HSBC

We refer to the abovementioned subject matter.

On behalf of our member banks, The Association of Banks in Malaysia (ABM) would like to remind payment cardholders to read and understand the terms and conditions when opting for auto billing for recurrent payments. The terms and conditions set out in these agreements may vary depending on the service providers.

Auto-billing facility is available via credit/charge and debit cards. Customers wishing to opt for auto-billing would generally be required to make an application to the service providers concerned. Upon approval of the application, the customer’s monthly bills will be automatically charged to the registered card, be it credit/charge or debit card. For credit/charge cards, customers will be required to settle their credit/charge card bills with the bank concerned. For debit cards, the customers will have to ensure that they have sufficient funds for the amount to be debited from their account.

Billing dates would vary depending on the payment instrument used and the service providers.

In order to better understand the matter, we welcome the writer, “Unhappy” to contact us through our ABMConnect hotline at 1300-88-9980 or via email to This email address is being protected from spambots. You need JavaScript enabled to view it. to provide us with fuller details (such as name of merchant and relevant documentation) of the incident highlighted in the letter so that we can better address the same.

We refer to the abovementioned subject matter. On behalf of our member banks, The Association of Banks in Malaysia (ABM) thanks Dr. M of Seri Kembangan for highlighting his/her concerns in relation to banking amenities for the visually impaired community.

We would like to assure that our member banks have put in place arrangements to facilitate visually impaired customers in conducting their banking services transactions at their bank branches. Customers who face difficulties are encouraged to approach bank officers at the counters for assistance. Trained front-liners/customer service officers are available to ease their banking transactions. In addition, self-serve terminals such as ATMs have keypads that are equipped with raised dots on numbers 1 and 5 to facilitate touch sensitivity.

To enhance the delivery of banking service, our member banks are also currently undertaking feasibility studies with regard to the implementation of blind-friendly ATMs to better serve the visually impaired community. The commercial banking industry continuously strives to ensure inclusiveness and fairness in all its dealings with their customers.

Our member banks remain committed towards enhancing their banking services and experience that best serve all communities, including the visually impaired.

Kami merujuk kepada artikel bertajuk “Taktik kenakan caj tahunan kad kredit” yang ditulis oleh ‘Duit Plastik’ dan diterbitkan di dalam Rencana, kolum Forum, akhbar Utusan Malaysia bertarikh 20 April 2018. Kami ingin memohon ‘Duit Plastik’ untuk menghubungi Persatuan Bank-Bank Dalam Malaysia (ABM) dengan maklumat-maklumat berkaitan dengan kejadian tersebut, seperti di bawah, agar kami dapat menyiasat perkara ini dengan lebih terperinci:-

1. Bank pengeluar kad kredit;
2. Butiran kejadian; dan
3. Satu salinan penyata kad kredit yang menunjukkan caj tahunan dikenakan.

Di bawah Piagam Perkhidmatan Pelanggan industri perbankan komersil (yang telah disemak semula pada 30 Ogos 2017-http://www.abm.org.my/index.cfm?sc=customer_service_charter), bank-bank akan berusaha untuk memberikan akses kepada maklumat-maklumat yang berkaitan dengan produk-produk dan perkhidmatan, serta pelanggan-pelanggan akan dilayan oleh kakitangan bank yang cekap dan berpengetahuan. Dengan ini, sekiranya orang awam telah diberi maklumat yang mengelirukan atau tidak mencukupi mengenai produk-produk yang ditawarkan oleh institusi perbankan atau agen-agen mereka, orang awam bolehlah melaporkan perkara tersebut kepada pihak ABM.

Kami juga ingin memberi peringatan kepada orang awam agar memahami sepenuhnya terma-terma dan syarat-syarat yang tertera pada perjanjian kad kredit, terutama sekali berkenaan dengan yuran dan caj yang dikenakan, sebelum memohon dan/atau menerima sesuatu kad kredit.