Credit Card Fraud

Sunday (4th March 2012), I went online to purchase ticket from Cebu Pacific Airline. I used UOB credit card to finalise transaction and UOB sms code to complete transaction but Cebu Pacific Airline rejected the transaction twice for unknown reason.

Today, I call UOB to inquire about the transactions and the lady said UOB approved the transaction but Cebu Pacific Airline rejected the transaction and she said the airline could claim the transaction within 7 days. I asked her if UOB could put a permanent stop to these transaction since airline had rejected the transactions; her answer was NO. Then I asked if I forward the print-out of rejection message of the two transactions, will they do it. She said NO. She said I have to wait until they do charge to my account then I could instruct UOB to deal with it. Isn’t it silly?

I wonder why credit card holders have to go through this kind of risk when such risk can be stopped before anything has happened?

I told UOB lady I might complain to Bank Negara if later such fraud/mistake do happen later and I asked for her name and I wrote down her name, today’s date and time that I made the call.

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