Been using CC for over a decade never kena
First time using Trip.com to book smtg
Few days later CC kena already

I already blocked my CC
how do I file the refund claim from Tigerbank

update:
I have temp blocked the card, changed PW, redude all transaction limit to 0 or lowest
also called the Maybank’s Fraud Hotline (24 hours a day): +603 5891 4744 to permanently block the card
they will send the new card to home address
but i still need to go to nearest branch to fill the dispute form to get the refund..

This post has been edited by chupapi_munyayo: Nov 16 2025, 11:55 AM

your cc info must be leaked after you used trip.com

I baru kena from UOB. This card i never use before. Kept it locked since day 1. Opened the account for FD only.

Confirm leaked from inside the bank.

celaka betul
now need to take leave n go to bank branch tmr get it replaced

Alamak.... You book through their website or app?

i also kena maybank amex on chatgpt

I kena a day after transaction on lapsapda

This post has been edited by anakkk: Nov 16 2025, 11:13 AM

so how did u mange it? get new card?
did u get the refund?

website.. at first used my company laptop got vpn one
then at the end i use my own pc. then kena

how to file refund?
have u blocked the card and changed PW?
I just did and decreased all my trsf limit

never put all money into one bank

Bro.. You use lazada app or website?

I think apps are safer than their website counterparts?

Call the bank asap

I called maybank, they blocked my card, then fill up the dispute form, after few weeks got the money back and also new card.

I usually like to use website for most online purchase, cos phone app too small on phone.

I was surprise when my payment no maybank authentication on lapsapda, then few days later I check my card transaction, I saw the unauthorised transaction, so far shopee still fine.

This post has been edited by anakkk: Nov 16 2025, 11:22 AM

Normally it'll automatically be refunded when you called the hotline about the fraud transactions.

Only use disposable debit cards for any online transaction

Just call they will sent to u ma.

Just call and lodge complained. They will block and give you new card.

Cannot lah bro. My cc gets x12 points

I bought a jelly cat doll for my boy before through a jelly cat website and months after still haven't gotten it. Contacted Hong leong bank and filled the dispute form and they actually charged back eventhough it's been months.

Don't worry guys. Even after months they will still refund

Your laptop have keylogger virus chance…
Got run third party antivirus or not

Seriously still need 3rd party antivirus? I thought now window 10/11 using window own antivirus ok already.
What software you all recommend.

CC still safer. At least the bank will refund u.

If DC, good luck. May take months to resolve.

That's why, I use a prepaid DC to pay for everything after reloading from a bank CC or DC. Anything happen, can resolve online and almost immediately.

Call them inform unauthorized transaction. They will put it under dispute and cancel your card then send u a replacement. The investigation usually 1 month, need to keep track see lor.

I don’t have recommendation. But free reputable ones probably just bitdefender and kaspersky. And malwarebytes for scanning. They are still quite annoying when you need to bypass something. Windows defender is the most common av out there, every hacker first thing will try to break that one. But actually 99% of the time I think is just running pirate shady software.

I've also experienced the same last time, for Maybank debit card.

For the refund part, no need to go to branch to fill up the dispute form. You can fill up the form online and email them directly along with your proof and the reference number given by the Maybank Hotline
Dispute form link from Maybank: https://www.maybank2u.com.my/iwov-resources...DisputeForm.pdf

For my case last time, I get refund within 1 month, but it depends on case by case basis, some cases might take longer.

This post has been edited by AMDAthlon: Nov 16 2025, 05:15 PM

i also kena couple days ago
but mine was billed in myr and it was some paypal stuff
guessing some website has the pay via paypal button and they choose card method and put my card details in or something

called maybank they said just fill the dispute form digitally and email then can already

then they also told me to NOT pay the full balance i.e. i spend Rm500 but the dispute amount is RM100, only pay RM400

after they process my dispute (up to 90days?????) then they will refund me the late charge and whatnot

sounds very much like a hassle and macam will hit my credit score or make more trouble for me.

worth it to follow that advice or just pay in full and hope they refund the dispute amount once they done with their investigation?

i sked if i pay the full statment amount means i 'agree' to the amount including the dispute amount and they will take it as a technicality and reject the dispute since i 'agreed' to pay it

this only happened once i purchase something online from a 'reputable' malaysian store. still kinda pissed about it consindering its a malaysian store but who knows maybe its not them but they do have the paypal button on their website......

Any credit card will have this issue. Scammers brute force the credit card 16 digit or number and try the randomly try the CVV. Any card that match will be drain for buying ads be it Facebook or Google. Nothing with being hacked.

This post has been edited by Ramjade: Nov 16 2025, 05:56 PM

the thing is i received a tac request the night before the incident happen
and i click reject
then the next morning while i was doom scrolling i suddenly got the notification from the app saying i spent the amount

immediately kill switch it and call maybank

so idk la

it triggered the secure2u on the first time but the 2nd time it just went through

You will get your money back, I have same experience few months ago, I also open similar tered but my case is debit card. Lodge a police report, go maybank file a dispute form and have to scan and email yourself to dispute department. I got my money back when I already give up hope but suddenly money returned

It’s not too hard to implement a mechanism in the app like allowed currencies with default set to MYR only. This would prevent like 90% of fraud cases.

I only see 1 app that implements this, and it’s not a bank or local.

The main problem is with credit card charges (in some other foreign countries) still allows charges to go through with just the cc and cvc number than can be brute forced multiple times. If all cards charges requires MFA or TAC before allowing the transaction to go through I believe such cases will go down drastically (until the evil ones find the next loophole).

Yeah, good idea this.

Emm,... NO bro,... the Debit Card, once charged, there is no reversal. Funds are immediately withdrawn.

For transactions which 'might give rise to a possible unauthorised withdrawal in future', use ONLY Credit cards.

Yeah, just sharing here : I experienced something similar a few mths ago when buying airtickets with my Debit Card from Lufthansa and Air Serbia. The first transaction will need authorization to approve it, followed by a second transaction that just went through on its own W/O any authorization.

Hence, I now use ONLY Credit Cards to buy airtickets from some European airlines.

Point being : sometimes,.... transactions can be 'forced through' without a tac or authorization action.

Best defense is still to lower the transaction limit.

last time mine cc kena after I used it to enter premium lounge in KLIA2 when going to Melbourne. Card kena until max when I was in AUS. Was using AUS sim card so I did not received any transaction SMS.

Called sotong bank to dispute and received full refund. It was fraudulent transaction for FB ads.

CONFIRMED PREMIUM LOUNGE KLIA HAS PROBLEMS THEN. MY WIFE ALSO KENA RECENTLY WHEN FLYING BACK.

Beware, forummers,....

KLIA1 premium lounge they will do the transaction with the cc terminal openly, on top of the table counter.

but

KLIA2 they do the transaction behind the counter which I find a bit sus....

Just download the form from the bank’s website, fill in all the details, and email it back to them. It took them around 15 days to refund me, but maybe that’s because the amount was small.

You are very familiar with the Premium Lounges.

Yes, you are right. My wife told me the lady took the card from her hand and brought the card underneath the ctr to tap. But I'm not sure which terminal it was at. I will chk with her and revert !

You are good, man,....

kan ada alliance Visa Virtual Credit Card

1 time swipe , generate new number

I tend to feel a bit uneasy when my card in out of my sight

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…

MAE is from a bank. The service will be slow unlike e wallet or newer banks.

nope. I removed my AMEX from all the apps since I have another card for this purpose

and I generally dont use the card nowadays, its more like my backup card

This post has been edited by ZeneticX: Nov 18 2025, 06:37 PM

Why put your savings account at risk
There are many options out there

This post has been edited by lj0000: Nov 18 2025, 06:42 PM