lol that syndicate really NBTD

DA got problem le.....always send the reward book to me even when the card is left untouch

Oh, maybe what I heard from others saying that to get CC from international banks is all about "recognition" and not "acceptability"?
So to sum up, let say if I get CC from BSN, I'll be able to use it anywhere in the world?

Merchants have the right to see ur ID. This is practise in some European countries to prevent cases like fraud from happening

haha...

ya. MPH also request the same.

while visa wave on the Carrefour doesnt need signature.

You're not the only one who encountered that situation. I experienced it at KFC.

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Added on March 23, 2008, 12:38 amI consolidated all my CC usage to MBB Visa Classic and MBB Petronas Visa Gold.

I tried to use Visa Wave at Carrefour but it was slow. I asked the cashier to switch to the usual swipe method.

This post has been edited by David83: Mar 23 2008, 12:38 AM

i thinks for Paypass and Visa Wave thing, most of the staff dun know how to handle it since it's new.

sigh... dun know why all the staff dun know how to use, just make our life susah only.

Which ID you mean? Login ID? Personal IDentification?

any other on the spot approval besides of EON bank?

Personal Identification

I see. That would be no problem as long as they accept my card.

I wouldn't want to apply for another card just because I want to go overseas...

err.. wanna know balance transfer can only transfer 1 time, i mean A company to B 1 time only? or we can do multiple time after d agreed payment period?

[quote=David83,Mar 23 2008, 12:36 AM]
You're not the only one who encountered that situation. I experienced it at KFC.

wah...lau..eh... must well next time pay by cash easier.

u mean i just need to key in my cred card no in the account no field for the interbank transfer?

The transition to chip based was due to the requirement from Mastercard and VISA international. Malaysia implemented this transition earlier than most countries in the Asia Pacific deadline due to Bank Negara's push for it - partly driven by the high fraud cases at that point of time especially due to the high frauds from petrol stations.

There's a possibility that online frauds also attributed to these problems but whatever it is I think the international online merchants community were advised to be careful from CC originating from Malaysia. The additional ID verification could come in the form of your driving license or passport which has a picture of you. I'd has experience online merchants from the US, Japan and on one occasion from Malaysia itself asking from the ID verification + copy of your CC.

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Added on March 23, 2008, 6:23 amDid you get a credit limit upgrade or did they retain the old limit ? (How much is your old limit ?)

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Added on March 23, 2008, 6:29 amYes, even a CC issued from BSN is recognized internationally.

Emmm .... just look at it this way. If you are a restaurant owner in Malaysia and you have tourists want to pay for the bill via credit card - which one would you feel more comfortable to accept ?

1. Citibank credit card.
2. Their local bank credit card (e.g BNP Paribas or Credit Agricole)

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Added on March 23, 2008, 6:37 amUnder normal circumstances, you can perform balance transfer so long your bank allows you to do so and you have enough credit limit to sustain the transferred amount. However different banks have different promos and T&C on balance transfer - maybe you want to call your bank just to make sure what are the policies.

BTW - if you are restructuring your CC debts, better you consolidate multiple card accounts into just 1 one time off. At least you get everything done and over with.

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Added on March 23, 2008, 6:38 amYup that's right.

This post has been edited by hye: Mar 23 2008, 06:38 AM

Remember to select the Payment Type as Credit Card.

Key in your 16-digit CC number in the Account Number field.

i got the same situation here. 5 months more to my 21 bday

As long as you met their requirements, you could give a try to apply for it.

I see. Thanks for your reply

Yes I do understand that I (as a merchant) will be more comfortable if my customers are using CCs from international recognized banks.
But if I'm their customer, I wouldn't want to pay extra (eg. CC annual fees, hassles...) just to make those merchants feel comfy
Anyway who doesn't want money? Just my thoughts...

This post has been edited by Shinichi: Mar 23 2008, 01:23 PM

The banks make money out of the CC transactions 2 ways
1. (You) as their customer in the form of annual fees & interest from outstanding balance (if any)
2. (Merchant) as a cut from the transactions incurred. Range from 1.5-2.5% (Can be lower but not zero as the banks still need to pay a certain percentage to Mastercard/VISA International). I think there's a possibility overseas banks charges the merchant more as compared to Malaysia - I remembered buying online from Japan and they charge me something like 3.5% for using my credit card)

I'm not sure whether the owner of the brand would have to pay the banks to launch the co-branded cards (e.g Citibank AirAsia, Petronas CIMB/Maybank,etc) but I think maybe it's the case also. (FYI, I don't work for the cc industry ... these are just my observations)

Using the example above - your bank pays you your money excluding the fees and then pays the foreign bank excluding the fees as well. I think everyone wins and make money just that it's a competitive market out there for credit cards (in Malaysia) and most banks chooses not to make money from the annual fees anymore.

This post has been edited by hye: Mar 23 2008, 12:58 PM

so far, my transaction of paying Pound to my UK body using CC dun have any charges on the transactions fee.
i thinks it's depend on the merchant. some do not wan to pay the fee, then they pass it to customer to pay the fee.