Ai…guess what? Today I called CS and they gimme a different answer.
- Auto billing only entitled for 1% rebate (Same as yesterday but different from 2 weeks ago)
- Online bill payment entitled for 5% rebate (This is different from yesterday)

Now I’m waiting for their email reply for official black and white confirmation. I guess their terms and condition also make them blur blur. We need a lawyer here

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Added on September 24, 2010, 1:14 pmMaybe they wanna offer you the platinum card since you have high CL?

Somehow they will see whether you have a good repayment history (do you miss any due date before?). They may check the CCRIS if you are holding many cards I guess.

This post has been edited by ck3lam: Sep 24 2010, 02:11 PM

Need to qualify that .... high CL should commensurate with your income/net worth

Been in the same spot but the difference was my Term Loan (to purchase a property) was denied and had to reduce the CL on one of my card to reduce my overall credit exposure

I am not so sure that totalling the CL of all cc's owned thus establishing the quantum of risk is the criteria used to determine the eligibility for a cc. Income is without a doubt a huge determinant when applying for a cc. Perhaps other factors are equally as important as income and maybe someone in the banking or cc industry could shed some light on this matter of how and why cc applications are successful or declined.

But not many hospital accept amex for the payment.
2% cash rebate is out of my mind.

mayb all pantai hospital accepted.........

Just wait for somebody paid with the auto-billing to know the answer.

Anyone know what does yearly facility charges means?/ i find out that only Islamic credit cards has this

Looks like those of us (including me) who meet the eligibility criteria for OCBC Titanium MC but still fail in our application have to learn from travelyew - appeal by email to cap@ocbc.com and/or pledge FD? However, he did it before OCBC re-launched their Titanium MC. jack2 and Lara_, can share more? All the best chemistry and kons.


My application history for forumers' analysis:

1. 8 Sept 2010 - Application submitted by email to Lim Tiong Shing @ Johnson Lim <JohnsonLim@ocbc.com> of OCBC Credit Card Department, Unsecured Loans, Mobile: 012-3453683, Office: 03-27833072, Fax: 03-27111098. He telephoned me shortly after I indicated my interest by keying in my mobile at OCBC's website on 6.9.2010.

2. 9 Sept 2010 - Missed out EPF statement in previous day's email - duly forwarded to Johnson.

3. 13 Sept 2010 - Telephoned OCBC to make sure papers are in order. Customer Rep informed that my application is not yet in the system but they will check, she asked for their staff name and my personal details.

4. 18 Sept 2010 - OCBC Customer Rep telephoned to inform that account created - application however is pending recommendation? (not sure). She also added that according to their system, the deadline for OCBC to decide on my application is 24.9.2010.

5. 22 Sept 2010 - Telephoned OCBC to find out status. Still pending approval.

6. 23 Sept 2010 - OCBC Customer Rep telephoned in the evening that application declined by management - reason not known from system. Also told that I should re-apply AFTER 6 months as otherwise automatically rejected by system.

7. 24 Sept 2010 - Appeal?


If I recall correctly, someone mentioned seeing OCBC booth at 1Utama on 18/19 Sept. Seems that there should be a booth at Fahrenheit 88 as there were many OCBC Titanium buntings (which mentioned free gift) although I could not locate it.

- nvm -

This post has been edited by leongal: Sep 24 2010, 03:17 PM

My application date is almost the same as yours.
OCBC just call and check with my company whether I'm really working here.
Right now I still don't know if my application has been rejected.
Shall check with them in October.

I also used my HSBC credit card as reference. RM30k really is enough for HSBC credit card apparently. Anyway, they still asked for my income document. Age is the problem here. It will be a few more year before i reach my mid-20s. Told them i am just a student. Therefore, i won't be able to to give them my income document. They asked me if i have any FD with them but unfortunately i do not have any. So i asked them to cancel my application. Might try again when the opportunity comes next time


Now we all know age might play a role as well


Most major hospitals do accept AMEX.


There are four escalators on each floor. Two going up and the other two going down. You have to walk near the end of the mall. The booth is next the second escalator. And regarding the mall, there isn't any interesting shop inside

This post has been edited by MilesAndMore: Sep 24 2010, 03:44 PM

Actually, age is only a factor if you are below the legal age. For your case, its because of income/net worth. If you are say, a CEO of your own company or has substantial FDs with them, then guaranteed approved. Had a friend, already owning multiple plat cards even as a student as he has millions in FDs (that time, no WMC or VI)

And yes, agreed with you, the only thing hot about the Mall is in its name

They MUST accept if not why they partner with AMEX. Not making sense right?

for ocbc titanium, what is the cl like? can they match my citibank cl if i have rm30k?
can just walk in the branch and apply?

i a bit fedup with PB cc because the limit is only 10k and calling the cs so many times cannot get thru.

This post has been edited by samquah: Sep 24 2010, 04:56 PM

sure can walk in and apply...

will the offer a good cl? or match the citibank cl i have??

what about cimb? can they give a good cl?

why i am asking? because i have a credit of almost 28K which i want to transfer to other cc and do installment plan instead of taking personal loan to pay up.

You mean you have outstanding of RM28K, right?

My SCB JustOne cc has hit the maximum annual cash back limit today. It is time to put this cc in cold storage for another 10 more months again.

yes

so care to advise?

Balance transfer would only offer you a short brief of between 3 to 6 months but if your income is still adequate to pay them off, first thing you need to do is cut off the card and bite the bullet. If not, then AKPK is the next best option

This post has been edited by tgeoklin: Sep 24 2010, 06:08 PM