I wanted the Superman Maybank card.
Sorry, quick and noob question... Since Debit Card directly deducts from my bank account balance... How to ensure that if I lost my card today and somebody picks it up, will this person able to swipe anything and deduct from my balance? Any security measurement will be applied before any charges can be charged to debit card? I know if credit card, will need to block card and raise dispute but at least it is a credit card, so no actual payment is deducted from me yet...

Apologies for this stupid question because I only have normal ATM and credit cards.

The beauty of a Debit Card is that you can control your damage, i.e. only deposit the amount you need into the account that is linked to the card. Not sure for China but it Australia we need to key in the PIN number when using Debit Card to pay for stuff at outlets; however, recently at Woolworths (one of the 2 biggest supermarket in Oz) one do not need to key in the PIN if amount less than AUD30.

Just like credit cards, guard your debit cards with your life

This post has been edited by Gen-X: Oct 15 2013, 01:02 AM

Pretty dangerous isn't it if I lost the card?
Maybe I will need to open a new Maybank savings account and just use it for debit card purpose.

This post has been edited by fruitie: Oct 15 2013, 01:04 AM

Yes, I think that is best. Go open new MBB Savings Acct (in another branch) and get another Debit Card.

ICBC UnionPay Debit Card.

Citibank Visa Debit Card with Plus Logo - new Savings Acct nominal amount to open. Just go deposit RM50 when the Personal Banker ask you how much you want deposit. Say you will transfer later from M2U.

Hong Leong Bank Transformer Visa Debit Card with Plus Logo - new Savings Acct with RM1K deposit but you can withdraw next day I believe but must maintain RM10 but better you check with them, I might be wrong here.

UOB MasterCard with Cirrus Logo - New Savings Accout with RM450 deposit I think but can go withdraw next day. This card good if lost, withdrawal limit only RM1K/day.

Transfer only the amount required from M2U account to the above related Savings Acct.

This post has been edited by Gen-X: Oct 15 2013, 01:14 AM

Good points and well noted.
Then, I don't need to get a Maybank Debit Card yet since it is my main bank, I really don't want to risk it for unnecessary risky things.
Just let it use for ATM and Giro purpose only.

Looks like it is Citibank and UOB now since I will get Plus and Cirrus. Of course ICBC for UnionPay.
Anymore other choices besides UOB For Cirrus?

This post has been edited by fruitie: Oct 15 2013, 01:14 AM

I just edited my earlier post. Open MBB account at another branch and get a new debit card. Maybe open a joint account where the first name is not yours? MBB is MasterCard so it should be Cirrus.

This post has been edited by Gen-X: Oct 15 2013, 01:17 AM

Actually besides for Cirrus, what could be the reason I should go for Maybank Debit Card? Assuming if I don't want to open any joint account for the trouble and also there is a risk of my bank account could be exploited? For any other convenience?

This post has been edited by fruitie: Oct 15 2013, 01:23 AM

None.

I guess you got no reasons now for not accepting the China assignment since your concern in respect to access to cash there is solved with you having debit cards from our local incorporated banks. There goes my chance to replace you for the China assignment but it is getting brighter for me to stand in for you here, hahahahaha

This post has been edited by Gen-X: Oct 15 2013, 01:31 AM

Let's see how it goes, I have been really unlucky with all these applications lately.
My plan:
1) Open savings account in ICBC to get their debit card that comes with UnionPay
2) Open savings account in Citibank to get their debit card that comes with Plus
3) Open savings account in UOB to get their debit card that comes with Cirrus (optional if I'm not too busy )
4) Status quo for my Maybank, let it continue in ATM now, not changing it to debit card.

I guess with my plan, I hope I can execute whatever I intended in China with no interruption. I shall report here for updates.

And don't forget, you still got your OCBC and MBB 2 Cards. And if really really in deep shit, call your boss.

And also after you are back, you are invited as a guest columnist at my blog

This post has been edited by Gen-X: Oct 15 2013, 01:39 AM

Yes, and I still have company's supplied Citibank corporate credit card as well.
And the not in use Stan Chart (for their cash back sake).

Ok, if I'm not too lazy. Man, this thing is really forcing me to do a lot of research on cards.

This post has been edited by fruitie: Oct 15 2013, 01:41 AM

Sis, now that you mentioned you got Citibank corporate credit card, that means Citibank got your personal info in their system? If yes, I foresee that you opening the Citi Savings Account without any hassle.

Good luck and have fun in China.

Yes, they have my information in their system and I'm also the Program Administrator for my company.
Thanks a lot and sorry for nagging you for days for this issue.

It is always a pleasure discussing stuff with another fellow kiasu bro/sis, better still if with a kiasi person, can learn more, haha. And I did learned a thing or two last two days from the above postings.

I learnt a lot as well.
Just submitted my interest for Citibank savings account, I'm waiting for their officer to call me.
I don't think I have the time to visit them that soon, let's see what they can do for me over the phone.

Ever heard of this before ?

CPP

All my cards , my wife's , my bro-in-law's and sis-in-law's are protected and its only rm118.00 per year.

Even our NRIC can be included.

You can have 4 users in one ac.

You are insured and protected for any misdeed by the person/s that stole/misuse you card.

Recommended by HSBC, and they have a local office in KL.

Anyone who want the KL contact no can PM me.

This post has been edited by digilife: Oct 15 2013, 03:11 PM

They offered me when I just got my Maybankard2Card.
But nah, not interested with this service.

Just need more effort to cancel my card.

Does your CiTi cc have the 'PLUS' logo ?

My MB2U card and CiTi cc have them, I guess our local banks charge you rm5 for ATM withdraw overseas and 'Cirrus' charges rm15 for each transaction ?

Pls correct me if i am wrong.

I'll not use my credit card to withdraw money.

Open CiTi Savings ac, then link that SA feature into the CiTi cc, thus save the hassle of carrying an extra card

Cause you have lots of camera equipment to carry too