I was at Steven Wong’s blog reading his review on Tune Money Visa Debit Card just now. It dawned on me that it’s going to be a very long comment. I might as well write a blog post about Tune Money Visa debit card.

Tune Money Visa debit card is fantastic and is my life saver. I have withdrawn money from PayPal into this Visa debit card many times. Each time is smooth sailing. Definitely a much pleasant experience than using VMI card.

The most amazing thing about Tune Money Visa debit card is that sometimes the money is transfered into the card after 2 business days (48 hours), man! But sometimes, it takes 3 days.

I save a lot of money on transaction fees because of this Tune Money Visa debit card. Previously, I used VMI debit card. Unfortunately, it was banned by PayPal in February, I guess. If you have used VMI debit card before, you know the transaction fee of $5 here, $2 there, and some more $10 monthly fee.

And then due to my poor credit record, Public Bank rejected my debit card application. I was not even applying for a credit card. I was only applying for a debit card. So strict man!

So how to withdraw money? I withdrew the PayPal money into my credit card. Yes, credit card! And when I wanted to use the money, I had to withdraw from the credit card. It’s called CASH ADVANCE. It’s so ridiculous, isn’t it? I withdraw my own money, yet I am charged cash advance fee. For every RM1,000 ($318), I was charged RM50 ($16). RM100 ($32) for RM2,000 ($637)!

You know how painful I was each time I withdrew money from my credit card. My hard-earned money. My hard-earned income. As a working woman who is loaded with more than $13,000 credit card debts, $16 or $32 for transaction fee does kill me.

Fortunately, Tune Money Visa debit card came to my rescue after a few withdrawals from credit card. Each time I withdraw from the card, the transaction is only RM1.15 ($0.37). No matter how much I withdraw, it’s only RM1.15. This only applies to CIMB. Other than CIMB, they will charge RM10.00 ($3.18) for each transaction.

If you would like to know the details about Tune Money Visa Debit Card, read Steven’s review.

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