yeah... just now redeem all my UOB smart cash rebate at Carrefour...

at 1st, the cashier dun know how to make the transactions....

waited some time for him to call his supervisor to come and teach him to how make the redeem.

saw her press ONLINE, then press, receipt is out...

redeem all my smart cash... i can not make choices how much i wan to redeem......

anyways, happy with my redemption shopping at Carrefour.... hehe

Maybank....

Received this via snail mail:

http://www.maybank2u.com.my/consumer/onlin...e_charges.shtml

1. Lower Interest Rate
The quantum of interest rate charged for repayments have been reduced to a minimum of 15% to a maximum of 18% a year. The interest rate charged will be determined based on the customer's previous 12 month's repayment period from the implementation date as follows:

Conditions*
Repayment Months/Total 12 months
Interest Rate Charged on Outstanding Payment

Per Month
Per Annum

For prompt** repayment of 12 / 12 months
1.25%
15%

For prompt repayment of 10 / 12 months
1.42%
17%

For prompt repayment less than 10 /12 months
1.5%
18%

* Payment is tracked over a 12 consecutive month period
** You have paid your minimum payment amount on or before your due date.

i also got received snail mail from HSBC...

So far, no expiry. Touch wood.

The longest single MBB CC I hold is ~3 yrs. I keep on cancel and apply new one when they start charging annual fees. But now, I'm using Flexx, must spend min RM300/mth which I use for insurance auto-debit.

RM300/month? wa...one year oso need RM3.6k. why not try public bank? RM3k per year can waived ur annual fees

to him is same 1 lol....

since both card meet the minimum spending, so it's waiver every year lol... indirect FREE for life.

OMG, you are too young to be working bro. Why are you not studying?

What you received then?

regardding the interest rate lol....


same as Maybank u show 1.

Hi guys, I got some serious issue regarding credit card transaction which need more information on it. I work on some sort of retail shop, and one day my colleague doing credit card transaction with a customer which require credit card pin verification. After the customer key in the pin and the transaction is approve, we as usual asked the customer to sign on it. But the customer insist not to sign on it because he say he already key in the pin. Our credit card merchant is the big fat black colour 1 which able to see how much credit card roll u left, like giant supermarket 1. Because last time got such case happen b4, our account department wont give a damm. But this time they say it needs customer signature and asked my colleague to pay for it because failed in getting the signature. Even though on the slip already have the words, "pin verification completed".
So those who working in credit card department or bank, please explain to me. Did the signature require? Last time they inform us no need 1 and now different story. And some other question, during entering the pin, if the pin entered wrong, will the card be decline? or the transaction still will be approve with the words "pin verification completed" ? Because only the card holder know the pin. So whoever know the detail please clarify this. We juz working according to the procedure that given.

This post has been edited by hpares: Dec 24 2007, 10:56 PM

as far as i know, CREDIT CARD where need to key in pin verification..... on like ATM Maybankard.... and not sure about Debit Card...

are you asking the correct question?

Erm i think so i ask the right question. It is not a ATM maybankard. It is visa or master, i cant recall it is visa or master, debit or credit. All i know is it is not ATMmaybank, amex or diners. But definetely got visa or master word on the card. I come across this type of card alot times. If customer insist not to sign on it, we wont force them. But now my damm account department say different story. And my stupid new manager which dunno to speak english properly, know nothing bout it and only know to ask my colleague to pay. If with previous manager, no such issue will come out.

hmmm...

Debit card perhaps?

i cant help u on this.... let's wait for other sifu to answer ur questions.

I think what you meant is credit card that has pin verification or it other name 'Chip and Pin' The only cards that carrys pin verifications are cards that are issued in the UK. Basically with a pin verification, the pin is as good as a signature.

Read it up here
http://en.wikipedia.org/wiki/Chip_and_PIN

Seems like its easier to apply for CC in MY.. You can also apply for CC in SG too with HSBC. from SG, the credit limit is 1.5x or depending on what you submit, the bank may at their discrestion may give you more (based on annual wage inclusive of 13 months and bonuses). However, its pretty strict in SG though and there is a central data based where banks can obtain information about your credit status and even blacklisting..

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Added on December 25, 2007, 12:16 amI believe they do not charged anything at all if you don't use your CC for payment under this plan. I am on this too in SG..

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Added on December 25, 2007, 12:23 amRobinson is co-owned by Great Eastern insurance and OCBC bank... that's why you see OCBC every where in Robinson. SG Robinson even has an ATM inside thew stall..... or something related to OCBC..

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Added on December 25, 2007, 12:36 amSeems like the CC is being used as an ATM card, which is very common in SG. but you have to tell the staff where to charge, they can't simply jus charge and thePIN is the authorising code to transaction... some how, some where, some one done something... not sure ... what the hell is wrong... didn't know so troublesome.. never experince this kind of thing before.

Seems like many blur people serving customers and not knowing what is going on... scary man... because I used it often when in MY. I had this experience recently at Guadians. The sales staff swipe card and then tell me it can't be used because it requires a microchip on the CC. Something new to me as I had used it at Mid Valley Guardians... strange... that it can't be use. Another at TESCO on monday, staff ask supervisor to come because he felt... that's whatappear to me, that my HSBC card is fraud... he was looking "inside" out wondering and when supervisor came, she immediately swipe the card and get my purchase progressed after taking one look at it. in fact, I am goignt o write in to HSBC SG and ask them as I had few looks by staff serving me when I used the CC.


This post has been edited by bbmars: Dec 25 2007, 12:36 AM

well, even the customer key in the pin he still need to sign on the transaction. if didn't sign it's consider void. the pin just liked a password, only for security purpose, no others usage. So die die also need customer sign, or else have to pay yourself. This happen before when i was working in England Optical few years ago.
Hope i was answering your question

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Added on December 25, 2007, 1:10 amnowadays, almost every banks' credit card can be used as ATM card. But customer can choose want to apply or not. Well, it's depends on customer usage la. If lazy take many cards in wallet, of cos will apply.

This post has been edited by jimmy701: Dec 25 2007, 01:10 AM

nope, i want link my maybank cc to withdraw cash from my saving account, maybank not allow that.

the requirement to apply credit card is lower... as long as u got rm1.5k salary and above, can apply already... singapore needs at least sgd2.5k and above, i have no prob getting credit card in sg... i have 8 banks credit card in sg....

but it's harder to apply malaysia credit card if working in sg.... but lucky... my HSBC application is approved.. now waiting for citibank one to approve.. more than 1 mth liao still no news...

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Added on December 25, 2007, 6:34 amI think u are over-reacted already la.... malaysia credit card all comes with the EMV chip, and I think the cashier there is getting used of not swiping the card, but by reading it instead.... that's why they would think that urs is fake card... somemore malaysia HSBC credit card and sg HSBC credit card are of the same design, the staff maybe just overlooked it only...

I used my OCBC Titanium card, UOB Platinum card (comes with EMV) and DBS Black card in JB... no prob @ all.....

This post has been edited by kindaichi81: Dec 25 2007, 06:34 AM

Oic... no wonder la... next time when i wan to shop in Robinson, OCBC card need to be tagged along...