All major credit cards are accepted at upmarket hotels, shops and restaurants. Banks in Malaysia are linking to international banking networks, which allow you to withdraw money from overseas savings accounts through ATMs. Check with your bank at home to see if you can withdraw money from your home account while in Malaysia. Tipping is not customary in Malaysia. Bargaining is commonplace in markets and in many tourist shops.
Treat is as a polite form of social discourse rather than a matter of life and death.
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