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Message: <blockquote data-quote="Traveler" data-source="post: 366197" data-attributes="member: 7248">Personally, I like it that they call me right away if I miss the due date. Sometimes too busy and forgot to pay. Don't like to pay finance charges... Yeah the Direct Access virtual CC is such a hassle. Never bothered with it. You lose a card every month? Wah....  maybe you drink too much already.. hahaha <img src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" class="smilie smilie--sprite smilie--sprite7" alt=":p" title="Stick Out Tongue    :p" loading="lazy" data-shortname=":p" />I've had two of my cards cloned before (Maybank - once, Citibank - twice).1 - Maybank - I got a call from Maybank asking if I used my card at a petrol station near KLCC a few minutes earlier. I didn't. So they canceled the card right away. It was the quickest detection I've ever experienced, it was less than 30mins after it happened. Didn't have to pay anything, just had to wait for new card.2 - Citibank - I noticed someone charged my card at a few petrol stations in Kedah, while I was in Europe with the credit card! Called Citi, told them about it. Didn't have to do anything nor pay it, they took care of it for me, just had to wait for new card.3. - Citibank - they called me and asked if I made a charge in Japan, I was in KL at the time. I said no, and like before, they took care of it, and sent me a new card.</blockquote>