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Hizi MasterCard za Equity ni fake!!!
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meme
#21 Posted : Friday, March 07, 2014 7:56:16 PM
Rank: Member


Joined: 7/20/2011
Posts: 161
Location: nairobi
alma wrote:
meme wrote:
@ Alma. The 'world' revolves around online transactions. I concur. BUT kenya.... no way. Online and merchant transactions in kenya account for less than 5% of all financial trandactions.

Some people such as yourself and myself use our cards online. We understand the risks involved.

Kindly tell me what is so difficult about making a request to have your card limit moved up all the way to 150,000 if you so wish.
Can you imagine the havoc you would umleash if every Equity mastercard had such a limit. ?


What are you trying to say. That Kenyans can't transact more than 2k online. If you are buying something online, you need your money.

Online unfortunately also means AROUND THE WORLD.

No wonder Kenyans are slow in adopting debit cards etd.

Equity never goes at a loss for their mastercard fraud. Mastercard does. Maybe that's the little lie being told.

What they don't want to do is to hire credit control and risk managers to deal with the issue.

But lying that online fraud is going to kill Kenyans is a lie. In 14 yrs of using online systems I've never been conned. Somehow you get your money back. One way or the other.

But I've been conned a number of times on Mpesa with no chance of ever getting the cash.



Most equity customers will NEVER use their cards online. Yes. Thats the truth, simply because most equity customers are BOP clients. Why would the bank expose them to loosing thousands by putting high limits.? Same reasoning goes behind the 30,000 ATM transaction limits. If you want a higher limit, simply request for one!
Patience. You cannot have a baby in one month by impregnating nine women....
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alma
#22 Posted : Friday, March 07, 2014 7:59:02 PM
Rank: Elder


Joined: 7/20/2007
Posts: 4,432
If that's the case meme which I may not disagree with can we stop lying about online fraud?

This lying doesn't help anyone. Just tell your mebas that they are too slow to use an ATM card. Apana mambo ya online fraud hapa.
Jose: If I make it through this thug life, I'll see you one day. The Lord is the only way to stop the hurt.
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meme
#23 Posted : Friday, March 07, 2014 8:00:46 PM
Rank: Member


Joined: 7/20/2011
Posts: 161
Location: nairobi
alma wrote:
meme wrote:
alma wrote:


They should just hire people who know what they are saying. Most of those working there don't even have a clue what paypal means. So how can they be masters of "online fraud".
.



Mmmmh.... @Alma.... we are not relating the online fraud per se to Paypal. Yes? ok.

2. Most organisations have what we call product training for staff. It is impossible for them not to have done so. Remember this is the ONLY bank receiving paypal payments in Kenya.


There is theory then there is fact. Take a trip to equete branch and find out the facts.

They didn't even know what it was until akowally wrote a post about it. And they still don't know. I know they don't coz they still ask me.

Maybe I should do their staff training for them. I can see a katender coming. nkt!

Online fraud my foot!


Hehe.... when such lies are told... I exit.
Patience. You cannot have a baby in one month by impregnating nine women....
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kiriita
#24 Posted : Friday, March 07, 2014 11:02:50 PM
Rank: Member


Joined: 4/20/2008
Posts: 437
2k limit in KES is certainly low.

I & M Multi Currency MasterCard works just fine and if there's a limit it must be pretty high - I've used one for an online transaction of over £1000....
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washiku
#25 Posted : Friday, March 07, 2014 11:33:45 PM
Rank: Chief


Joined: 5/9/2007
Posts: 13,095
meme wrote:
Yes, the bank SHOULD inform you about that limit. BUT show me a bank in our country that actuallly does that. It really isnt fair to demonise one bank for a practise or lack therefore that is widespread in the industry.

@bird_man.

your very right. You should Never use a card that is linked to your main account. That safaricom card is superb.


Why exactly should she care about what other banks do or not do? She is complaining about the one who is supposed to give her excellent, super, unmatched customer experience. It doesn't matter what others are doing because customer education is not a matter of public policy issued by CBK but something every banker should strive to give unmatched service. After all, out of the many available options in the market, she chose them n thus they have an obligation to serve her. Eish, why do we tolerate bulshit service in this country? Yani we can even say its an industry practise so its OK? In this 21st century?
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kigophilipe
#26 Posted : Saturday, March 08, 2014 2:39:21 AM
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Joined: 5/21/2012
Posts: 4
True i also have the i&m multicurrency MasterCard, it is the king of foreign currency transactions. It excels where others fail.. if thinking of transactions in a foreign currency it won't disappoint at all. This is precisely because you get to choose what currency to transform your into before you do the transaction. You can't bypass some secure systems without specifying beforehand even if you have enough cash in another currency.
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meme
#27 Posted : Saturday, March 08, 2014 6:32:29 AM
Rank: Member


Joined: 7/20/2011
Posts: 161
Location: nairobi
kiriita wrote:
2k limit in KES is certainly low.

I & M Multi Currency MasterCard works just fine and if there's a limit it must be pretty high - I've used one for an online transaction of over £1000....


Kiriita, what do you normally purchase with your card?
My theory is that due to the nature of most equity customers, (BOP customers) they would never need a 1000usd limit.

Patience. You cannot have a baby in one month by impregnating nine women....
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Mist
#28 Posted : Saturday, March 08, 2014 8:16:11 AM
Rank: New-farer


Joined: 1/8/2014
Posts: 77
Alot of comments herein make sense but i do believe that once you are with a certain bank say EQUITY for example it should be able to sort ALL your banking needs but you will find that some banks have better products than others and its upon us as consumers to know EXACTLY what we want among the various choices available.


If you just need one online transaction,why not just upgrade your limit then downgrade it after you are done ?

If you are to make quite alot of those transactions get an I&M prepaid card( They are the kings when it comes to that)

BTW many people believe that you need your ATM pin to transact hence maybe careless with their cards
There are two sides of the coin in the Limit smile
Simplicity is the utmost sophistication.
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meme
#29 Posted : Saturday, March 08, 2014 9:48:51 AM
Rank: Member


Joined: 7/20/2011
Posts: 161
Location: nairobi
Mist wrote:
Alot of comments herein make sense but i do believe that once you are with a certain bank say EQUITY for example it should be able to sort ALL your banking needs but you will find that some banks have better products than others and its upon us as consumers to know EXACTLY what we want among the various choices available.


If you just need one online transaction,why not just upgrade your limit then downgrade it after you are done ?

If you are to make quite alot of those transactions get an I&M prepaid card( They are the kings when it comes to that)

BTW many people believe that you need your ATM pin to transact hence maybe careless with their cards
There are two sides of the coin in the Limit smile

Well put!!!
Patience. You cannot have a baby in one month by impregnating nine women....
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meme
#30 Posted : Saturday, March 08, 2014 10:01:54 AM
Rank: Member


Joined: 7/20/2011
Posts: 161
Location: nairobi
Like phishing, online shopping identity theft
involves thieves who are experts at duplicating
legitimate and trusted online stores and
websites. Their goal is to get you to believe
that you are on the real version of the online
store so you will shop as you normally would.
How Does Online Shopping Identity Theft
Occur?
Because you are making transactions and
purchases on a fake, but completely
operational website, thieves are able to captur
all your entered personal information when
you check out. They are then able to use that
information to commit fraud.

NOTE. YOUR PIN IS NOT NEEDED HERE! ALL THEY NEED ARE YOUR CARD DETAILS.
Patience. You cannot have a baby in one month by impregnating nine women....
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mkenyan
#31 Posted : Saturday, March 08, 2014 10:33:17 AM
Rank: Veteran


Joined: 4/1/2009
Posts: 1,883
alma wrote:
If that's the case meme which I may not disagree with can we stop lying about online fraud?

This lying doesn't help anyone. Just tell your mebas that they are too slow to use an ATM card. Apana mambo ya online fraud hapa.

as meme has explained it makes a lot of sense to set a lower limit as a default on online transactions when it involves the type of customers equity have. your utter dismissal of it without even bothering to think it through is rather ironical for an online expert. or your online expertise only revolve on buying things online and not considering the possible risks that debit/credit cards may be subjected to online when in the hands of those who don't realise that one doesn't need their pin to use their cards online?
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washiku
#32 Posted : Saturday, March 08, 2014 10:50:08 AM
Rank: Chief


Joined: 5/9/2007
Posts: 13,095
mkenyan wrote:
alma wrote:
If that's the case meme which I may not disagree with can we stop lying about online fraud?

This lying doesn't help anyone. Just tell your mebas that they are too slow to use an ATM card. Apana mambo ya online fraud hapa.

as meme has explained it makes a lot of sense to set a lower limit as a default on online transactions when it involves the type of customers equity have. your utter dismissal of it without even bothering to think it through is rather ironical for an online expert. or your online expertise only revolve on buying things online and not considering the possible risks that debit/credit cards may be subjected to online when in the hands of those who don't realise that one doesn't need their pin to use their cards online?


And does it make sense for Equity to educate its customers on those limits according to you?
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pleasecallme
#33 Posted : Saturday, March 08, 2014 10:51:04 AM
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Joined: 7/14/2011
Posts: 171
Guys you have to understand one thing online fraud is there..and with Kenyans habit of clicking every link you see, banks have to take caution. When fraud happens on your account..when bots submit transactions on your account, you will go making noise to the bank from Head office to Machakos..to wazua. So yeah, its safer to enable limits on demand, for people who are sure they understand card based online purchases.
You kill bird...bird dead snake come.
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Mist
#34 Posted : Saturday, March 08, 2014 11:01:27 AM
Rank: New-farer


Joined: 1/8/2014
Posts: 77
pleasecallme wrote:
Guys you have to understand one thing online fraud is there..and with Kenyans habit of clicking every link you see, banks have to take caution. When fraud happens on your account..when bots submit transactions on your account, you will go making noise to the bank from Head office to Machakos..to wazua. So yeah, its safer to enable limits on demand, for people who are sure they understand card based online purchases.


Applause
Simplicity is the utmost sophistication.
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mkenyan
#35 Posted : Saturday, March 08, 2014 12:54:11 PM
Rank: Veteran


Joined: 4/1/2009
Posts: 1,883
washiku wrote:
mkenyan wrote:
alma wrote:
If that's the case meme which I may not disagree with can we stop lying about online fraud?

This lying doesn't help anyone. Just tell your mebas that they are too slow to use an ATM card. Apana mambo ya online fraud hapa.

as meme has explained it makes a lot of sense to set a lower limit as a default on online transactions when it involves the type of customers equity have. your utter dismissal of it without even bothering to think it through is rather ironical for an online expert. or your online expertise only revolve on buying things online and not considering the possible risks that debit/credit cards may be subjected to online when in the hands of those who don't realise that one doesn't need their pin to use their cards online?


And does it make sense for Equity to educate its customers on those limits according to you?

question first is whether this limit is indicated anywhere on the card application form or not. if not then they need to. maybe they should even go a step further and hold road shows even if it were to turn out that the limit is clearly stated in the relevant forms as it seems clear that kenyans (even wazuans) don't like to read and would prefer that things are explained to them like kindergarten kids.
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alma
#36 Posted : Saturday, March 08, 2014 2:47:26 PM
Rank: Elder


Joined: 7/20/2007
Posts: 4,432
mkenyan wrote:
washiku wrote:
mkenyan wrote:
alma wrote:
If that's the case meme which I may not disagree with can we stop lying about online fraud?

This lying doesn't help anyone. Just tell your mebas that they are too slow to use an ATM card. Apana mambo ya online fraud hapa.

as meme has explained it makes a lot of sense to set a lower limit as a default on online transactions when it involves the type of customers equity have. your utter dismissal of it without even bothering to think it through is rather ironical for an online expert. or your online expertise only revolve on buying things online and not considering the possible risks that debit/credit cards may be subjected to online when in the hands of those who don't realise that one doesn't need their pin to use their cards online?


And does it make sense for Equity to educate its customers on those limits according to you?

question first is whether this limit is indicated anywhere on the card application form or not. if not then they need to. maybe they should even go a step further and hold road shows even if it were to turn out that the limit is clearly stated in the relevant forms as it seems clear that kenyans (even wazuans) don't like to read and would prefer that things are explained to them like kindergarten kids.


Now who said I'm an online expert. I just buy things online and mama mboga accross the road.

You are still saying that equity customers are not very clever in that long post.

You have yet to give data on the extent of this online fraud thing you are talking about.

It is not the work of a bank to be my consumption regulator.

They have now decided that since someone in their office was silly enough to go to a phishing site and clicking on all facebook links, the rest of their customers must suffer.

We know that you can get gas infused with water at the gas station. Now do you still want the bank to limit the amount of money I spend at a gas station?

The truth is equete has decided that they are too scared that their customers are not clever.

Apana lies of online thuggery. I say this because they once limited the amount of money I could use on Paypal.

My dear friend, Paypal is the safest online system worldwide. Hata hiyo wanasema tuma ngiri mbiri tu?Shame on you Shame on you
Jose: If I make it through this thug life, I'll see you one day. The Lord is the only way to stop the hurt.
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Vallerrie
#37 Posted : Friday, March 21, 2014 10:25:20 AM
Rank: Member


Joined: 11/1/2012
Posts: 290
Gave up on Equity. Went back to CFC Stanbic for a Visa card whose limit is 40k.
Now im happy smile
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