced the same hassles, I would have just use another bank's. Other than the weekly SP4M which will not last forever, the advantage vs competitors are 24x7 Online transactions and Groceries (Visa signature only).

Mastercard gives cashback for Online and Dining spends.

Visa gives cashback for Departmental and Entertainment.

So it depends on how you normally spend loh. Take note that both not entitled for groceries.