POSB Everyday Card

[reddevil0728]

They talking about disabling debit mastercard by changing spend limit.

So the function without needing to press a pin right?

 

[Cometdevil]

Although can be done : https://www.posb.com.sg/personal/cards/card-services/atm-nets-link
But better don't do that, you lost the card, your bank deposit also at risk!

the person who picked your ccard will need to know your Pin to access your bank amount directly.
the more immediate problem of losing your CC is it can be directly used to spend by paywave bah..

 

[reddevil0728]

the person who picked your ccard will need to know your Pin to access your bank amount directly.
the more immediate problem of losing your CC is it can be directly used to spend by paywave bah..

I think it’s “safer” to lose cc than dc with paywave function.

safer in the sense, if got fraud, is banks money they will be more eager to try to recover it, so long as is not your fault.

dc, is money out of your pocket immediately.

 

[sohguanh]

Not sure if this divert from thread topic so if moderator find it please kindly delete. My question is about debit card.

My first cc was many years ago and during those times the criteria is 24K p.a salary and you get to sign to pay (those times before we have so many kind of XXXPay nowadays). Then the bank officer inform me there is another kind called debit card with a lower criteria and you also get to sign to pay but the amount is direct debit from the savings account linked to the debit card. She told me debit card is for ppl who cannot get cc but yet want to sign to pay. So debit card was to serve this market audience. I find this strange during that time already got Nets also no need pay cash upfront why then use debit card? She replied me not all stores have Nets and some ppl like to have the feeling to sign to pay enjoying the same "status" as cc holders.

Any reader working in banks can confirm what the bank officer told me is correct for debit card?
1. Not all stores have Nets
2. Some ppl like to have the feeling to sign to pay enjoying the same "status" as cc holders

Of cuz now 2022 so many form of cashless payment modes but above is talking about many years ago scenario.

 

[fr33d0m]

Not sure if this divert from thread topic so if moderator find it please kindly delete. My question is about debit card.

My first cc was many years ago and during those times the criteria is 24K p.a salary and you get to sign to pay (those times before we have so many kind of XXXPay nowadays). Then the bank officer inform me there is another kind called debit card with a lower criteria and you also get to sign to pay but the amount is direct debit from the savings account linked to the debit card. She told me debit card is for ppl who cannot get cc but yet want to sign to pay. So debit card was to serve this market audience. I find this strange during that time already got Nets also no need pay cash upfront why then use debit card? She replied me not all stores have Nets and some ppl like to have the feeling to sign to pay enjoying the same "status" as cc holders.

Any reader working in banks can confirm what the bank officer told me is correct for debit card?
1. Not all stores have Nets
2. Some ppl like to have the feeling to sign to pay enjoying the same "status" as cc holders

Of cuz now 2022 so many form of cashless payment modes but above is talking about many years ago scenario.

When 5C includes credit/charge card?

 

[reddevil0728]

Not sure if this divert from thread topic so if moderator find it please kindly delete. My question is about debit card.

My first cc was many years ago and during those times the criteria is 24K p.a salary and you get to sign to pay (those times before we have so many kind of XXXPay nowadays). Then the bank officer inform me there is another kind called debit card with a lower criteria and you also get to sign to pay but the amount is direct debit from the savings account linked to the debit card. She told me debit card is for ppl who cannot get cc but yet want to sign to pay. So debit card was to serve this market audience. I find this strange during that time already got Nets also no need pay cash upfront why then use debit card? She replied me not all stores have Nets and some ppl like to have the feeling to sign to pay enjoying the same "status" as cc holders.

Any reader working in banks can confirm what the bank officer told me is correct for debit card?
1. Not all stores have Nets
2. Some ppl like to have the feeling to sign to pay enjoying the same "status" as cc holders

Of cuz now 2022 so many form of cashless payment modes but above is talking about many years ago scenario.

cause debit card can use to purchase stuff online. normal atm card can't.

yea some ppl like to have the feel of signing and don't have to press pin.

might be true that some places accept card but not nets.

 

[saintgtril]

Hi all, i put up 2 requests to waive my annual fee (via the DBS bots), but declined. Any tip or suggestion to get my request waived successfully? Thanks!

 

[reddevil0728]

Hi all, i put up 2 requests to waive my annual fee (via the DBS bots), but declined. Any tip or suggestion to get my request waived successfully? Thanks!

Call?

also how many cards do you have with them?

 

[a4973]

Hi all, i put up 2 requests to waive my annual fee (via the DBS bots), but declined. Any tip or suggestion to get my request waived successfully? Thanks!

2 requests are for 2 different CCs? Or for 1 CC ie 1st request rejected then request 2nd time?

 

[saintgtril]

2 requests are for 2 different CCs? Or for 1 CC ie 1st request rejected then request 2nd time?

2 requests for the same card. Rejected 2 times for the same card.

Call?

also how many cards do you have with them?

2 cards with DBS.

 

[Keeystar]

same, just got the email saying unable to waive the cc annual fees, is this their new policy?
first time needing to pay cc annual fees

 

[DOINK1]

same, just got the email saying unable to waive the cc annual fees, is this their new policy?
first time needing to pay cc annual fees

I'm able to waive it through their Bot last month without any problem though.

 

[a4973]

Those that were unable to get waiver do you have > 1 CC from DBS ? What about those that were able to get waiver? Thanks.

 

[reddevil0728]

same, just got the email saying unable to waive the cc annual fees, is this their new policy?
first time needing to pay cc annual fees

Seems like lately a lot of experience suggesting they stricter.

 

[demoforce1]

same, just got the email saying unable to waive the cc annual fees, is this their new policy?
first time needing to pay cc annual fees

how much is your annual spent?

 

[Keeystar]

less than 10k annual
if cancel the cc still need to pay the annual fee? gonna call to cs instead

 

[reddevil0728]

less than 10k annual
if cancel the cc still need to pay the annual fee? gonna call to cs instead

annual fee is for upcoming year if you cancel you don't use for upcoming year

 

[sohguanh]

less than 10k annual
if cancel the cc still need to pay the annual fee? gonna call to cs instead

Better call CS to confirm. Last time another bank cc I call they say pay up remaining bill excluding the annual fee then they cancel your card. Maybe diff bank diff rules.

 

[zack14]

same, just got the email saying unable to waive the cc annual fees, is this their new policy?
first time needing to pay cc annual fees

just cancel the card

 

[Keeystar]

yup, called cs to cancel the card, just need to pay the remaining balance excluding annual fees