YouTrip for Taipei

[calkel20]

How can u not have Trust card? Hahaha... Later I wanna hard sell to u liao...

Haha... I so far rarely go overseas. Only 2-3 times a year. Other than that, really dun use much.

 

[calkel20]

Paid 1263
Rate was 22.81 even though posted right now is 22.94

 

[rrr2015]

Paid 1263
Rate was 22.81 even though posted right now is 22.94

it did dip 22.82 before coming back up. means they using spot rate?

 

[calkel20]

it did dip 22.82 before coming back up. means they using spot rate?

Actual day rate is updated at about 3.05pm.
But from trip it also keep you inform what is the rate deducted.
Not truthful to what is posted on the Mastercard conversion rate.

 

[rrr2015]

Actual day rate is updated at about 3.05pm.
But from trip it also keep you inform what is the rate deducted.
Not truthful to what is posted on the Mastercard conversion rate.

seems that they use live fx rates
https://support.you.co/hc/en-us/articles/360000605014-What-is-Wholesale-exchange-rate-

 

[wongkc]

My YouTrip card just got fraudulent transactions... those Facebook Ads and Metapay transactions... but luckily i got lock the card when not using... so all kenna declined... and YouTrip auto suspend the card... very quick response from YouTrip customer service... send them a message asking if those transactions went through through the app... they replied within 1hour... and confirmed those events and offered to send a new card...

Funny thing is... this card is relatively new... last yr Oct then got it and i used it only in Korea in Dec... and twice to pay utilities through SPservices app many months back... how did they get the card information? Either my card was skimmed when i was in Korea or SP kenna hacked liao?

 

[twosix]

My YouTrip card just got fraudulent transactions... those Facebook Ads and Metapay transactions... but luckily i got lock the card when not using... so all kenna declined... and YouTrip auto suspend the card... very quick response from YouTrip customer service... send them a message asking if those transactions went through through the app... they replied within 1hour... and confirmed those events and offered to send a new card...

Funny thing is... this card is relatively new... last yr Oct then got it and i used it only in Korea in Dec... and twice to pay utilities through SPservices app many months back... how did they get the card information? Either my card was skimmed when i was in Korea or SP kenna hacked liao?

Unlikely is SP or else other cards may be illegally charged too.

Did you swipe the card in korea? Most probably this is the reason. Good that u lock the card when not in use.

 

[wongkc]

Unlikely is SP or else other cards may be illegally charged too.

Did you swipe the card in korea? Most probably this is the reason. Good that u lock the card when not in use.

Yes i did use the card extensively in Korea... i mean card usage there is so broad... anything also can use card... even those $1-2 vending machines can use... but i dun particularly noticed anything unusual...

Nowadays so hard to guard against all these nonsense... really the good thing is YouTrip can lock when not using...

 

[twosix]

Yes i did use the card extensively in Korea... i mean card usage there is so broad... anything also can use card... even those $1-2 vending machines can use... but i dun particularly noticed anything unusual...

Nowadays so hard to guard against all these nonsense... really the good thing is YouTrip can lock when not using...

yah, very hard to guard. many hackers kenging how to charge to cards. haha.

tapping cards or using the chip on the cc i think is safe, but giving the card and letting others swipe the magnetic strip on a machine is very dangerous.

 

[naxchua]

it's not leaked by SP for sure... the hackers are randomly generating from some codes...

My UOB KF card gotten last dec also kanna fraudulent transaction(ChatGPT type) in April... and the only merchant that I used that card was Scoot... LOL...

Anyway UOB has launch investigation and send me a replacement card after I file fraud dispute with them....

Just check your statement or transactions from app frequently will be good... or activate notification for every transaction made if the bank/service provider offer....

 

[wongkc]

it's not leaked by SP for sure... the hackers are randomly generating from some codes...

My UOB KF card gotten last dec also kanna fraudulent transaction(ChatGPT type) in April... and the only merchant that I used that card was Scoot... LOL...

Anyway UOB has launch investigation and send me a replacement card after I file fraud dispute with them....

Just check your statement or transactions from app frequently will be good... or activate notification for every transaction made if the bank/service provider offer....

Yah i set notifications for every transaction... but funny thing is this MetaPay and Facebook Ads charges that was declined was not reflected in the app or got any notifications... I only get to know abt it after YouTrip sends me an email notifying me regarding these transactions...

 

[rrr2015]

Yah i set notifications for every transaction... but funny thing is this MetaPay and Facebook Ads charges that was declined was not reflected in the app or got any notifications... I only get to know abt it after YouTrip sends me an email notifying me regarding these transactions...

did u link metapay / facebook ads to youtrip? usually online transactions need to swipe on youtrip apps before it gets approved. that's probably why these transactions were declined

 

[wongkc]

did u link metapay / facebook ads to youtrip? usually online transactions need to swipe on youtrip apps before it gets approved. that's probably why these transactions were declined

Nope… I did not use this card for anything else… this is my card for overseas usage only… I only use it on SPservices app after I return from Korea to reduce the amount I keep inside… after using I lock it Liao… never touch or use it at least for 4-5 months liao…

 

[rrr2015]

Nope… I did not use this card for anything else… this is my card for overseas usage only… I only use it on SPservices app after I return from Korea to reduce the amount I keep inside… after using I lock it Liao… never touch or use it at least for 4-5 months liao…

aside from card skimming, mobile apps might be another source of leaks if u had linked credit card to their payment system

yeah ability to lock & unlock card is very handy. why other credit cards didn't add thia feature?

 

[wongkc]

aside from card skimming, mobile apps might be another source of leaks if u had linked credit card to their payment system

yeah ability to lock & unlock card is very handy. why other credit cards didn't add thia feature?

I think card locking is useful for debit cards primarily... coz users and merchants knows the exact moments of usage...

But for credit cards... if locking mechanism is used... it will be disadvantageous for merchants... since some services are charged only after some time and not at the point of usage... There is a reason why some hotels and car rentals strictly forbid use of debit cards...

 

[naxchua]

aside from card skimming, mobile apps might be another source of leaks if u had linked credit card to their payment system

yeah ability to lock & unlock card is very handy. why other credit cards didn't add thia feature?

cos credit card can file dispute... prepaid/debit card can file dispute but hard to get back the money cos the money will be removed from the account immediately upon transaction complete...

 

[rrr2015]

I think card locking is useful for debit cards primarily... coz users and merchants knows the exact moments of usage...

But for credit cards... if locking mechanism is used... it will be disadvantageous for merchants... since some services are charged only after some time and not at the point of usage... There is a reason why some hotels and car rentals strictly forbid use of debit cards...

dunno how it works. thought each transactions need bank side to approve, so considered charged though merchants only received $$$ later?

used youtrip on BKK MRT, it wasn't immediately charged until few days later.

 

[rrr2015]

cos credit card can file dispute... prepaid/debit card can file dispute but hard to get back the money cos the money will be removed from the account immediately upon transaction complete...

ya can dispute but troublesome as maybe oversea when fraud transaction happened. also need to constantly monitor, no peace of mind.

sometimes lose card just wanted to quickly lock card via apps. I'm sure u experience the hassle of going thru helpline just to get it done.

and how many minutes during waking hours do we actually use cards? less than 30mins or even less.

by locking outside these hours makes it more difficult to fraudsters & i believe will greatly reduce such fraud transactions

 

[wongkc]

dunno how it works. thought each transactions need bank side to approve, so considered charged though merchants only received $$$ later?

used youtrip on BKK MRT, it wasn't immediately charged until few days later.

https://support.you.co/hc/en-us/articles/360012180253-Why-is-my-transaction-shown-as-Pending-

Why is my transaction shown as Pending?​

A pending transaction is an authorised payment that's still awaiting confirmation from Mastercard. All newly made transactions will first be classified as pending. The funds will be held until Mastercard has given its confirmation of the transaction. All pending transactions will be completed or reversed within 8 days.

 

[wongkc]

ya can dispute but troublesome as maybe oversea when fraud transaction happened. also need to constantly monitor, no peace of mind.

sometimes lose card just wanted to quickly lock card via apps. I'm sure u experience the hassle of going thru helpline just to get it done.

and how many minutes during waking hours do we actually use cards? less than 30mins or even less.

by locking outside these hours makes it more difficult to fraudsters & i believe will greatly reduce such fraud transactions

Coz many pple use credit cards for recurring payments... like subscriptions to monthly services, booking hotels which charges only after the free cancelation period, or car rental that need to hold on to a CC for other charges after the user returns the car... etc... so it is unrealistic for users to monitor such dates and unlock it on the day for the merchant to charge to the card...