Adakah Selama Ini Kita Ditipu Oleh Pekedai???

The Star: Monday November 9, 2009

Merchants can’t impose fees on users of credit cards

PETALING JAYA: Credit-card users who are told to pay extra if they use their cards instead of cash should be aware that merchants are not allowed to impose merchant fees on users as stipulated in the card associations’ operating regulations.
“Under the Bank Negara credit-card guidelines, banks are required to display prominently on the credit-card application forms their fees and charges table,” said Association of Banks in Malaysia (ABM) executive director Chuah Mei Lin. “Banks are also required to print on the monthly billing statements to credit-card holders information on the various charges imposed on the oustanding balances and method of computation of such charges.’’
A comparison of rates charged by banks can be obtained from the bankinginfo.com website.
RHB Bank head of retail banking, Renzo Viegas, said banks would act on complaints from cardholders on “unacceptable practices by merchants’’.
“For example, cardholders should not accept any imposition of surchange, report such incident to the bank or go to other merchants that do not impose surcharge,’’ Viegas said.
At Malayan Banking Bhd (Maybank), merchant activities are continuously monitored to curb incidences of surcharge.
“Appropriate action is taken on merchants who flout the rules,’’ said Lim Hong Tat, Maybank’s senior executive vice-president and head of consumer banking.
On leakage of customer information, Chuah said: “We wish to reiterate that member banks treat customer information with the greatest confidentiality and not sell or use information indiscriminately outside the confines of the banker-customer relationship.
“Banks will not hesitate to take disciplinary action and report employees who breach laws, regulations and policies.’’
In fact, members of the public are encouraged to contact the ABM in respect of any suspected breach of confidentiality on the part of member banks, Chuah said.
Education in card acceptance procedures is especially important in cases where merchants face high staff turnover. There is inhouse training and continuous education on adhering to charges and security issues. — By YAP LENG KUEN

Comments

Post a Comment

Popular posts from this blog

Adakah Anda Tahu Apa Itu AKPK?

Rujukan dipetik dari laman AKPK, untuk rujukan dan memahaminya. Sesiapa yang menghadapai masalah kewangan (hutang seperti hutang along), lemah dalam pengurusan kewangan dan ingin mendapat maklumat demi maklumat berkaitan pengurusan kewangan boleh merujuk terus kepada AKPK. Di sini sedikit panduan untuk kita bersama, moga Allah s.w.t. melindungi kita dan menjadikan kita antara mereka-mereka yang mengenal erti pengurusan kewangan bagi kepentingan dunia dan akhirat. Amin. Untuk muat turun buku panduan Celik Wang Anda Dari AKPK disini (klik) .... AKPK atau Agensi Kaunseling dan Pengurusan Kredit merupakan ebuah agensi yang ditubuhkan oleh Bank Negara Malaysia yang menyediakan perkhidmatan berikut:- Perkhidmatan pengurusan kewangan dan kaunseling kredit, Penstrukturan pinjaman pendidikan kewangan yang bermasalah, Pendidikan kewangan AKPK ditubuhkan dengan tujuan:- menyediakan saluran kepada orang ramai supaya mereka mampu menguruskan perbelanjaan dengan berhemah dan teratur melal
Read more

Pelepasan Cukai Taksiran Tahun 2022, e-FIling Cukai 2023 (Dikemaskini 20/DEC/2022)

Image
Tahun 2022 sudah hampir melabuhkan tirainya. Sangat wajar bagi kita yang mempunyai pendapatan dan dikenakan cukai pendapatan mencerakin dan menelusuri pengecualian cukai yang boleh kita manafaatkan secara maksima.  Untuk tahun 2022 ada beberapa perkara khusus yang boleh dimaksimakan sebelum berakhirnya tahun 2022. Antaranya pembelian komputer atau telefon pintar untuk kegunaan kerja atau untuk pembelajaran anak di universiti wajar digunakan sepenuhnya. Selain itu, boleh menghadiahkan diri dan keluarga dengan keluar bercuti dalam negara (RM1000 pengecualian cukai untuk penginapan yang berdaftar dengan MOTAC https://www.motac.gov.my/en/check/registered-hotel).  Memaksimakan pelaburan untuk kegunaan masa hadapan juga pilihan terbaik seperti takaful, PRS dan SSPN. Bagi yang sudah meninggalkan pekerjaan dan tidak mempunyai pelan kesihatan, seharusnya mengambil peluang pengecualian cukai untuk menjalankan pemeriksaan kesihatan penuh dan rawatan jika ada penyakit serius.  Seterusnya bolehlah
Read more

Repair Master Boot Record (MBR) ACER MS Vista OS and Data Recovery

Image
Assalamualaikum w.b.t., In this post no discussion about financial planning, investment and "CHANGE" for better Malaysia but will share how to recover  corrupted hard disk and repair any of your computer MBR  when unable to reboot successfully. Why did I share the step and make it simple to recover back computer especially laptops? Main reason, I face difficulties to recover back my laptop once normal recovery method provided by my laptop manufacture was not working and backup recovery disk also failed to work. Last December 2012, my ACER Laptop crashed and failed to reboot. After few times making eRecovery approach, the laptops still unable to reboot and the last option that I have is to do hard recovery where all data in hard disk will be erased. At that time I was busy with tight project delivery and most of my data was in the laptop; and no latest backup being made. After 1 week struggling to recover boot problem then I make decision to purchase new laptop and st
Read more