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Dear all MCFers Today someone hacked my credit card This is a 20 years aged card So many incurring monthly payee Actually the moment I received a OTP for online transaction I smelled a rat liao Immediately I reported to card centre Then CSO immediately blocked the card She go through all unbilled transactions with me Checking from when the card was compromised After verification she confirmed it is hacked more than a week But I don’t have sms alert for my 20 years old card So I don’t know what is happening Only OTP came...siao liao Ok this hacker got balls of steel I can say (He) used my card for all iTunes payments, Apple items, online automobile accessories and even dare to use my card to pay his mobile phone bill Do you think this hacker really no horse run? Card centre CSO also surprised that those transactions can track the hacker down Clever to hack but stupid to spend huh BTW sorry for so long winded I hope to share this so that bro and sis here can be more careful Best if some people can share more information about card security etc Thank you for reading my post PS. The troublesome part is I have to inform all payee about this and update all my new card details

amazon users take note there wil be 0.5% surcharge for visa transactions unless you use debit card or just use non visa cardss to begin with amazon items also not cheap?? just use lazada or shopee full story here https://www.straitstimes.com/singapore/consumer/amazon-to-introduce-05-surcharge-for-visa-credit-card-transactions-in-singapore

Grab will start implementing a S$1 processing fee for all GrabPay Wallet top-ups made using Visa credit cards, starting June 1, 2021. According to Grab, the extra fee is meant to "cover the costs levied by the service provider." This fee will be waived for top-ups of S$400 and above. Can still top up for free using Visa debit cards To cushion the blow of the announcement, Grab has shared three ways to top up your GrabPay wallet without paying a fee. Users can do so with Mastercard or American Express cards, as well as Visa debit cards. You can also transfer GrabPay credit from other users, or top up via your bank account. There will also be no additional charges if you use your Visa card as payment for Grab rides, or for GrabFood orders directly. See Grab's Facebook post here: Source: https://mothership.sg/2021/03/grabpay-visa-credit-card-fee/

Grab launches first numberless credit card in Asia source: https://mothership.sg/2019/12/grabpay-credit-card/ Grab announced the launch of GrabPay card in partnership with MasterCard on Dec. 5, it’s also the first numberless credit card available in Asia. Numberless credit card? Wha? The physical GrabPay card is completely numberless, front and back, and it looks something like this. The physical numberless card is designed to minimize security concerns, to prevent theft of personal and financial information. No more cashiers using their photographic memory to capture your credit card information. The card numbers will be reflected in the digital version of the card. GrabPay wallet users will have the details of their card stored within the Grab app. Great card for travel For those who prefer travelling cashless, the GrabPay card offers a foreign exchange fee of two per cent, a bargain compared to other cards out there, which range mostly between 2.8 per cent to 3.5 per cent. GrabPay Card users are also entitled to flight delay passes, they can access over 1,000 airport lounges across 100 countries if they face delays for over two hours. Rewards points galore On top of that, money spent on the GrabPay card can be earned as GrabReward points, credited at the point of transaction. As part of a limited launch promotion period, the GrabPay Card will reward users with up to 10x GrabRewards points per every dollar spent, redeemable all over Southeast Asia. Samsung users can add their digital GrabPay Card to their Samsung Pay wallet and make offline payments as well.

How u guy renew to suck the most value out of the payment? previous citi pm card now cui already

New Credit Card Freedom for Life With No Annual Fees Experience year after year of financial freedom – without joining or annual fees, ever. Credit Limit No limit is too high for the discerning. With the highest credit limit of up to 4X your monthly salary; the freedom of acquiring what you desire is within easy reach.

Guys. . . . Want to check with you guys do you guys have any encounter with overspending of credit cards? I have one friend who have overspend on his credit cards and ready credit and is very stress over this issue. Is there anyway i can help him beside lending him money?

Citi DIVIDEND Card Great for cashback, groceries, and causing jams at Esso stations. Petrol = 5% Petrol at Esso stations = 10% Restaurants and groceries = 2% Shopping = 0.5% Standard Chartered Manhattan Platinum Card Because in Manhattan, no one dares to carry actual money. $1 – $999 = 0.50% cash back $1000 – $2999 = 1% $3000 and above = 5% UOB ONE Card They forgot to set it in Landscape mode before clicking print. Rookie mistake. $301+ per month = 3.33 % $20,000+ per month = $600 (fixed maximum) Under $301 per month = Nothing Getting the Cards If you aren’t sure which card to pick, do a quick tally of your monthly expenses. If the biggest expense is: Petrol – Get the Citi Dividend card. But make sure you use Esso stations as often as possible. Movies and Clubbing – Get the Manhattan Platinum card Dining – Get the UOB One card Source: http://blog.moneysmart.sg/credit-cards/3-best-cash-back-credit-cards-in-singapore/ does anyone use OCBC Frank? How does it compare with the above?

anyone currently using POSB credit card to pay for their SP Services bills on a recurring basis ? understand that can get 1% rebate every month ? question : can I use my card and pay for my parents address ? (I am not staying with my parents).

HSBC's Peel & Win at Caltex 2017 Peel, Win and Get Your Fill of Sure-Win Prizes!From now till 31 October 2017, charge a minimum of S$60 in gross fuel spend to your HSBC card to get a free tissue box. Simply peel off the perforated flap on the box to discover your sure-win prize. Get pumped for prizes! Sony a5000 camera worth S$799 Resorts World Sentosa gift vouchers worth S$250 HSBC's Gold Class Movie Card wirth S$138 S$2 off car wash at Caltex service stations S$1 off Regular Single Scoop of ice-cream at Anderson's of Denmark S$1 off Nachos Combo at any Golden Village Cinemas in Singapore Limited to 50,000 redemptions, while stocks last. Valid from: 1 September to 31 October 2017 Sources: https://www.caltex.com/sg/motorists/rewards-and-offers/promotions/hsbccardpromo.html

When you use your credit card buying something oversea, sometimes the merchant will ask do you want to charge in SGD or the local currency. Which is better??

If you have a flashpay credit card, beware. It used NFC and can be read by rogue readers and apps, just by someone standing beside you. Even mobile phone now has NFC which opens up another security concern. https://www.youtube.com/watch?v=EKks3vfiy6Q

bros, siss.. anyone any idea if is possible to bypass the pin when pumping petrol in malaysia ?? just went jb pump petrol, put cc, ask for pin.. end up LL pass go to counter give card, pump and return to take back card.. troublesome.. counter staff said no choice..then next time makan how to pay if no pin ?? even in uk, china.. can just bypass entering pin... so why MY tak boleh ? any idea ? TIA

any credit cards? use Nets only give 10%....am switching to Caltex Viewer's Choice for 14%

ok ... searched "Frank" but no results. have been doing a lot of online shopping; esp on Qoo10 (almost avg 500/mth) ... so remembered reading somewhere that Frank_by_ocbc gives 6% rebates for online purchases. anyone using Frank_by_ocbc for you online purchases as well and really getting 6% rebates ?? think cimb's rebate ad was pretty misleading ... spent almost $2k but only got $4 in rebates !!

Hi, Anyone knows that any credit card that covers oversea car rental protection if you book using that card? This way can save up the daily insurance coverage for renting a car in oversea... but I don't know is it comprehensive enough or not.... any thoughts?

This is a sad news for shoppers. With effect from 1st June 2016, DBS CapitaCard will be discontinued. https://www.dbs.com.sg/personal/cards/credit-cards/dbs-capitacard-visa-platinum-card Remb to cash out all the cash rebate and exchange the points with vouchers before 30 Apr. And those who always got use the privileged parking it will be cease on 31 May 2016 Not a shopper thou. Just to share for those who got affected.

MORE SINGAPOREANS IN DEBT TRAP Big spenders chalk up debts of more than a year's salary from splurging non-stop By Yasmine Yahya, The Sunday Times, 2 Nov 2014 It is so easy these days to shop online 24 hours a day, book a trip to Europe on an instalment plan or even make an appointment for cosmetic surgery in Seoul. So easy, in fact, that more Singaporeans are falling into the trap of overspending and chalking up massive debts. Just over half of those who sought help at Credit Counselling Singapore (CCS) last year landed in debt after splurging on brand- name goods, holidays and clubbing, among other things. "Debtors usually have more than one reason. They may overspend and then become more vulnerable to get-rich-quick schemes, time shares or gambling, and one thing leads to another and the debt gets bigger and bigger," said CCS president Kuo How Nam. "But the first cause is usually overspending because many people are living lifestyles not justified by their incomes." There may be more than 40,000 people who owe more than a year's income from credit cards and other unsecured loans such as personal lines of credit or overdrafts. The Monetary Authority of Singapore estimates that 3 per cent of unsecured credit borrowers' debts exceed their annual incomes. Based on Credit Bureau (Singapore) data showing that 1.44 million people had at least one credit card account at the end of last year, The Sunday Times estimates there to be 43,000 people who had debts of more than a year's salary. Last year, the average debtor who turned to CCS for help owed $84,447 to seven creditors, but Mr Kuo said that figure is skewed by gamblers, who owe the biggest sums. Most others have debts in the tens of thousands of dollars, and they make up a big group. "A lot of it has to do with peer pressure or their own values. Some people say they feel they deserve to indulge themselves - they've worked hard, so they deserve to take more cab rides or a holiday even if they can't afford it," he said. "I asked a debtor once, 'Why did you carry on spending like this?' And the answer was that he was hopeful that some day his income would rise to a level where he could pay off his debt." Financial advisers say that is a common problem. SingCapital chief executive Alfred Chia said e-commerce has made it easy for people to use credit cards to shop round the clock, buying things they do not need. Even small purchases can add up. Travel-related temptations are also pervasive, he noted. "Some travel agencies have tied up with banks to offer trips to places like Europe on interest-free instalment plans so you can pay for your holiday over 12 or even 24 months," he noted. And if you do not make your monthly payments, you end up with interest charges and late fees. Financial planner Damian Pang notices that people are taking more holidays, including "staycations" at hotels in Singapore. "In the past, holidays were seen as a luxury but with so many budget flights now, people take two or three holidays a year. And in the past, we never had staycations. That's a norm now," he said. He is also seeing more clients going abroad, especially to South Korea, for cosmetic surgery. "That's the power of K-Pop. These trips can easily cost $10,000," he said. Financial advisers note that overspenders may not splash out on flying business class or staying at top hotels, but they do overspend on shopping or eating out. "They travel to exotic places, buy branded goods and dine at Michelin-starred restaurants," said Eternal Financial Advisory chief executive Viviena Chin. "The temptation is very high when you are overseas to go crazy shopping. Things are nicer or cheaper and you think you might not come back again soon, so just swipe the card and forget about tomorrow."

Today, when I print out my Credit Card statement..... I nearly fainted..... nearly 1K was charged through Paypal and some website that I have not heard of for some nbzzz CCB games (Elder Scroll or simi LJ)..... i check through all my stuff and very sure my kid did not buy it... he is using an iPad, and I already disable the payment long ago..... I call DBS and cancel the card..... nbzzz CCB.... tell me must pay for the charges first, else next month will charge interest..... LL pay up and hope that they can resolve this...... I check my Paypal account (so far, have not bought anything through Paypal), the credit card info inside is diff from the card that was charged.....in any case, I already deleted the credit card info in Paypal..... I really cannot understand how the dark Paypal can charge me..... ... NBCCB.... pui

Source: http://business.asiaone.com/print/news/personal-finance/35-and-flat-broke/page/0/3 She's 35, single and has worked for over a decade. She earns $5,000 a month and has no mortgage to worry about. And yet Lisa*, a publishing executive, barely has any savings to her name. Oh, and she's $20,000 deep in credit card debt. "It's been this way for years... I don't know when or how I'm going to pay that sum off ," she admits. She allocates about $3,000 each month to her rent, phone and utility bills. A large chunk of the remainder goes into paying off the debt on her three credit cards. But to make matters worse, she's been regularly rolling over the amount owed for the past 10 years, which means the sum has been snowballing. How did it get to this? Blame it on her shopaholic tendencies. She has a taste for designer bags and shoes, and enjoys eating at posh spots such as Mezza9, Otto Ristorante and Catalunya, easily racking up bills in the hundreds every time. And when she travels? You can bet she's staying at five-star resorts in Thailand and Bali. Sally*, 38, an accounts executive, owes her credit card company $7,000 even though she earns a comfortable $6,000 a month. She splashes out on designer bags, expensive holidays to exotic destinations like the Maldives and Fiji, and fancy toys and clothes for her fi ve-year-old son. Every month, she tries to dedicate at least $2,500 to servicing her credit card debts - but she always falls short. As long as she can remember, she's been struggling to pay off purchases she made months ago. Worse, her sales manager husband - whom she calls the "conservative, frugal one" - has no clue. She borrows a few hundred from him whenever she's desperate, but only as a "last resort". "The amounts are small, so he never suspects, but if he found out the whole truth, he'd be shocked," she confesses. NEXT: Taxis, spas and other splurges leave her in $15k debt ROLLING IN DEBT Lisa and Sally aren't the only ones in credit card hell. Across Singapore, 30-something career women with no kids or mortgages are chalking up dizzying amounts of debt. According to Credit Bureau Singapore, women aged 30 to 34 who have unsecured credit (this includes credit cards) owe an average of $5,445 each. And as of July last year, 62,830 unsecured credit customers had not made a minimum payment in two months - a striking 12.7 per cent jump from the previous year. How did we get to this stage? Sure, we can blame it on low interest rates and aggressive lending by banks in recent years. But experts say the main reason hits closer to home - we're just spending way more than we should. Instant gratification is a hallmark of our generation, says Roy Walker, principal consultant at IPP Financial Advisers (Singapore). Unlike our parents and grandparents, who scrimped and saved, we want it all and we want it now. He adds: "No matter how much fi nancial education or resources they have, folks who need that instant gratifi cation will always have a problem managing their money." BIG EARNERS, BIG SPENDERS Even high-flyers in senior positions are guilty. They splurge and don't know how to budget, which means that they too are falling prey to the crushing effects of debt. Take Stephanie*, 33, who is single and still lives with her parents. Though she's an art director at an ad and marketing agency and earns a decent $4,000 a month, she's mired in credit card debt totalling $15,000, which she's amassed since 2007. "I go to the spa every week for massages, mani-pedis and hair treatments; I take cabs everywhere; I eat at expensive restaurants twice a week; and I'm always treating friends to drinks when we go out - I like being generous and I feel bad because my friends don't earn as much as I do," she explains. She spends close to $2,000 a month on herself, leaving her with half her salary to pay off her three credit cards - nothing goes into her savings. "I know I should cut down on my spending, but it's hard for me to give up my indulgences," she laments. Stephanie recalls several incidences when she depleted her bank account the day before payday and didn't have enough to take a bus or train home. So she'd walk home from her office near Chinatown to her flat in Bukit Merah - a one-and-a-half-hour journey. "I was too proud to ask my parents, siblings or colleagues for money. Walking home one night, I promised myself I'd manage my money better... but I just haven't been able to nip this crazy debt in the bud," she says. She adds: "I admit that I feel powerless when it comes to money. The second it's in my hands, it disappears. I'm always telling myself that I deserve new things or treats." "I hate the situation I'm in, but I don't know where to start taking control over what I earn." Clara*, 34, and her husband Dennis*, 36, both lawyers, have a combined salary of $17,000 a month. So when they tied the knot three years ago, Clara assumed they could easily aff ord a big wedding in Bali and a nice condo. They went ahead with these, but she now estimates that they'll spend several years paying for their splurges. "We spent $100,000 on our wedding, a six-figure sum on our condo in a prime district, and even more money renovating and outfi tting it with expensive furniture," she says. "We had a budget, but I'm embarrassed to say that we busted it. We thought we could afford it all - but we barely did. Now, we're up to our necks in debt, amounting to about a couple of hundred thousand dollars." Th e couple are also servicing a loan they took out for their wedding and honeymoon. "That will probably take us three years to clear," she says. The situation is serious enough for Clara and Dennis to delay starting a family. Having a child now would only mean digging themselves deeper into debt. GETTING YOUR ACT TOGETHER Living simply and within your means is the key to staying out of debt, says certified fi nancial planner Daniel Tan. "Some people borrow money just so they can go on holiday, others drive cars that cost way more than they can afford… They can't distinguish between needs and wants, so they make poor money decisions that keep them in a vicious circle of debt." Clara and Dennis have learnt this the hard way and are now slowly building up a small nest egg for their retirement. "We've cut back on holidays, extravagant purchases and socialising," she says. These days, they take the train to work even though they own a car and limit themselves to one nice meal a month instead of splashing out on fancy dinners several times a week. Clara has also had to cut down on the allowance she gives her parents every month. The couple hope to be out of debt in a few years, and only then will they be thinking about having kids. "It's sad because I was hoping to be a mum by my 35th birthday," says Clara. "It doesn't look like that's going to happen now." *Names have been changed.