![\"\"](\"https:\/\/www.everydayonsales.com\/news\/wp-content\/uploads\/sites\/5\/2018\/05\/Debit-Card.png\")
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Have you ever notice that everytime that you pump petrol with your debit card, you will be charge RM200 even when you’ve pump lesser amount than that?<\/p>\n
For most people (cheapskate like us), they will think why should I pay extra since I can earn interest with the amount?<\/p>\n
The deduction is temporary and the balance from the RM200 will be reimburse back to your account after 3-4 days.<\/p>\n
But why is the RM200 is deducted when you use debit card to pump petrol?<\/p>\n
This deduction is called Pre-Authorization Hold required sort of like authorization to the transaction and the lock up amount is RM200.<\/p>\n
It’s used to verify your card whether your card active and also whether it has enough money for your fuel transaction.<\/p>\n
The main reason for authorization holds is because there is a two-step process in the payment, consisting of an authorization and a settlement with a time lag in between.<\/p>\n
In short, bank is kiasi and want to ensure you got money to pump the petrol<\/p>\n
So the question now is that how can we avoid this RM200 pre-authorization hold and how can we only pay what we pump?<\/p>\n
The answer is simple.<\/p>\n
![\"\"](\"https:\/\/www.everydayonsales.com\/news\/wp-content\/uploads\/sites\/5\/2018\/05\/gst-abolishment-2.jpg\")
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You can pay the fuel transaction through the cashier\/petrol counter instead of the self service payment. When you make payment through the cashier\/petrol counter, there is no authorization hold needed. The authorization code will only be made when you use the self service payment at the pump.<\/p>\n
![\"\"](\"https:\/\/www.everydayonsales.com\/news\/wp-content\/uploads\/sites\/5\/2018\/05\/Debit-Card-1.png\")
<\/p>\n
Secondly, you can use some debit card that doesn’t have pre-authorization hold. You can try to use Maybank as we have tried to use Maybank Debit Card at the self service payment and seems like there is no RM200 pre-authorization hold. Or you can also try using CIMB where when you pump petrol at Petronas, there is no RM 200 pre-authorization hold.<\/p>\n
So how many of you kena before and don’t like it? Tell us your experience.<\/p>\n
You can try out the solution above and not charge extra when you’re using the Debit Card.<\/p>\n","protected":false},"excerpt":{"rendered":"
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