Debit Card遭盗刷两千多令吉，银行要她自行承担损失！

mikechinym

public bank 的 IT SYSTEM 很老丫的啦。
ATM 进钱了，也不会立刻update。

oscarlow

250以下不用PIN直接touch & pay过账,除非商场cctv拍到不是你刷的

芒果冰

thunder 发表于 23-2-2017 07:13 PM
全部它讲到完，这样拿debit card来也不见得有什么好处，直接cancel掉那张debit card 比较好!

现在debit卡就是ATM卡，你cancel了怎么提钱？？

thunder

芒果冰 发表于 24-2-2017 11:55 AM
现在debit卡就是ATM卡，你cancel了怎么提钱？？

不全都是吧！我现在还用着Rhb的ATM card，就是ATM card， 不是debit，不能在超市刷卡的。

Renddy6105

一起boycott PBB!!

bboyed

(i) Customer's Legal Position for Unauthorized Use or Transaction
Firstly, the consumer will not be liable for the following losses incurred as a result of
unauthorized use of a credit card: 37
A. not attributable to or not contributed by the custornerr"
B. caused by the fraudulent or negligent conduct of officers or agents of the financial
institution and other network participants including merchant; 39
C. relating to a forged, faulty, expired or cancelled card;"
D. occurring before the customer has received the card or access code ;41
E. occurring after the customer has notified the financial institution that the card has
been lost, misused, stolen, or that the access code security has been breached. 42
The above stated paragraph A. is a statutory incorporation of the common law duty owed by
the customer to its bank. Paragraph 15(1) ofBNMlGP 11 explains that a customer shall not:
(a) directly or indirectly disclose to any person the access code of his card or any
electronic device used to effect an electronic fund transfer; or
(b) fail to take reasonable care to keep the access code secret
Paragraph 15 (l)(a) and (b) is reflected by the common law Mac Millan 43duty which was
applied in the local cheques forgery case of United Asian Bank Bhd v Tai Soon Heng
Construction Sdn Bhd.44 A bank's customer is to take precautionary measures not to facilitate
fraud or forgery of cheques. By analogy, the Mac Millan principle is applied in the context of
credit cards; that a bank's customer is not to facilitate fraud or forgery of credit cards. A
financial institution will be absolved from all liability if it can prove that the credit card holder
has breached the Mac Millan duty."
The above stated paragraph B. is self explanatory and the financial institution is vicariously
liable for all fraudulent and negligent conduct of its own employees and all outsourcing
agents. A fraudulent employee or agent of a merchant is also covered by paragraph B.
The above stated paragraph C. relating to forged cards has to be read in light of the earlier
discussed Mac Millan duty not to facilitate fraud or forgery. Next it also must be read together
with the recent Credit Card Guidelines (version 2.0) that does impose a maximum ceiling of
RM250 for unauthorized transactions as a consequence of a lost or stolen card." Fraud may
occur if a credit card is lost or stolen.


还有更多的，要看finance 学生了

leevis501

jackygogogogo 发表于 23-2-2017 07:19 PM
是不是可以把 limit set zero? 任何数目都需要输入密码才可过账

是可以的。

sifuking

应该无论价钱大小也要输入密码才能过账啊？
必须要更新这样的规格了，这样安全方面会更稳吧！

xloongx

BlazeA4 发表于 23-2-2017 07:59 PM
我早就说过了，用debitcard是最愚蠢最白痴的行为

突然觉得你说的很对哦

又没得到任何优惠，还是要办一张信用卡比较好

monster.inc

銀行包贏的。除非你有錢請律師。

芒果冰

thunder 发表于 24-2-2017 12:02 PM
不全都是吧！我现在还用着Rhb的ATM card，就是ATM card， 不是debit，不能在超市刷卡的。

怎么可能？RHB也换了2次了，是银行要我换的，不是我自己换的。

投资小新手

PBB DEBIT CARD 看到被盗的都是它 。。。。

SN17

奇怪了，为什么你们都认为PB的那么老牙，但是我通常网购或一天ATM拿出RM5000，他们就打电话来问我问长问短，然后他们告诉我怕有人盗用我银行户口，我反而觉得这样很OK啊！

thunder

芒果冰 发表于 24-2-2017 03:35 PM
怎么可能？RHB也换了2次了，是银行要我换的，不是我自己换的。

我的Rhb ATM 卡用了N 年了，是公司要我们开的，因为以前出粮是用Rhb bank，现在换了银行但户口我还keep着,可能现在开的就直接叫你拿debit card 吧！

仓底货

大众银行就是比较贱的，现在只出一张扣帐卡，如果你拿了就要给 RM8 年费用，就算你不要所谓的扣帐卡功能。

魔界小雨点

Joo95 发表于 24-2-2017 06:00 AM
还是只带现金安全一点…

等下你被人抢就惨了。

Roy_Tantra5053

我上两星期也中招了，去打油，首先用信用卡，结果提示sell cancel,我觉得也许机器detect芯片不好，所以拿新的debit card试试，结果也是莫名其妙的sell cancel,走进去柜台用卡，pos机按pin，终于没问题。

但是过了一个星期check回account，发现那两次sell cancel是有扣我钱的，直接打去卡中心问，尼玛他们讲是油站问题，他们讲一般上sell cancel银行还是会on hold钱，不过只要油站那边确认cancel,两个星期内银行就会退钱，但如果油站员工做手脚，cancel sell钱自己吃起来，那银行是不会负责的，最多可以叫我写信投诉银行，或者找油站理论，他妈的问题是机器那边提示一个sell cancel讯息而已，连resit都没有，我拿什么去投诉油站？？

到今天都不懂怎样解决这个问题？

RayeNg

为什么PBB的回答好像怪怪的？paywave 只能在250以下才不需要pin，事主的amount都过250呀！

再来，如果是旧卡，是没有paywave的话，不是更说不过去吗，不是每一次的transaction都需要pin吗？

justebelmont

那个. Pay wave 是多余的，银行根本就不应该做這些让人麻烦的东西，

我个人表示 ATM card 就好了。

justebelmont

最好像中囯那般，全部手机支付。