Thursday, 30 October 2008

Tune Money Visa Prepaid Card

Hi, minna~
Finally, last Saturday I got my Tune Money Visa Prepaid Card. Yeay~
Ryo also happy for me back then...Heheheh

Now, I'll tell you about this card regarding my experience. We start with the good.

First, there is no salary requirement. Even poor girl like me can apply it. The only requirement that you need are only 2. First, you are 18 years old and above. Second, you are not involve with high risk nature business such as gambling, casinos and etc. Maybe it's looked like debit card. The difference between them is you need to have bank account to have the debit card but for prepaid card you don't need to have bank account.

Where can I use my Tune Money Visa Prepaid Card?
I can use it anywhere a Visa cars is accepted. And the most important is it can be use for online transaction included Paypal!

How to start?
Unlike usual debit card or credit card, this Tune Money Visa Prepaid Card can be applied online. Actually, that's the only way to apply... heheheh... So it's the most convenience for me since I don't have car and I live in can I say 'rural' area? huhuhu... For initial reload, you can use online payment or offline payment. For online payment, you can use either CIMBclick, Maybank or others bank that offer online banking. For online, you can pay at CIMB, BSN or Post Office.

How to top-up?
Since this is prepaid card, the concept is the same with prepaid card that you use for mobile phone, you must have money in your card before you use it. To top-up it, the payment methods are the same as the initial reload that are by online or offline.

What're the charges and fees?
Eventhough this card is suit for poor people like me, they are still charging us. Of course la, it's business. Nothing free~ heheheh... I never use the credit card, so I can't compared them. So as debit card. These are the fee:

No

Program Services

Annual Fee

One Time Fee

Per Transaction Fee

1

Basic Card – Tune Card

RM 9.99

N/A

N/A

2

Lost / Replacement /
Damaged Card

N/A

RM 20.00

N/A

3

Card Cancellation

N/A

RM 3.00

N/A

4

Hard Copy History Transaction

N/A

RM 5.00

N/A

5

Sales Slip Retrieval

N/A

RM 20.00

N/A

6

Foreign Exchange /
Conversion Fee

N/A

N/A

+ 0.5%


Other charges:

No

Program Services

Annual Fee

One Time Fee

Per Transaction Fee

1

Card Collection at Pos Malaysia*

N/A

RM 3.00

N/A

2

Reload charges – Cash**
i. Pos Malaysia
ii. CIMB Bank
iii. Bank Simpanan Nasional

N/A

N/A


RM 2.00
RM 2.00
RM 2.00

3

Reload charges – FPX (Online)

N/A

N/A

RM 0.50

4

ATM Withdrawal – Domestic
i. CIMB Bank
ii. Others

N/A

N/A


RM 1.15
RM 10.00

5

ATM Withdrawal – International

N/A

N/A

RM10.00 or 1.5% of the withdrawal amount, whichever is higher


And now is the bad.
I'm sick with something that need to wait for very long time. First, the application process was super slow. After a week I did the initial reload, there was still no sms or email that said they receive the money and I can collect the card. Then I called the customer service. I waited about 3 minutes to talk to the operator. Then, he said, he will check it and asked me to wait (again?). Then I wait about 20 minutes for it (what the fuck???). The operator said they didn't receive the payment yet and they will informed me once they do. After a week, I receive email that asked me to collect the card. Then I relief...
Then, last Saturday I collect the card. I choosed Maran post office to collect the card because it covinience to me to collect the card since Maran is my hometown and I going back home everyweek. I never thought that my decision is not convinience to them (Maran post office). I did not know how they register the card or whatever. But I wait and wait and wait again about 1 hour... osoi ne obachan~ Then the officer ask me to leave my phone number and they will called me after they finish doing whatever regarding that. As I thought they never called me. I came back again that evening and finally my card ready to be collected. Phew...

So, if you are the kind of person that enough patience, then, you can apply it here...
Or maybe only me had a bad luck?? Perhaps....

I had used my prepaid card. I buy 3 replica Hey Say JUMP t-shirts. Why I say replica? I'll tell you guys once I receive them~

9 comments:

  1. this debit card is good. maybe, i should have one

    ReplyDelete
  2. i think that we can't compare this with credit card though. even though the method of usage is same but the background is different (i myself have 2 gold card for biz travel purpose).

    perhaps, it's fair to compare it with debit card. however, with debit card we do need to have a bank account. and maybank saving/current account user can automatically get an ATM Card which act as a debit card too (Visa). The advantage: no addtional charge except for the card (RM 8.00).

    but of course not all people like maybank. or worry that someone might misuse the card and tada... all the saving's gone. so, prepaid charge card like tunemoney is a better alternative - although with charges.

    hmm.. perhaps cafes and shops in UTP can start having a card terminal. hehe.

    ReplyDelete
  3. Hi fm, btw thanks for the comment.
    As I told, since I never used credit card before I can't compared them. But I know 1 disadvantage of credit card is we can buy whatever we want as long as we not exceed the limit. Just like my sister did for shopping. If they pay the credit late, the card will charge. So, its bad for shopaholic...hehehe...

    From what I know, Maybank Visa debit card not usable for Paypal. Even I have 1...huhuhuh..

    If utp's cafe has card terminal? I'll still pay food with coins because if not I'll eat a lot...huhuhu..

    ReplyDelete
  4. I got tune money prepaid visa, i didnt top up the card since i get it,but my prepaid amaunt always increase,i just use it for online shopping and withdraw cash. How the prepaid amount always increase?any intrested log in at http://mentorjutawan.com.my/?ref/=1585

    ReplyDelete
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