QUOTE(ruztynail @ Oct 12 2008, 09:07 AM)
=hye,Oct 12 2008, 07:32 AM]
Great to see you around here
For your questions, for the security device ... you'll get in on the spot. Do remember to bring your cc to the bank as well when you make that trip.
haha thanks!!! if tats the case. hsbc is more protective on the customer's online banking. online purchases compared to citibank cc right? citibank u dont need the security device to buy stuff online.. jus the usual cc numbers.. ?
QUOTE(hye @ Oct 12 2008, 09:21 AM)
I'm the regular guy around here so u can say u can refer to me on this subject anytime. (Like u r the expect on the other subject)
U r right on the spot for Citibank when it comes to buying things online. Just to add ... don't get too excited coz the additional security requires the merchant to implement it on their website as well. There are sites which will not ask that additional Verified by VISA or SecureCode by Mastercard but it all depends whether you feel secure or not to proceed. For example (if I didn't get this wrong) - if you were to pay for your Maxis bill via MaxisOnline - you won't be asked the "security" questions but it does not necessarily mean that your cc details are vulnerable.
My take is that ... just be very aware when you use your card online. Most merchants should be OK and they have put in some investments to protect their customers for online transactions. However, there are the occasional merchants which you feel unsafe. The general rule of thumb ... if you feel unsafe then don't proceed.
Oh yes ... HSBC are great @ helping you if you ever encounter any bad cc transactions. I once had a double posting by the merchant and they got it resolved in less than 7 days after I send in the dispute form. No hassles or "I have to prove to you that I'm not bluffing you to dispute this transaction" attitude.
I believe the security device is only for their internet banking services.
Citi uses a pop up screen to deter from keylogger software. However the flaw is ppl can see what you clicked. After that, they would have 1 question (you have to register 3 questionnaire first time register) to answer before they completely verify your identity.
HSBC uses security device, the same for OCBC on top of the usual password keying.
One doesn't need the security device in order to make internet transactions from their credit card. However, HSBC had another round of security when purchasing online whereby the transaction would be directed to a HSBC secured server to once again verify the details of the cards. That's why I prefer using my HSBC card to do online transactions.
Added on October 13, 2008, 12:42 amQUOTE(kindaichi @ Oct 13 2008, 12:24 AM)
It depends to see whether or not you're eligible for additional limit. If you are, they might split the limit or they could even upgrade your limit and both card share the same limit. It's up to you.
For my case, I used to have share limit; than they noticed I only uses my Master, so they split out the limit for my Master to give me additional limit while retaining the same limit which I originally have on the Visa. Subsequent upgrade on limit would be on my Master while I still retain the limit for my Visa as the first time they gave me. So I basically got more than 100% upgrade on my original limit.
This post has been edited by b00n: Oct 13 2008, 12:42 AM 
Sep 6 2008, 04:38 PM
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