银行有权利这样做吗？？

long0735

事情是这样的。。我有用RxB Bank 的来往户口，由于经济出了问题造成信用卡欠了两期的min payment，银行有权利从我来往户口扣钱？？在本人没有答应之下扣。。。我是查我 ATM 才知道的！！户口的钱我是要应急用的！！！

kbchoong

MAYBANK也是常用这招的，你回头看看你申请CREDIT CARD时，那个你签了名字的表格里密密麻麻的TERMS AND CONDITIONS吧，里面估计有这个条款。

long0735

万一我有支票要过。。那么不是弹出来？？100块谁人负责？

long0735

kbchoong 发表于 27-7-2012 06:06 PM
MAYBANK也是常用这招的，你回头看看你申请CREDIT CARD时，那个你签了名字的表格里密密麻麻的TERMS AND COND ...

谢谢你的解答！！

jvcpcv55

那就把户口和信用卡分开两间银行

美宝宝

绝对正常，朋友也是中过，出粮进5K，一过账户口马上变RM1，之后还向我借

所以说card 的bank不要和自己户口的bank混在一起，以防万一

derekting2u

通常申请credit card 都会有以下的 clause:-

"The Bank shall at all times so long as any money may be due on the Credit Card
Account have a right of combination, set-off or lien in respect of all monies now
or hereafter standing to the credit of the Cardmember on any banking account
(whether savings, current, deposit or otherwise and in whatsoever and any other
currency or currencies) or available credit lines to the Cardmember at any branch
of the Bank wherever located or any other monies whatsoever held by or on
behalf of any of the branches of the Bank for the account of the Cardmember
(including but not limited to any proceed from the realisation of any security given
by the Cardmember to the Bank). The Bank shall give prior notice before
exercising its right of combination or set-off. Any payment received from the
Cardmember may be applied by the Bank in satisfaction in whole or in part of any
amount of principal, interest, commission, charge, fee or other sum due
hereunder in such manner or order as the Bank may at its sole and absolute
discretion think fit"

gsong80

Maybank 在扣之前会冻结你的户口，当你提不到钱，会联络他，他才告诉你需要扣除一些儿故定的数目，你同意后他才扣，然后你的户口又恢复自然。

JackPhang54321

好像听多路人甲讲过，如果malaysia 的任何一间bank 做错的东西，顾客可以complain 去bank negara, 然后有可能take action against 那间做错的bank. 有前辈可以讲解一下吗，我不是很sure.

kelsey0711

银行应该有这个权力的，所以我都不用同一间银行^_^

.珍妮丝.

小女又学会了一堂课~

原来有这样的law的