http://www.lawyerment.com.my/boa ... _Law-107.htm?Page=1
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The limit of your liability for a lost or stolen credit card is RM250.00 only under Rule 13.2 of the Bank Negara rules on credit card if it has been fraudulently used.
Please note this limit and ensure that your bank does not overcharge you should your card have been used illegally.
Most are unaware of RM250 limited liability �C PLEASE READ AND BE INFORMED! CARDHOLDERS need not pay more than RM250 whenever their lost or stolen credit cards are used by others. Yet, often times, they end up paying much more.
This is because Bank Negara has not informed cardholders that they do not have to pay more than RM250 for fraudulent transactions carried out using their lost or stolen cards, when they had not acted fraudulently and had informed the banks about the lost or stolen cards as soon as possible.
This protection is given under Clause 13.2 of Bank Negara's Credit Card 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."
Banks know about Clause 13.2 but have chosen to ignore it. Instead they pursue cardholders for the fraudulent transactions.
They will tell cardholders that a clause in the credit card contracts states that all transactions carried out before the loss of the cards are reported to the banks, are deemed to be carried out by the cardholders.
--------------------------------------------------找到这文章..
The limit of your liability for a lost or stolen credit card is RM250.00 only under Rule 13.2 of the Bank Negara rules on credit card if it has been fraudulently used.
Please note this limit and ensure that your bank does not overcharge you should your card have been used illegally.
Most are unaware of RM250 limited liability �C PLEASE READ AND BE INFORMED! CARDHOLDERS need not pay more than RM250 whenever their lost or stolen credit cards are used by others. Yet, often times, they end up paying much more.
This is because Bank Negara has not informed cardholders that they do not have to pay more than RM250 for fraudulent transactions carried out using their lost or stolen cards, when they had not acted fraudulently and had informed the banks about the lost or stolen cards as soon as possible.
This protection is given under Clause 13.2 of Bank Negara's Credit Card 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."
Banks know about Clause 13.2 but have chosen to ignore it. Instead they pursue cardholders for the fraudulent transactions.
They will tell cardholders that a clause in the credit card contracts states that all transactions carried out before the loss of the cards are reported to the banks, are deemed to be carried out by the cardholders.
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http://yy-mylifediary.blogspot.com/2011/01/250.html
当信用卡被盗用 持卡人只须赔250令吉 星洲曾经报道过，一个妇女信用卡被盗用，结果银行要求妇女全数负责。 一名读者萧先生阅读相关报道后，写出自己的经历。萧先生曾经信用卡被盗，也没有及时发现。 结果卡被人盗用刷了RM5915。 萧先生报警，也通知了相关银行。不过，银行却坚持要萧先生负责所有的损失和欠款，同时委托律师控告萧先生。 萧先生之后向Financial Mediation Bureau -FMB投诉，FMB引用金融法令15.2题条文，指示相关银行撤控状， 而萧先生只须赔偿RM250。 如果你有遇到信用卡被盗用，面对银行控告的问题，可以向FMB求助。 |
