I think limiting 2 cards from 2 bank only for new applicant, for existing cardholder I don't think so.
If it is true, a few card issuer might facing big trouble!

I haven't used my credit card for a few months. Is there anyway I can check whether its still active or not?

on your cc there is the valid thru date embossed on it. why do you need to check when you can see the 'expiry date' on the cc?

wahseh... i applied ocbc titanium from an agent. I got a surprise call from the agent's husband ask me to stay away from her wife.

I sms the agent my company's address and ask whether she from sabah becoz her hp number is starting from 8. No intention to be friend or court her. Just 1 sms. Moreover i'm younger than the wife. Got no security dun be sales line lah.

Who is ocbc agent here, please pm me. i want to get other agent .

CAll CS and complaint...

Yes, it will really take long time to arrive. I received the card on 7/9 and started swiping the card on 8/9. And now, I have not received the security pin number yet.


Existing cards are unlikely to be affected. Otherwise, our government will need to REFUND the service tax that we have already paid for third card and above.

mind post the link to check the CC's application status online?

thanks

Hi,anyone apply public bank cc recently?the rebate rm60 is credit in 1st month statement or 2nd month statement?

paiseh, failed my ocbc titanium card application. the strongest reason that i could say is that i took 2 weeks unpaid leave on the latest payslip that i submitted to OCBC. maybe ocbc thinks that my company deduct something or whatever

to make things worse, that ocbc agent keeps saying that my application is in process. (he didnt know that i checked using self service tel ; failed) stupid ocbc worker

Yeah. I think i will do just that. It's been so long ...


You can't check your card application status online. I always check it through their general line.

probably increase the minimum income requirement.

At least you got some kind of response. Emailed my application on 19/8, checked through phone a week later and status is processing until today. When I asked the phone CS said can't see anything more from their end.

Any chance that means ppl who already have 2 cc's will not be eligible to apply for a 3rd?

Finally found some use for my DA VI. Today was at 1U gsc, CIMB/DA VISA cardholders gets 1 for 1 free ticket. Too bad it does not apply for 3D movies, so I had to pay full for 2 tickets to watch Resident Evil in 3D. Next time I go watch non 3D movie there can get 2 free tickets as my wife has VI too.


Better call OCBC to check when they sent out the card. My first card took two week via normal post. Had it cancelled and picked up new card from HQ which only took them 2 working days to issue. My advise to people applying OCBC is to go to branch and apply and have the card sent to the branch for collection.


I doubt the government will limit the number of credit cards a consumer can hold. If they want to implement this, instead of limiting the number of total cards from 2 banks, what they will do most probably is limit consumers to having cards issued by 2 banks but no limit in number of cards. Why I say so is because the CL is still the same. For example, MBB you can have Visa, MC and AMEX CC where they all share the same CL.

The government is very well aware of the debt situation and many people becoming bankrupt because of credit cards and that is why they introduce the service tax last year to discourage people from having too many CC besides getting income. IMO, most likely the goverment may introduce one of the following this coming budget:

1. Increase the service tax from RM50 to RM75 or even RM100. Most people get credit card for 2 reasons - (1) for convenience and (2) for credit to buy stuffs they otherwise cannot afford. So by increasing the tax, card users will have to pay for convenience (most people only need 1 or 2 cards and to save on this tax, they can go use debit cards) and for those who need credit, what is RM50 or RM100 when can get easy thousand RM credit. By increasing the tax, the government will get more revenue.

2) As you mentioned, increase the annual income to qualify for CC. RM24K a year is reasonable.

3) Limit the total combined credit limit from all banks. The goverment can set tier for total combined CL a person can have shall be based on annual income. For example, max CL of RM10K, RM20K, RM30K for annual income RM24K-RM36K, RM36K- RM60K and RM60K-RM100K. For annual income above RM100K, CL up to bank.

4) Reduce the interest rate charged by banks again. Present 18% in just too high.

5) Worst senario, CL based on FD pledged.


Teach you a lesson, why in the first place you have to ask personal question? And who says a person having a particular number is from a certain place? I have mobile numbers starting from 2,3,7, 8 and 9 where a few of them bought from LYN members at Garage Sale.

Anyway, why you guys must apply thru agent? The fastest way is to go to branch and if you cannot fax in your application.

Theres this one time when I didn't use it for like six months and when I finally wanted to use it I'm not able to do so. So I had to call the bank and they did some verification and stuff and later activated it back. Why it was deactivated in the first place I don't know... didn't managed to ask.

Care to share long does it take to fail your application?

Same as my case. Guess it wont be so soon. The peoples in CS seems does not bother to help.

If increase the service tax to RM100, then is the time to hold only debit card......

Last time all numbers from Sabah start from 8 only Most new numbers sold in Sabah still start mainly from 8 especially those numbers sold by DiGi and Maxis.

Yeah ... i guess so. Not everyone spends high enough to have enough rewards points to offset the stupid tax.

Ya, i didn't hold any cc until apply for OCBC titanium.
Although i spend not much but the cash back is much enough for me to pay the service tax.

"Anyway, why you guys must apply thru agent?"
- some of the female agents are very pretty. hopefully some of them are single!
when we ichibawa will try to ask for phone no lor.....