How To Apply Public Bank Visa Electron Fast (Within 7 Working Days)

UPDATE: Sending the application form using snail mail and courier service requires different address. Check the correct address to use below.


If your credit card or debit card doesn’t allow PayPal withdrawal, you may want to apply for a Public Bank Visa Electron debit card. I called up Public Bank’s customer service and was told that it will take at least three weeks before your debit card will be approved. That is very long so I asked him if there were “any other ways” to get it done faster.

He literally “lighted up” and told me there was. He sounded so cheerful and happy I thought that whatever method he was going to teach me would involve bribing or some other illegal means. I was wrong.

He helpfully told me that getting the Visa electron debit card approved is a very easy process. You can actually get it approved within a week or so, provided that you followed his advice and rushed the Public Bank’s staffs. So, here are the steps.

Step 1: Go to your nearest Public Bank branch and ask for the Visa Electron debit card application form. Grab the form and leave while smiling to the beautiful lady behind the counter. Fill up the form (of course, duh!).

Step 2: Photocopy the front and back of your IC. Cross it out and state that it is for Public Bank use only. That way, it won’t be misused for other illegal purposes.

Step 3: Write a check payable to “Public Bank Berhad“. The amount should be at least RM25. Write your full name and IC number behind the check. If you do not have a check book, don’t worry. Just send the application form and your photocopied IC. They will provide you with a bank account where you can transfer the money into later.

Step 4: Send your application form, photocopied IC and check (if any) to the address below. To shorten the time needed for the delivery, I will be sending it using overnight postal service like ABX Express.

If you plan to send using overnight courier service (eg. ABX Express, NationWide express, etc), send it to the following address:

Public Bank Credit Card Centre
10th Floor, Menara Public Bank
146, Jalan Ampang
50450 Kuala Lumpur

If you are sending using normal snail mail, send it to this address:

Public Bank Card Services
10th Floor, Menara Public Bank
146, Jalan Ampang
P.O. Box 11722
50754 Kuala Lumpur

Note: The address was given to me by the call centre staff and matches the address given in the Public Bank website. However, the address printed at the bottom of the application form shows that the postcode is 50754 instead. I will send it to the address above.

Step 5: Phone 03-21768000 to ask if they have received your application form. Tell them to process your application ASAP because it is urgent.

It will take at least 5 working days for your application to be approved. Phone them on the fifth day to check your application status again.

Your Visa Electron application should be approved within 7 working days (the quickest) if there are no other problems. I will be sending mine tomorrow.

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AmBank Credit/Debit Card Does Not Accept PayPal Funds

I am still waiting for my PayPal account to be verified. The bank statement should come within the next two weeks or so. I was hoping that my Ambank credit card can be used to withdraw my PayPal funds. I made a call to AmBank’s customer service last night and was disappointed with the outcome.

According to the customer service staff, AmBank does not allow such fund transfer from PayPal using their credit or debit cards.

I am back at square one now. I have no other choices but to apply for a credit or debit card from another bank. I have read some responses and comments in other blogs and forum and have decided to apply for a Public Bank Visa Electron. Malcolm has reported that he was able to withdraw his PayPal funds into his Visa Electron.

The next problem awaiting me would be the risk of getting my PayPal account frozen. I read some people got their accounts frozen after trying to withdraw their funds into a brand new debit card. There were suggestions to use the card to pay for something first before withdrawing. That way, there are a few transactions before the withdrawal.

I will be getting the forms to apply for a Public Bank Visa Electron later this afternoon. Any other suggestions, recommendations or warnings?

PayPal, Your OverProtective Father In Law

I know it is advisable to change our passwords every now and then. This helps in preventing stolen passwords up to a certain degree. However, to force your users to change their passwords before they can proceed is like having an overprotective father in law watching over your back.

Let me introduce to you, your overprotective father in law from your past life — PayPal.

When I logged into my PayPal account a while ago, I was required literally forced to change my password or else clicking on anything on the PayPal website (except the logout link) will load up the screen below.

PayPal forces users to change password to proceed

I had to think hard for a new password that is hard to guess yet easy to remember. After entering the new password and confirming my email address, I have control over my wife PayPal account again.

PayPal Automatically Accepts Fund Transfer

There have been some changes with PayPal and Google Adsense lately in terms of how they are currently handling fund transfer. Google Adsense allows withdrawal to Western Union while PayPal is accepting credit/debit card withdrawals for Malaysians. Both changes have speed up the withdrawal process and reduced the cost encountered by us.

I had two incoming PayPal transactions yesterday. As usual, I tried to accept them one at a time. Strangely, there was a popup message that mentioned that the consequent transactions will be automatically accepted if I were to choose to proceed. I accepted it and proceeded. Sure enough, my second transaction was automatically accepted.

Today, I have another two incoming PayPal transactions. When I signed in to my PayPal account, the transaction has been already accepted in both occasions. Does this mean that PayPal will automatically accept all transactions sent to me from now on? Are you having the same “problem”?

This change will be great for those who have many transactions to accept previously. Now, they will only need to login to their PayPal account occasionally to view how much their money has grown. Oh well, I still have no idea if PayPal will accept my AmBank credit card withdrawal. Can someone phone them up to enquire for me? LOL.

Withdraw PayPal Funds From Credit/Debit Card In Malaysia

Over the weekend, I have read a few posts that reported PayPal allowing Malaysians to withdraw their PayPal funds into selected credit/debit cards. This is great news to me since I am deciding on a way to withdraw my funds within the next two months.

This change was reflected in PayPal’s Payments (Sending, Receiving, and Withdrawals) Policy (modified on 30/8/2007). In section V. Withdrawals #0, it reads:

Original Credit Withdraw. Users in Italy, India, Luxembourg, Israel, Malaysia, Argentina, Philippines, Turkey, Brazil, Lithuania, Bulgaria, Indonesia, Uruguay, San Marino, Slovakia, Latvia, Chile, Romania, Cyprus, Slovenia, United Arab Emirates, Estonia, Malta, Gibraltar, Liechtenstein and Iceland may withdraw funds from the PayPal system to their valid credit or debit card in the form of a credit to the card on file with PayPal.

Therefore, apart from Malaysia, the other countries that were mentioned are allowed to withdraw their PayPal funds through a credit/debit card as well.

It was reported that some credit/debit cards do not allow such transactions from PayPal. The AmBank NextG debit card is one of those that can’t be used for this transfer. I have an AmBank credit card. I wonder if mine will work. I guess I either have to just give it a try or phone up AmBank service centre to ask.

I read from a forum post that someone called up their credit card company and was advised:

1. If you got credit card balance, amount transferred from PayPal will be knock-off with that credit balance
2. If the credit card balance is zero or less than the amount transferred from PayPal, you are not advise to withdraw at the ATM. It will be considered as cash advance withdrawal and subject to charges eventhough the credit card amount is already debit balance
3. What you can do is to give an instruction to the credit card issuer to transfer that debit balance amount to your saving or current account (clear in 5 working days) with no charge

This is great news to all of us but is also creating a lot of confusions. I won’t go rushing in withdrawing my funds just yet. No point being overcharged or risk any penalty from PayPal.

[Via Lilian and abdulla]