how you appealed?

Try writing to BNM and complain. Your chance is slim but no harm to try it out.

Erm......
I mention i got the FD in the their bank plus income tax statement....

do you have BNM website that can direct complaint?

wanna ask, if every month only pay minimum, the debt can be cleared or forever snowballing?

not really good at calculating. also, if only pay minimum and swipe again there are no interest free period right?

Have u read the T&C clearly which have such rule to block u cancel the cc within 6 months???

I think the salesperson also not clear at all.
They just asking me to apply,which said that, will higher than my current credit card limit,
also will double with my current salary.
Manatahu the credit limit only RM4k.

Feel that no point to hold this credit card,maybe will try for HSBC or CIMB!

mine even worse, sent in my documents on 13/9 and yet haven't process, called ocbc hotline and key my IC in, the answer is my IC not in their list

If you will be using the cc and paying the minimum repayment every month the debt will never be settled till the day you die!

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Added on September 20, 2010, 10:10 pmIf that is the case what's the big deal if the titanium cc application is declined. Just deposit RM5K FD in OCBC.

This post has been edited by wongpeter: Sep 20 2010, 10:10 PM

1. it take 24 month to clear your current debt.

2. if still use and pay minimum, until die, still have a debt.

Oh please ... don't blame others. You are at fault too for not reading the T&C carefully. Would you sign for a home loan without reading the T&C?
Did you ask additional questions to the agent ? Why did you apply the card in the 1st place ... ? It is because the agent sweet talk you or are you sure you fell for the higher than your current CL offer ? (This is called greed BTW)

I'm sure you read the thread before looking for a cc ... and you would have known that never to trust the cc agents. (Unless you never read the thread)

This post has been edited by hye: Sep 20 2010, 10:25 PM

I am facing the same situation too.

My FD was deposit b4 OCBC launch the titanium cc, i have told the agent b4, she said will make note in my application form.
But i donno she did it or not...
That agent always didn't pick up my phone or replay my e-mail.

hi everyone..i am planing to get 1 credit card for myself..RHB,citibank, public bank..may i know which 1 is good? in term of service and package they offer?

Finally received my OCBC Titanium card and card approval mail today.
Gonna go to their branch to request for pin...

I think even the agent also didn't really understood those T&C.
They just wanna persuade u to apply the cc to earn commission.

Do u mind calling OCBC Hotline to inquire your card application status? only if you dont mind...
I doubt the accuracy of OCBC Automated Service.

That's why ... don't get why many people need an agent to help them to apply credit card. We can do this ourselves and follow up on our own. Doesn't take much of our time ... I do not even use agent's service to renew my motor insurance policy now. I just pay directly to AIG (now known as Chartis) and i get 10% rebate every year


Try the local bank first such as CIMB Bank and Maybank.

How long from u applied the card?

Roughly around 1 month... applied since 23rd of Aug...