I kena a similar transaction on my Maybank AMEX last week also, but is charged to Telegram and very small amount only (RM8+). Weird thing is currently I didnt save my AMEX info anywhere.... because its not my main card already, and I definitely never used it for Telegram before

already cancelled the card and waiting to collect replacement

Btw TS you can email the dispute form, no need visit branch to submit

This post has been edited by ZeneticX: Nov 17 2025, 01:35 PM

The biggest scams are those "free trials" where you have to register your CC. don't care where they claim your details are safe with them (what do you expect them to say? 'we do not guarantee that your card details are safe)?the worst are those they opt you into "annual subscription" where you can unsubscribe anytime. just a scam they are hoping that you never remember to unsub, some are so unscrupulous that you don't even know youare annually subscribed until the details appear in you statements. i never give my cc details online fr anything

Last time kena from dari harimau...
Harimau tak mahu tolong refund back...
Lucky the company (godaddy) help me refund back...

Any overseas transaction is beyond what our Malaysian banks can control although MasterCard sometimes ask me to authorise transaction for overseas transaction via bank app.

This post has been edited by Ramjade: Nov 18 2025, 08:50 AM

Bro, can celebrate on this part? DC can get refund almost immediately?
Btw any recommendations?

i put money in DC's stash/jar part
when need to do transaction, just release enough money into main account

normal days only got rm10 balance inside. if kena con.. con lah

Is it maybank jar? But no interest right?

i wont use bank thats associated with savings.
i use those gx, bigpay, wise

gx get 2% interest
bp not sure. you can 'freeze' the card all the time. only when want to use then unfreeze

I used BigPay, GX, Aeon, Boost, Ryt and TnG as firewalls against unauthorized transactions on the primary bank cards.

Every month, I will reload at least 500 bucks to all these prepaid cards and use for expenses outside.

Any scams will only hit the 500 bucks limit and if reported, u get back the money within days or weeks versus months from the banks.

The actual bank cards like DC or CC will kept at home and will never be used outside unless absolute emergencies like medical or accident.

same here. i realize, if cc is used anywhere online regardless local or overseas, sure will have fraud later on
thus dc as firewall

U do t want those cc features like CB, points?

I don’t understand why banks don’t make it compulsory to use tac or secure2u for EVERY online purchase ?

happened to me last month on my DC - Target.com in Brooklyn LMAO ~RM500

I killswitch immediately; it is weird i receive no OTP or accept/reject notification from MAE app.
report to MayBank fraud hotline and email to them immediately after i receive notification of the transaction with screenshots.

quite a hassle for disputing for DB

1. need to go to a MB branch ~15-20mins depending on office peak hours
2. they will re-register a new account for you (MAE user portal) - basically a new profile with username and password
3. generate a new DC for you (but account number remains)
4. ~8hrs for the card to be usable for online or card payment but you can still withdraw cash
5. you will receive SMS notification that your card is ready for online transaction
6. have to reinsert or reconfigure all your subscription payments tied to DC, online account eg. Google Playstore or Apple etc...
7. reactivate secure2u, duitnow...etc

for me, refunding the amount takes about 14~20 days to dispute and will show up in SOA for the month

imagine if you are overseas....CC is a lifesaver sometimes for backup or can register other bank cards such as WISE

This post has been edited by siaoand1: Nov 18 2025, 01:18 PM

Points are scams to over spend.

now got zero click attack through ads

so if u save cc info in quick fill before, in whatever browser, u are at risk

points depreciates. lesson learned during mbb days
now even miles also depreciated.

got some app save ur card info for monthly billing purposes.

I believe banks will need to incur cost in some way of they make every transaction verifiable.

Secondly,... sometimes this is not good too. If you happen to be in a region of the earth where there is no data signals, you can't spend anymore with your phone. YOu can't use a verifiable card in a parking machine where you need to insert the card to enter.

I only use tng to stash my finance, daily 3%/year

This post has been edited by heinlein: Nov 18 2025, 04:31 PM

So MAE ewallet VISA DC no good? Better go for TNG VISA card?
Thank you for the insight…