Deswai never save your card info on shopping sites. I don't trust these local e-commerce sites' security. These types of companies will NEVER tell you if they kena hack.
Any bank debit card (need to activate or call CS) or Bigpay.
I don't trust the cashiers with my cards. I do everything myself because manataw they try to record or memorize the details. Still got idiots nowadays trying to take the card from me even with Kobis-21 and I have to wave it away.

credit limit to high. call bank to lower it. if oversea purchasing no OTP send to hp.

if the purchase involves huge sum of money, the bank will detect the unauthorised transaction. they will call.

happened to me me many timez. i think bank has replaced my cards more than 10 times.

i noticed this occurred after i made overseas online payments. last time.,before covid19 outbreak, usually happened after hotel check out.

now i only use 1card for online shopping and 1 for backup in case the former is blocked.

is u got saved ur cc on shopee, it wont ask for otp for topup.. really gila that one

Stored credit card on websites are tokenised. Tokenised card can be frauded?

Ywah I know. But I still don't know how cards get clone these days. Even if they memorise your number and even ccv still need the sms tag

Interesting that you mentioned it. I had unauthorised transactions within 2 hours of checking out of a hotel in jb. Luckily it was a small amount of rm0.50 sen but it happened twice consecutively. I received sms alert from maybank but didn't read it that time as I was meeting a client. After about 10 mins, my phone rang and it was someone from maybank asking me about the two transactions. I said it wasn't me who performed it. Maybank straight away cancelled n replaced my card n reversed the two transactions

You guys think this guy faking it?

It happened to me just last month up to rm7k



I happened to stumble upon an alert upon waking up 5am and saw this:



I was late to respond obviously was sleeping at that time.

I called the sms number and did an official report, but felt something was off because there was no follow up.

The transaction keep coming from 9th May to 12th May

On 12th May I called citi official number and asked for follow-up, they said never receive any report.

I was stumped. the sms may also be fake (or a redirected sms with fake content) the number provided earlier CS may have phished my detail.

Then i submitted another report, now i was provided a report # number for follow-up purpose.
How do i prove i did not do the transaction?
1. I dont have any Atome.my account
2. The card number used for the transaction is already pass expiry date 2019. The new valid card numberin use is different.
3. Because its local merchant transacting with local bank it should have asked for TAC for verification. I never consented to any.

The reimbursement was made by Atome.my, not by citi.

we call it digital cloning card.

That's the point I'm wondering since isn't that the whole point of having a credit card? How come they won't let him chargeback? I've been hearing more and more stories of banks lepas tangan whenever fraudulent transactions happen.

Interesting that you mentioned it. I had unauthorised transactions within 2 hours of checking out of a hotel in jb. Luckily it was a small amount of rm0.50 sen but it happened twice consecutively. I received sms alert from maybank but didn't read it that time as I was meeting a client. After about 10 mins, my phone rang and it was someone from maybank asking me about the two transactions. I said it wasn't me who performed it. Maybank straight away cancelled n replaced my card n reversed the two transactions

SMS can be fake that is used for phising.
Even I got a call from a "bank" saying that my card has been used somewhere else, need to verify my info.( They are trying to phish private information from you)
The funny thing is I don't even have that credit card.  The moment I said , I would like to speak to your supervisor, they hung up the phone.

What debit card can use on Steam?

I used Maybank to topup my eWallet also will prompt notification. Impossible his won’t prompt already and if the bank check back with SMS gateway company and says the OTP was delivered and can check received or not then he GGed

ayam no worries at all reading this kind of cases
benefits of having no c.c and bank balance of only rm1.67