{"id":9928,"date":"2026-04-28T11:06:56","date_gmt":"2026-04-28T03:06:56","guid":{"rendered":"https:\/\/www.fmos.org.my\/?p=9928"},"modified":"2026-05-19T14:45:25","modified_gmt":"2026-05-19T06:45:25","slug":"credit-card-unauthorised-transactions","status":"publish","type":"post","link":"http:\/\/www.fmos.org.my\/bm\/credit-card-unauthorised-transactions\/","title":{"rendered":"Kad Kredit - Transaksi Tanpa Kebenaran"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Siti merupakan pemegang kad kredit dengan bank, dengan had kredit sebanyak RM16,000.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Beliau menerima e-mel yang kononnya daripada penyedia perkhidmatan penstriman yang mendakwa bahawa langganannya akan digantung kerana masalah pembayaran. Untuk menyelesaikan isu tersebut, beliau telah mengklik pautan dalam e-mel itu, yang membawanya ke satu laman web dimana beliau mengikuti arahan untuk mengemaskini butiran pembayaran. Selepas itu, sebanyak RM10,000 telah dicaj ke kad kreditnya.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>PENEMUAN<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">Siasatan mendapati bahawa pautan yang diakses oleh Siti membawa kepada laman web phishing yang direka secara canggih untuk mencuri maklumat kad kredit. Setelah Siti memasukkan butiran kadnya, pihak ketiga telah memulakan transaksi sebanyak RM10,000.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dengan memasukkan butiran kad kredit serta OTP SMS ke dalam laman palsu tersebut, Siti secara tidak sengaja telah mendedahkan maklumat keselamatannya dan membolehkan pendaftaran kadnya ke dalam L Pay pada peranti pihak ketiga, yang seterusnya membolehkan transaksi tanpa kebenaran berjumlah RM10,000 dilakukan.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>KEPUTUSAN<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">Pengurus kes memutuskan bahawa transaksi tanpa kebenaran tersebut berlaku kerana Siti telah mendedahkan maklumat keselamatannya kepada sumber yang tidak sah.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Memandangkan caj RM10,000 tersebut telah diproses melalui pendaftaran L Pay yang sah dan disahkan menggunakan OTP yang diberikan oleh Siti, beliau dipertanggungjawabkan sepenuhnya ke atas jumlah transaksi yang dipertikaikan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>Siti is a credit card holder with the bank, holding a credit limit of RM16,000. She received an email purportedly from her streaming service provider claiming that her subscription would be suspended due to payment issues. To rectify the matter, she clicked a link within the email, which directed her to a website where she [&hellip;]<\/p>","protected":false},"author":4,"featured_media":9932,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[26,25],"tags":[],"class_list":["post-9928","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking-islamic-banking-payment-systems","category-case-studies"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Credit Card - Unauthorised Transactions - FMOS<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fmos.org.my\/bm\/credit-card-unauthorised-transactions\/\" \/>\n<meta property=\"og:locale\" content=\"ms_MY\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Credit Card - Unauthorised Transactions - FMOS\" \/>\n<meta property=\"og:description\" content=\"Siti is a credit card holder with the bank, holding a credit limit of RM16,000. 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