hi, want to ask those who work in oversea, how u all pay your credit card using e-banking?
coz using e-banking they will send the PAC code to your handphone first?
but if i went oversea, can my handphone still received the PAC code? or i need to change the country code for my hand phone number in the bank record in order to receive PAC code in oversea?

You will still receive the TAC / PAC code as per normal while you are overseas. So long you are using your Malaysian mobile, have roaming facility and using the same number that you registered with the bank, you will receive those codes. No problems.

I suggest you to add your cc account as your favorite account in yr e-banking system. That way you will avoid the hassle of entering the TAC / PAC all the time.

Is this the reason why most banks are suggesting rejected CC applicant's to wait for 6 months before considering to apply again?

This post has been edited by cenkudu: Apr 12 2009, 02:07 PM

Some banks practice this and some don't. Some banks you could apply as early as 2 weeks after you have been rejected. It depends.

Why do you need a local credit card when you are working overseas anyway ? Shouldn't you just apply for a credit card at one of the local banks in the country you work in ?


I think the problem is that you won't be able to login to your e-banking system while overseas. Tried this several times before.

Anyways, if you still need a Malaysian issued credit card while working overseas, the best method to pay your credit card bill is probably by auto debit.

This post has been edited by MilesAndMore: Apr 12 2009, 03:36 PM

so far i've no problem receiving TAC and accessing my e-banking while overseas

Same here ... no problem. I could safely say that I have used Citibank Online, CIMBClicks, SCB Online, HSBC Online and M2U while overseas and no problem.

This post has been edited by hye: Apr 12 2009, 06:18 PM

I agree. Should not be any problem. However for my case, I experiencing a couple of time, where I did not received TAC while oversea but its really rare.

But, if I not wrong telcos charge us for receiving SMS while overseas.

If I'm not mistaken you don't get charged for receiving SMS overseas. I can't remember seeing the charge on my bill. Like that the moment you switch on your mobile overseas you will be billed for at least 2 SMSes - first one to welcome you into the country and the other the local embassy information.

I'm more sensitive to the CallerID while roaming. Will only answer important calls from known callers. The moment you answer the phone, you will be charged.

I tried to login to my PBB online while waiting for my SQ flight back to KUL at Changi Terminal 2 via the free WIFI. I supposed SATS probably is blocking it to prevent fraud ...


Actually we'll be charge for each text message we received while overseas. I was charged RM1 for each text message i received from Malaysia while in Singapore via SingTel network.



This post has been edited by MilesAndMore: Apr 12 2009, 09:06 PM

Yup ... likely.

icic, thanks for all your inputs
should be no problem to receive sms in oversea then

aiks...really aaa ?? u use celcom or digi or maxis ?
i used celcom postpaid to roam at uk(vodafone),germany(vodafone.de) & france(cant remember the netwrok) no charge for sms received...
my hotlink also no credit deduction when received sms (O2 in UK and T-Mobile while in germany...france dont remember the network)...

sorry la out of topic...hehe

I'm using Digi prepaid. The cost of sending text message back to Malaysia is quite high too via the SingTel network though i can't remember how much exactly. Noticed this after a day in Singapore when my balance was only less than RM10. I reloaded RM30 into my mobile phone at the airport before leaving for Singapore a day earlier. I quickly switched off my mobile phone and told my parents to call to my hotel room directly instead if there is anything. Sorry for going OT.

Above question is most relevant to those of you using CC overseas.

I just reread the 1st post of this thread to confirm online/overseas transactions and was surprised to note that AMEX charge 2.5%. Damn it, I should have came here to recheck the overseas transaction charges before I made a US3,420 online charged on my AMEX 2 days ago. Only consolation using AMEX is that I have Turbo Rewards and that gives me 1.5% cash back should I wish to redeem my Membership Reward Points for cash rebate option instead of vouchers.

I am also surpised to note on the 1st post where it mentioned that UOB does not impose any surcharge on overseas or online transactions. I called up UOB and they confirm this.

Luckily I came here reread the 1st post as I will be doing more USD transactions in the coming months and looks like UOB is the only card I be using from now on for overseas and online transactions.

I would like to thank everyone here who have contributed information related to the 1st post of this thread.

This post has been edited by Gen-X: Apr 13 2009, 12:27 AM

would like to ask, i would like to apply one more credit card which is maybank petronas. Is it the more money u have in bank saving account would be high chance to get credit card approval?

i spent 80% of my salary so my account doesn't have much money left each month ... n also having 2 credit cards but payment history is good.. either minimum or a lil bit of minimum.

credit card A & B (joint credit)
Combined credit limit = 4k
Credit Available = 3K

credit card C
Credit Limit = 3K
Credit Available = 600.00

according to my credit card current condition.. is it consider "healthy" in the view of bank?

This post has been edited by IceBikers: Apr 13 2009, 05:52 AM

Not sure about this but certain banks will give you a FEE-FREE PRE-APPROVED credit card to you if you have some big savings account with them and HSBC, Citibank, Standard Chartered, Hong Leong Bank and CIMB Bank come to mind.

i never tried in Singapore, but my hotlink prepaid can receive sms for free in China and also US

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Added on April 13, 2009, 9:52 amthat shud be the bank's problem, sometimes when u request for TAC in malaysia, it's very slow oso

This post has been edited by alexwsk: Apr 13 2009, 09:52 AM

Side topic again: SG roam on Singtel is most expensive, whether on calls/sms.
I found out cheapest is StarHub. About 40% cheaper on calls/sms compared to Singtel.

it's still available..the last date for the transaction that u want to convert to flexi payment is on 30th June 2009..this is what they told me