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The limit of your liability for a lost or stolen credit card is RM250.00 only
16 Jan
Posted by Jayce as Ramblings
Do you know that the limit of your liability for a lost or stolen credit card is RM250.00 only? I do not know until my friend forward an email about this. It is an article taken from Consumers Association of Penang. Why do I suddenly so take care about credit card? My fellow blogger friend TZ’s credit card number was being used by someone to purchase computer from Dell online. And the credit card bank is asking him to pay the amount ~ RM2,149. It is not a small amount.
This protection is given under Clause 13.2 of Bank Negara’s Credit Card Guideline (the Guideline)
The cardholder’s maximum liability for unauthorised transactions as a consequence of a lost or stolen credit card shall be confined to a limit specified by the issuer of credit cards, which shall not exceed RM250 provided the cardholder has not acted fraudulently or has not failed to inform the issuer of credit cards as soon as reasonably practicable after having found that his credit card is lost or stolen.
I have several credit cards. However, not all of them use online protection like Verify by VISA, or MasterCard SecureCode. Therefore, I only use those credit cards that have this online protection. For example, one of my credit card banks, HSBC will call me whenever I do an online transaction on website that does not support Verify by VISA especially the online transaction amount passes certain limit. I trust this kind of bank. However, some banks like Citibank do not have this kind of service. Therefore, we need to be careful on selecting credit card bank.
Do you have credit card? And do you use it to do online transaction?
