one word: SECURITY

paywave gives the flexibility of payment without verifying YOU as the owner.

now imagine you lose your card (unknowingly) and someone picked it up and go shopping spreeeeeeeeeeeeeeeeeeeee ... wave RM250 and below, wave everywhere, up until your CL depleted ... you dont know that's happening until checking internet banking (1-2 days later) or statement (maybe 1 month later)

what do you think the PIN reset is for?

by doing a PIN reset, YOU need to personally initiate the transaction by ENTERING a PIN. by doing this, bank guesses that YOU are actually holding the card, not lost or misplaced somewhere and (unauthorized) used by someone else.

this is risk mitigation. it cant solve all, but it reduces/mitigates the risks arised from being "flexible" at the first place.


separately, there are few limits controlled by the bank host (system)...

1) count of paywave txn count, maybe per day/week/month, and/or
2) count of paywave txn amount, maybe per day/week/month, and/or
3) count of continuous paywave transaction (velocity check), and/or
4) many more variations banks can enforce

by doing a PIN reset, you are basically "reporting yourself" to the bank that "you are present".

This post has been edited by cybpsych: Nov 17 2020, 01:07 PM

paywave+pin has no limit (as far as i know)

i've previously wave-d nearly rm1.9k with quantum visa, no issue


to do PIN reset, normal transaction (insert into terminal, put PIN) or try pump petrol (cancel after input PIN or make very small-ish amount)

This post has been edited by cybpsych: Nov 18 2020, 01:03 PM

wave is still wave

PBB changed the terms in crediting the cashback...





This post has been edited by cybpsych: Feb 2 2021, 08:07 AM

when did you create the PBe acccount?

check for more accurate answer from PBB. if not, countless of posts speculating without any solid answers


1) when you gotten CB for UTM portal, what was the MCC captured by the transaction? also check for entry mode/transaction type.

2) now, since you're not getting CB, what is the MCC captured? also check for entry mode/transaction type.


2 possible scenarios:

a) UTM changed payment gateway provider recently, which changes the acquiring bank, which may change the MCC too

b) UTM's acquiring bank reclassify the MCC

based on the revision, likely so

minus

in short, count your spending according to posting date.

last i applied card from PBB ...

1) if duration of the new application with your last application is <1 yr, then can just add card. give CS a call to enquire the process.

2) if duration >1 yr, they will need you to sumit application form in order to capture your new income docs.

why? how did you come to that conclusion?

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mail drop je

yep, last month

1 week approval + 1 week delivery

not bad, imo

so far, my pbb card application quite consistent 1+1 week

probably delay from telco

send everything via email

cardsmarketing@publicbank.com.my or custsvc@publicbank.com.my

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no issue