Credit Card Fraud

I’ve been reading a lot about credit card fraud but I never came across my mind that it would happen to me. I’ve always wanted to ditch the lousy Ambank Mastercard that I have. But due to work i never had the time to do it.

Earlier, so happens that I was free and since I’ve not logged into my Ambank Online account for quite some time, I went in and it gave me a shocker.  My card has been charged RM1198 but no information what it is charged for. I called Ambank customer service and found out that it’s only 1 out of 4 transaction that has already been posted to my account. 3 more is still pending.

Some idiot used my card to make booking for tickets from MAS Airlines (RM1198) & Air Asia(RM399) on 18th Sept 2011. Another charges from Oregon X Ray Council Teutopolis (RM399) which I couldn’t find any information online regarding the company. Aside from that, 1 more transaction for Air Asia (RM874) charged to my account yesterday 20th Sept 2011.

Thank God! that I logged into my account just to check. I promptly raised a dispute on the charges. Hopefully they can do a chargeback on it. Else, I’ll have to bring the issue up to Bank Negara to settle it.

If only I cancelled the stupid card earlier, I would not have this kinda problem happening to me. I have no issue with Maybank nor Public Bank. At least they would call me to verify on the transaction. Sigh!

Seriously, who ever owns a credit card, be sure to check on the transaction daily, if not, every few days just to make sure nobody misused your card.

When lightning strikes

It was technology versus mother nature this time. A flash of light followed by a loud bang and my AVR (Auto Voltage Regulator) sparkled. I immideatly turned off all my electronic appliances in my apartment. Lucky me! My PC , TV and the modem survived the strike.

After the rain subsided, I trouble-shooted my AVR. Suprisingly, the power sockets are still functioning except for the phone line jack.  From my past experience, I think the spike came through the phone line. Well, at least the AVR stopped the current before hitting my modem. Else I would have take the hassle claiming warranty for both my AVR and modem as I bought it at two different places. =.=”

I guess I’ll have to get to Low Yat to claim warranty for the AVR. At the meantime , I’m surveying for another AVR and some good surge protectors. The only brand I had in mind for now is Belkin. Any recommendations?

Shopping at MPH Online

A moment ago, I was browsing MPH Online and I found out that they are one of the merchant support secure online shopping with Verified by Visa. Guess what ? Although most merchant only stated that they accept Credit Cards or Bank Transfer only, you can always try using your Debit Card to purchase stuffs through these merchant’s website. I’ve already already made a few purchases online using Debit Card already.

Anyway, back to MPH. My youngest sister’s birthday is coming soon. Since I won’t be going back to hometown till next month, I decided to purchase some books for her online and have it delivered straight to my house. I bought 3 books for her and 2 books for myself.

This is what I bought earlier.

1. Popular Chinese Idioms

2. Origins of Chinese Names

3. Ratatouille : The Junior Novel

4. Instant Japanese

5. Instant Thai

Books 1 & 2 are from AsiaPac and it’s more like comics. Ratatouille… well I bet everyone knows what’s that right ? He he… My sis is reading Musical High School 2 novel at the moment.

Um, those languages books are for me. I’m not planning to get a bride from Thailand or Japan tho. Just simply buying them to learn a word or two. Who knows right ? I might need it if ever visit any one of those countries. I don’t wanna act like a chicken when I only wanted to buy a piece of Fried Chicken. =p

Verified by Visa for Public Bank Visa Electron

Here’s a guide on how to enroll your Visa Electron to a new service offered by Public Bank at to extra cost to enhance your PB Visa Electron. It is a Personal PIN similar to ATM PIN but it has 8 digits to add a second layer of protection against unauthorised usage of your card when you shop online. So far, I notice that Genting Highland online booking have already started to use this new system. For further information about VbV, please read Get Verified by Visa


Step 1. Point your browser to . Once the page has loaded. Scroll down until you see the following logo on the left navigation bar. Then click on it.

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Get Verified by Visa

Verified by Visa is a system used by Visa as an added layer of security for online credit and debit cards transactions. A similar system is used by MasterCard under the name SecureCode (which is completely separate from verified by Visa, although it uses the same protocol).

“Verified by Visa” and “SecureCode” both are being introduced in conjunction with EMV as a means of shifting responsibility for fraud away from the credit card companies and also introducing more secure transactions, where the party not implementing the technology in question is held responsible for money lost due to fraud.

A transaction using Verified by Visa/SecureCode will initiate a redirect to the website of the card issuing bank to authorize the transaction either using private personal details kept by the bank, a user-chosen password, or, more securely, a one-time password. The Verified by Visa protocol recommends the bank’s verification page to load in an inline frame session. In this way, the bank’s systems can be held responsible for most security breaches.

Taken From Wikipedia, the free encyclopedia

If you are using Public Bank Visa Electron and wish to sign up for Verified by Visa, please read Verified by Visa for Public Bank Visa Electron

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