Liability for stolen credit card capped at RM200

A good reminder ... don't get cheated by the banks!

The Malaysian Insider
Tuesday June 09 2009

Liability for stolen credit card capped at RM200, court rules
By Edward Cheah

KUALA LUMPUR, June 9 – The High Court ruled today that the maximum that can be charged to a credit cardholder who has lost his/her credit card is RM200.
Lawyer Datuk Vijaya Kumar told The Malaysian Insider that Diana Chee Vun Hsia discovered her credit cards missing a day after they were stolen. She then reported it to the issuing banks.
Citibank informed her that RM1,851 had been charged the day it was stolen and that, according to company policy, she was deemed liable for the full amount because she did not report the card stolen within one hour.

She took Citibank to court to challenge this policy late last year.

Today, the High Court found in her favour when it said that, according to Bank Negara guidelines, the maximum that can be charged to the cardholder by credit card companies after a card is stolen is RM200, regardless of any company policies regarding elapsed time or amount.

Justice Datuk Mohamed Apandi Ali said that the Bank Negara guidelines “have the force of law.” – Bernama

About EPF Malaysia

Subject: Fwd: FW: About EPF... .Pls check this out ...

If ONE (1) of our Nominee in the EPF Nominees list deceased, automatically the whole arrangement (EPF Nominees list) is VOID. Meaning if, you only put in One (1) name & unfortunately he/she dies before you – automatically EPF will channel your EPF money to trustee of AMANAH RAYA upon your death.

Thou if, you DO have few names in the EPF Nominees list still - the whole arrangement is VOID & none of the individual balance name in the EPF Nominees list will get their potion & automatically EPF will channel your EPF money to trustee of AMANAH RAYA upon your death.

Piece of advice - if any of the your Nominee in the EPF Nominees list decease, please do immediately approach the nearest EPF counter & present the Death Certificate of the individual & re-instate you NEW / LATEST Nominee in the EPF Nominees list + NEW / LATEST percentage.

If, you & the other party (maybe spouse) involved in the same misfortune (accident / illness) that caused death to both yourself / spouse please, please, please alert your siblings / relatives / parents to immediately approach the nearest EPF counter & share the information within 3 days to AVOID all EPF money to be surrender to trustee of AMANAH RAYA.

Upon surrender to trustee of AMANAH RAYA, your children will have to battle the money thru 3 channels;

Majlis Agama

Pejabat Tanah


The normal period via above 3 channels usually takes 2-3 years (except if you have inside/tip top connection) at Amanah Raya.



幾年前他的母親去世,他回故鄉去奔喪,他一直不喜歡母親,因為她一直不斷向這一個兒子要錢,只要他一個月沒有寄錢回家,母親就打電話給他破口大罵,真是所謂的死要錢, 而且北原武越出名,她索取的錢越多。










養不起的未來 --不是收入太少,而是開銷太大!

Brave Smart Snail

When someone tells you that you can't do something ...

Brave, Smart, Snail

Look around...

Brave, Smart, Snail

Consider all options...

Brave, Smart, Snail

Then GO for it!

Brave, Smart, Snail

Use all the things you have...

Brave, Smart, Snail

Be creative!

Brave, Smart, Snail

In the end, you will succeed and prove them wrong!

Brave, Smart, Snail

Always remember -
Nothing is impossible, if your heart is willing...

locked your car doors when pumping petrol

Important - Happened in Penang

This is pretty scary, as is (its modus operandi is similar) with the case of Ms Canny Ong.

A friend stopped at a pay-at-the-pump gas station to get gas. When she had filled her gas tank after paying at the pump and about to leave, the attendant inside came over the speaker.

He told her that something happened with her card and that she needed to come inside to pay.

The lady was confused because the transaction was completed and approved.

She told him that and was getting ready to leave but the attendant once again urged her to come in to pay or else.....

She proceeded to go inside and started arguing with the attendant about his threat.

He told her to calm down and to listen carefully:

He told her that while she was pumping gas, he saw a guy had slipped into the back seat of her car and hid on the other side.

He had called the police.

She immediately became scared and looked out there in time to see her car door open and the guy slip out.

The story
The test for the new gang initiation thing which requires one to bring back a woman's body part.

One way they are doing this is crawling into girls/women's cars while the target is pumping gas or at the grocery store at night time. Then, they will cut off the victim's legs/ankles to disable them in order to kidnap them, and later kill and dismember them.

The other method is slipping into unattended cars and kidnapping the women for the same purpose.


Please pass this on to other women, young and old alike.

Ladies, be extra careful when going into your parked car at night.

Do not park at lonely or secluded places at any time of the day for the sake of free parking!

If at all possible, don't drive alone at night!

This is real! Kidnapping! Murder! Dismemberment! These are all happening here in Malaysia!!!

The message

1. ALWAYS lock your car doors, even if you're gone for just a second.

2. Check underneath your car when approaching it for re-entry, and check in the back before getting in.

3. Always be aware of your surroundings and other individuals in your general vicinity, particularly at night!

Send this to many girls so your friend will not be the next one!