Not everyone carries a credit card, nor is eligible for one. The solution for credit card verification as required by eBay.com or Paypal.com is to apply for a debit card.

There are many debit cards available in the market today. The only debit card tried, tested & proven to work with both eBay.com AND Paypal.com is the PB VISA ELECTRON offered by Public Bank Berhad.

Requirements for this card is very basic. The applicant needs to be at least 18 years old. First year subscription is FREE while subsequent renewals is MYR24 per annum.

PB VISA ELECTRON's Cash MegaBonus rewards each time you spend! You'll enjoy a Cash MegaBonus of 0.5% for every Ringgit charged to the Card. This is definitely better than getting loyalty points! The downside is, this reward will only be credited into your account after every 12 months!

Topping up is so easy. There are four options:
** Send a cheque to Public Bank Headquaryters in Kuala Lumpur
** Online transfer if you have a Public Bank savings account
** Transfer via ATM if you have a Public Bank savings account
** Deposit cash over the counter

Advantages:

• Can shop online ***Hurray!***
• Can budget spending
• If card is lost, cash is protected as the required balance at any time is MYR25.
  

Disadvantages:

• No "soft loan" from the bank hahaha
• Card needs to have available funds before using!