given that my housing loan with ocbc has been approved, i have appealed against the rejection of my titanum, which wil take 8 days to process.

fingers crossed

6/9/2010 Submitted form via fax
21/9/2010 Received call from Credit Processing Team (a sweet voice lady) that my NRIC & cc photocopy were too dark, and was asked for clearer copies. I resubmitted the form via email given by her.
30/9/2010 Called OCBC Automated Self Service and was told application was successful!

This is my experience with OCBC

My application for HSBC Visa has been approved since 13th Sept and up to today only I receive the letter regarding my pin no. but it is stated that the CC will be delivered to me in 7 working days separately for security. Why is it so slow? Almost one mth dy (including the working days). Sigh!

Different banks, different policies. Plus it also depends on the petrol station who does the cc posting. Sometimes they wait till a few days for the posting. For MBB, likely the petrol station did the posting on the same day. (I have a friend who showed me how does MBB transactions can be posted on the same day coz he got a MBB cc terminal)

I got a question for everyone who ask the question about the holding period - does it really matter ?
1. Eventually the credit limit will be normalized.
2. The bank will charge the actual amount of petrol pumped into your car. I have never come across any claims that banks charge the users the RM200 instead of the actual amount.

Although the OCBC TI cc offer me the CL not so high, but it's much enough for me to spend.

4/10/2010 Received card. CL is surprisingly high. I heard many friends here said OCBC stingy on cc CL.

chemistry,
you applied through OCBC bank branch or booth near shopping mall?

Hi,

I applied via email.
cap@ocbc.com

I agree with you.
I am not a big spender and hence CL does not matter to me. I just wonder why OCBC treat me so good

Hi,

I applied via email.
cap@ocbc.com

how's the process? Fast?

from submitting to receiving the card, took about 2 weeks' time.

submit payslips and ic only?

I applied using NRIC and an existing cc with highest Credit Limit. My salary don't fulfill its income requirement, as such I dare not attach payslips

Me to received pin no and statement last 2 weeks but not yet get cc untill now. So call them and request them to sent to nearby branch but after one week still yet to get notify letter from them. Called them up this morning and they said will get back to me but no. Different bank from you. Any idea if not yet receive cc but received statement, is it we still have to pay the tax first? They said pay first before due date.

I remember I saw somewhere on interest calculation before but I couldn't find it now.
The recent interest charges I encounter seems a bit different.

Here's the Math question.
Interest rate: 17.5% p.a
Previous balance: RM105
4th: spent RM210
12th: spent RM325
23th: pay bank RM50
29th: pay bank RM500

Due Date: 23th

How much interest the bank should charge on 3th of next month?

Anyone can answer that?

For OCBC Titanium, when use it in Singapore is it comparable to paying by cash (currency exchange, admin charges & 1% rebate)? Are we eligible to OCBC promotions/discounts in SG?

Thanks.