They increased my limit but I reduced it to 3k because I usually just clear it whenever I log in.

I reduced it ever since one of my card got used in online fraudulent transaction. Was very annoying to deal with the bank even though the card was never used in any online transaction before, but the bank argued that I did. It was until when I said everything is recorded and will take legal action that they suddenly turn tail and become a gentle chicken.

For travel I have to increase my credit limit instead of reducing it because it's so low.

The issue is they didn't want to consider it fraud initially. A few ppl have gotten themselves into this situation where their case was not considered fraud. Sendiri tanggung

It's easy to say unless you kena before then you'll know what's it's like to talk to a brick wall

Yeah

Did the same later but when called them they totally said it wasn't fraud, and gave illogical response to my predicament

And since there are some ppl I knew end up tanggung although it was relatively menial sum, I don't wanna deal large values hence I got my credit reduced

I had a banking friend, he said fraud in Malaysia is so common, they make it hard to claim. Unlike in us, you just follow the instruction as per visa for charge backs for many reasons, and credit card is a great protection for transactions. Here some ppl had to file that document along to the bank just to mention that they know the law behind it so they take the issue more seriously.

It's good you had a smooth experience with the bank though