Good question. I had the same scenario as yours until recently when I picked up the HSBC card again. The device came in handy again. But if you plan not to have anything to do with HSBC in the future then maybe you can cancel the security device & cancel the Internet Banking account.

The security device is powerful but it's something I dislike carrying around.

I don't carry that around me. I leave at the house last time when there's a need to access the online accounts.

I saw some of my colleagues carry that around with badge ties (the one you hang your badge round the neck).

Huh..?? You only use both MBB? No other card for backup? What if Maybank server down and the transaction gets declined, and you don't hav enough cash on hand at that time?

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Added on March 28, 2008, 1:19 amI also dislike to carry the security device around, very troublesome. Without the security device, cannot login to HSBC internet banking
How I wish HSBC cud give us an option login to internet banking without using the security device. The security device only require when come to critical transaction such as fund transfer, add new bill payee, etc.

This post has been edited by danlhct: Mar 28 2008, 01:19 AM

I have another card (CIMB DA) but I don't carry that around much.

Anyone know how frequent our CCRIS is updated by the bank ?

What is that "security device" that u guys talk about?
Got pic?

Physical security token to generate a random challenge code. The 6-digit code needs to be keyed in together with your password for successfully login.

For a credit card?

Interesting...got any website or pic for it?

For Internet Banking access to view the CC statement; not for the credit card usage.

Wow, u are so royalty to Maybank

Not really. I just want to consolidate my spending into a card so that I could collect more TP.

It's loyalty lah not "royalty". Different people have different preferences - it's perfectly alright.

This post has been edited by hye: Mar 28 2008, 10:53 AM

cool so how does it works?
Where that thing get the codes?

Dude its loyal

oppsss.... thanks for correcting my mistake

Good question. I also not sure. In fact, a quite similar device I also have for my office VPN access.

All banks need to update BNM at least once every month, which includes the CCRIS.

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Added on March 28, 2008, 12:19 pmI have HSBC PV only, with that device + cheque book. I keep the device in locked drawer and used once every month to login:
1) Check balance from salary.
2) Write a cheque to transfer all money to Maybank/StanChart.

Why ?
1) My travel pattern and locations are not HSBC friendly/convenient. MBB ATM is everywhere.
2) My CC are consolidated to MBB as well, with Citibank as backup.
3) I can login M2u without carrying that device around to check/audit my own account from time to time. Although M2u security is a concern, I have been using M2u since Sep 2000 (8 yrs) and no problem at all, so far... touch wood.

I use MBB Amex CC as much as possible, as it is 2x TP forever, including petrol.

BTW, side track, what is the minimum balance in HSBC PV to waive the monthly rm5 fee ?


This post has been edited by cute_boboi: Mar 28 2008, 12:19 PM

Anyone here has an AEON credit card ?

I used to have this card but I canceled it after 2 months of use. I made payment and they said they didn't receive my payment although I furnish them with proof of bank transfer. This went on for 2 months and I gave up and just cancel the card - I can't believe they have a bad system in tracking down customer's payment. Apparently several of my friends had similar experience as well so I felt good canceling the card. It's perhaps the shortest time I use a credit card from an institution - normally I'll use it at least for 1 year before considering to continue or cancel.

AEON credit card is the only non-financial institution to issue credit card in Malaysia if I'm not mistaken. Customers need to bank-in their credit card payments to bank accounts.

Nope, tempted to apply for 2x Jusco points.

But MBB Amex CC + Jusco card = 2x TP + 1x Jusco points

"counting dead grass"

Device has a serial number on it and this is tracked on your server as well as it need to recognize the device you are holding is valid and registered with the server. Rogue devices are useless because the server no longer tracks them although you are still able to generate the random 6 digit number. When you press the button on the device, it generates a 6 digit number based on either random or a specific algorithm known to the authenticating server.

The number generated on the device would be similar (in sync) with the number in the authentication server for your particular device. However the number changes every now and then and this provides the additional layer of security for you and the bank. (Unique - no 2 device can generate the same number)

hmmm, are you regret of cancelling it after 2 months?

or wan to alert AEON CC user???