Credit Card Thread V6
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 May 26 2009, 10:31 PM
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Senior Member
732 posts Joined: May 2008 
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I really feel insecure with credit card..what happen if the cashier/waiter jot down the credit card no and the 3 pin no on the reverse side of the card. They can use the info on internet transaction.
Can anybody expert here enlighten me here on this. |
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May 26 2009, 11:19 PM
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Senior Member
4,094 posts Joined: Jan 2003 From: USJ 
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QUOTE(imax80 @ May 26 2009, 10:31 PM) I really feel insecure with credit card..what happen if the cashier/waiter jot down the credit card no and the 3 pin no on the reverse side of the card. They can use the info on internet transaction. Most cc (except scb) comes with extra security features for online transaction such as MasterCard SecureCode and Verified by Visa. Although not all websites support those features Can anybody expert here enlighten me here on this.   Added on May 26, 2009, 11:23 pm QUOTE(hye @ May 26 2009, 02:37 PM) Well ... finally the official T&C is out from the bank. Probably they received a lot of feedback concerning the lack of information concerning this product. OK ... let me try to add on based on what I know as well. RM3.75 to be exact, it will be charge for the 1st time only- Fee for current acct maintenance is not there but you definately need to keep some inflows and outflows in your account within a 12 month span. Otherwise they will deemed as dormant ... whether this will affect the status of the JustOne is still unclear. - Cheque book are mandatory items although you don't put in any money. The RM2.75 will be charged to your cc account instead. - If you have money in your account, spendings will be deducted from here and then the card will function as a credit card. If you ask me, just put in some money before the 12 months is up. At least you will avoid your account to be dormant. I suspect the card is actually a credit card with debit card like facilities. I'll be signing up soon for this card and let you guys know of the feedback later. Unless someone beat me to it. if it will use the balance in current account 1st, then i'll always keep the balance at zero  but will transfer $ into it and pay the cc thru itmust make sure how to perform credit transaction, else no cash rebate i think the card can survive without the current account coz this product cannot be seen in the current account category, only in the cc category My application is still pending, will update soon This post has been edited by alexwsk: May 26 2009, 11:25 PM |
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May 26 2009, 11:28 PM
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Senior Member
3,615 posts Joined: Feb 2007
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QUOTE(imax80 @ May 26 2009, 10:31 PM) I really feel insecure with credit card..what happen if the cashier/waiter jot down the credit card no and the 3 pin no on the reverse side of the card. They can use the info on internet transaction. Technically yes anyone can do this and get away with the numbers on your card. You're supposed to be protected in several ways. The first is that most internet sales will require your billing address that matches your credit card billing address. Second is you're supposed to have a limit on unauthorized transactions of RM250 only, this is Bank Negara's ruling.Can anybody expert here enlighten me here on this. I've heard bad things about the unauthorized transactions. Malaysian banks supposedly charge the customer first and ask questions later. Unfortunately Malaysian customer protection rights are almost non-existent so beware lah, you could possibly get into big trouble. |
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May 26 2009, 11:32 PM
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Junior Member
188 posts Joined: Jan 2008
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Hi, does anyone here knows actually how does a bank waive ur cc annual fee?
I heard tat from my dad bout the waiving of annual fee. But it depends on the individuals. So, just wondering if there's anyway or reasons that i can use to waive the cc's annual fee? Like maybe swipping the card a few times in a year? My dad's OCBC Platinum card is being charged around RM600 if im not mistaken, and i just got a supp from it. So, i'm just thinking is there any way for me to reduce the annual fee. |
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May 26 2009, 11:48 PM
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Moderator
9,301 posts Joined: Mar 2008
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QUOTE(adrianteo @ May 26 2009, 11:32 PM) Hi, does anyone here knows actually how does a bank waive ur cc annual fee? I believe OCBC Platinum Mastercard is by invitation only, correct ? And by being OCBC Premier customer, one will definitely get the invitation. Your dad has to call their CS try to waive the annual fee.I heard tat from my dad bout the waiving of annual fee. But it depends on the individuals. So, just wondering if there's anyway or reasons that i can use to waive the cc's annual fee? Like maybe swipping the card a few times in a year? My dad's OCBC Platinum card is being charged around RM600 if im not mistaken, and i just got a supp from it. So, i'm just thinking is there any way for me to reduce the annual fee. This post has been edited by MilesAndMore: May 26 2009, 11:49 PM |
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May 27 2009, 01:25 AM
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Senior Member
2,991 posts Joined: Jun 2007
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QUOTE(adrianteo @ May 26 2009, 11:32 PM) Hi, does anyone here knows actually how does a bank waive ur cc annual fee? I've never had OCBC platinum or any supplementary card before. But here's how I get my annual fees waived on my cards last time before I had any "free for life" card.I heard tat from my dad bout the waiving of annual fee. But it depends on the individuals. So, just wondering if there's anyway or reasons that i can use to waive the cc's annual fee? Like maybe swipping the card a few times in a year? My dad's OCBC Platinum card is being charged around RM600 if im not mistaken, and i just got a supp from it. So, i'm just thinking is there any way for me to reduce the annual fee. Call the card center. Pretend to be angry and tell the CS in an angry tone. "I want to cancel your card!". CS asks you why, you say cos you don't want to be charged an annual fee. You don't want to pay for something that other banks are giving for free. Other banks giving free annual fee. So you will bring your business to other banks. Usually, the CS will tell you they will waive or cancel the annual fee. |
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May 27 2009, 01:49 AM
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Junior Member
500 posts Joined: May 2007 From: Kuala Lumpur
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QUOTE(fauzistt @ May 24 2009, 08:22 AM) ..previously it's not like this, they just changed it last year... No, the only changes was the introduction of tiered interest rates and the removal of 20 days interest-free period for new purchases for customers with a carry forward balance.cant we consumer have any say before they change the rule that definitely not to our advantage; did they announce it before hand and invite comment from the public or consumer groups.. i suppose no, right? Our rights as customers are mainly the choice of changing card types/card providers or giving up the service if we are not happy with the new terms. Added on May 27, 2009, 1:51 am QUOTE(simplesmile @ May 27 2009, 01:25 AM) I've never had OCBC platinum or any supplementary card before. But here's how I get my annual fees waived on my cards last time before I had any "free for life" card. Erm, why not just ask nicely for the waiver? Call the card center. Pretend to be angry and tell the CS in an angry tone. "I want to cancel your card!". CS asks you why, you say cos you don't want to be charged an annual fee. You don't want to pay for something that other banks are giving for free. Other banks giving free annual fee. So you will bring your business to other banks. Usually, the CS will tell you they will waive or cancel the annual fee.  This post has been edited by charymsylyn: May 27 2009, 01:51 AM |
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May 27 2009, 06:55 AM
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Moderator
3,395 posts Joined: Dec 2007 From: 서울, South Korea
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QUOTE(simplesmile @ May 27 2009, 01:25 AM) Call the card center. Pretend to be angry and tell the CS in an angry tone. "I want to cancel your card!". CS asks you why, you say cos you don't want to be charged an annual fee. You don't want to pay for something that other banks are giving for free. Other banks giving free annual fee. So you will bring your business to other banks. Usually, the CS will tell you they will waive or cancel the annual fee. Bro ... the folks in this forum do not encourage such tactics coz we got more class than that. More often than not we got our AF waived without resorting to pretending to be "angry" or stooping to such low tactics. |
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May 27 2009, 08:52 AM
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Senior Member
4,261 posts Joined: Oct 2007
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QUOTE(hye @ May 27 2009, 06:55 AM) Bro ... the folks in this forum do not encourage such tactics coz we got more class than that. More often than not we got our AF waived without resorting to pretending to be "angry" or stooping to such low tactics. I agree with this. There are plenty free-for-life cards out there, just cancel the card and switch lah. Its so simple.What you're doing is making life miserable for all customer service staffs. |
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May 27 2009, 09:48 AM
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Senior Member
1,139 posts Joined: Nov 2008
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I saw an Guardian together with Public Bank advertisement in the star.
Now Public Bank offering quite attractive cash rebate, 8% cash rebate until 31 August 2009 on all transaction & no minimum transaction. Need to swipe minimum of 8 times per month to qualify. Need to SMS Maximum RM50 rebate per month Additional 2% rebate on purchase at Guardian Maximum RM20 rebate per month for purchase at Guardian |
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May 27 2009, 10:42 AM
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Senior Member
2,221 posts Joined: Apr 2008
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QUOTE(GHz @ May 27 2009, 09:48 AM) I saw an Guardian together with Public Bank advertisement in the star. Finally the sleeping giant awakes? Good news for their existing customers. However, the promo period is too short for a new customer to consider applying for a PBB cc.Now Public Bank offering quite attractive cash rebate, 8% cash rebate until 31 August 2009 on all transaction & no minimum transaction. Need to swipe minimum of 8 times per month to qualify. Need to SMS Maximum RM50 rebate per month Additional 2% rebate on purchase at Guardian Maximum RM20 rebate per month for purchase at Guardian |
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May 27 2009, 10:44 AM
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Senior Member
6,462 posts Joined: Nov 2004 From: [Latitude-N3°9'25"] [Longitude-E101°42'45"]
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QUOTE(hye @ May 27 2009, 06:55 AM) Bro ... the folks in this forum do not encourage such tactics coz we got more class than that. More often than not we got our AF waived without resorting to pretending to be "angry" or stooping to such low tactics. Second that. Just talk in soft nice tone and request for AF waiver. If they don't give, is ok, just ask to waive the fee and cancel the card. No need to be desperate |
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May 27 2009, 10:48 AM
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VIP
13,495 posts Joined: Dec 2006 From: KL, Malaysia 
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@adrianteo,
You can always check with the bank what the requirements are to get the AF waived. If they can't offer you a waiver, it's really entirely up to you and ur dad to decide if you want to pay the RM600 p/year. |
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May 27 2009, 11:31 AM
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Senior Member
1,749 posts Joined: Oct 2007
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MBB cc still got carrefour cash rebate? I can't seem to find any details in their website.
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May 27 2009, 11:44 AM
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Senior Member
2,354 posts Joined: Feb 2005 From: Subang Jaya 
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QUOTE(zenwell @ May 27 2009, 11:31 AM) MBB cc still got carrefour cash rebate? I can't seem to find any details in their website. Over already |
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May 27 2009, 12:33 PM
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Senior Member
3,394 posts Joined: Jan 2003 From: Kuala Lumpur 
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Greetings !!
Which Credit card will you go for .. mainly usage on petrol consumption and general online transaction ? Petrol station mostly visited is SHELL.  |
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May 27 2009, 12:54 PM
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Senior Member
4,522 posts Joined: Jan 2009
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QUOTE(HughieRmX @ May 27 2009, 12:33 PM) Greetings !! If you using Shell petrol, apply for Citibank Shell credit card. It is rebate 5% on petrol and 1.5% on retailWhich Credit card will you go for .. mainly usage on petrol consumption and general online transaction ? Petrol station mostly visited is SHELL. Citibank Shell credit card This post has been edited by bingozero: May 27 2009, 12:55 PM |
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May 27 2009, 01:03 PM
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VIP
13,495 posts Joined: Dec 2006 From: KL, Malaysia
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@HughieRmX,
General online transaction? Meaning, transacting in foreign currency or local currency? If it's in foreign currency, I suggest you go for UOB because they don't charge additional 'service' fees when U do a foreign transaction, unlike the rest of the banks. |
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May 27 2009, 01:17 PM
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Senior Member
4,261 posts Joined: Oct 2007
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QUOTE(bingozero @ May 27 2009, 12:54 PM) If you using Shell petrol, apply for Citibank Shell credit card. It is rebate 5% on petrol and 1.5% on retail Shell CitiBank Card requirements for the 5% rebate:-Citibank Shell credit card » Click to show Spoiler - click again to hide... « I'd rather go for CIMB DA Mastercard which gives 2% all the time, every petrol brand. Plus the card is free for life. or RHB TravelMoney - 5% on the first weekend, and 2% on any other day, every petrol brand too. Maybank Petronas card is good for points only. I'm not sure if you can use Bonuslink card at the station if u use this card... pls read the terms and conditions before recommending a card. This post has been edited by Aeon_Clock: May 27 2009, 01:19 PM |
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May 27 2009, 01:20 PM
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All Stars
21,963 posts Joined: Dec 2004 From: KL
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QUOTE(Aeon_Clock @ May 27 2009, 01:17 PM) Maybank Petronas card is good for points only. I'm not sure if you can use Bonuslink card at the station if u use this card... Anybody got the EON-GSC card? Looks good but only got Gold and Platinum card  |
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