I suspect there's more to it.

Your phone got used 3rd party apk installed apps such as Vanced YTube and other similar apps or not?

Should have reduce back your limit after that transaction immediately.

Should have asked for the SC account directly debit in(DuitNow transfer) and show receipt. How did he receive the payment from you? Using e-POS with card reader?

Next time need use Cacing Bank. Can escape kena scam and hack because cacing bolui.

But again, Ts its time to consider shopping card phone aside from main use phone liao.