With the photocopied IC how can the activation pin arrive at their doorstep? If they try and use a fake address I should think the banks will be able to know since MyKad is supposed to be a smartcard (well maybe not a lot smart but I'm sure still a little bit smart notwithstanding Malaysia Boleh!) and the address is tied to it.

As such I think it should be safe to apply at those cc promotions at shopping compleses and supermarkets.

I'm not an expert on credit cards, but personally I won't do what you plan to do, especially for a mere few handred ringgit. It might damage your reputation with the banks. What if you need a loan in the future? What if the banks you said "bye bye" to come up with a great card in the future? Your future applications might be rejected and you'll be posting here wondering why.

Having a good relationship with the banks is importnat if you are an investor.

thanks miles, apparently i receive a CC without any submitting any documents. I thought it's secure card. I only a few k in the saving account from the bank.

It is popular amongst ppl who are aware of this card.
OCBC's marketing strategy really leaves a lot to be improved.
Some of my friends have not even heard of OCBC before! My Goodness.

In terms of prestige, OCBC does not lose out to other foreign banks.

In terms of prestige, OCBC does not lose out to other foreign banks.

Certain banks require me to sign up for their credit card or personal loan before allowing me to open a savings account with them.

wanna ask u guys opinion.
my keliq wants to use my name to apply for CC bcoz his name got blacklisted by BNM for being a guarantor for his fren. then his friend ffk n affects his name also.
shud i help him or not? any risk? i dont hv CC yet

How can that happen? Maybe you applied for the cc and forgot all about it and somehow the cc got lost in the mail so they are now charging you for the GST. I thought some of the users here mentioned that the cc can be activated even if it is sent to a fake address! Maybe some scammer has activated the cc on your behalf.

One you have signed the application form and submitted it, you have already agreed to accept the T&Cs.

i got a citibank gold card for a few yers already
credit limit is 30k

can request them upgrade my card to platinum?

If you do not have the intention to use the card and pay the RM50 service tax in advance, why did you apply for it in the first place? It will be a different story if it is a pre-approved card which you did not apply for.

Sent mine in on 2/9/10. Approximately 5 working days later, i received a text message from them asking me to resend a clear copy of my MyKad and existing credit card. I did what they requested. Faxed them everything requested. A few days later, the status was changed back to "under processing" in the morning. However, when i checked again at night, the status was change back to "waiting for pending documents"      Have not received any calls or text message from them since though.
CIMB Bank was having this MEPS IBG promotion but i think it had ended. Anyway, open a Basic Savings Account with them. Then you will be charged only RM0.50/IBG for the first 2 transfers done in a month.

exposure too high?

When did u apply for Titanum Card - before or after Matta Fair?

If after, the OCBC officer in charge of approval probably could see that u already have so many credit cards.

Too many cards = risky customer, even if your payment record is good. Unless u are a millionaire.

Let's say I'm the officer in charge of approving your card.

I see you already have 5 cards. I'll be suspicious why you need yet one more card? I'll  prefer to give "your" approval to someone else who has 0 to 2 cards, and are more likely to use the Titanium Card often.

In other words, your attempt to get 'free' RM300 by applying for many cards at the Matta Fair most probably cause your application to be rejected.

The platinum cards were approved probably cause the applications were made at the same time..

Don't be surprised that OCBC is very picky in choosing good customers now due to the overwhelming response to the relaunched Titanium card.

There are 2 parts to this :-

1) a CL is a fixed obligation on the bank's part, and limited in nature, so they must choose carefully to optimise their returns

2) its not how much you used but potentially how much you are worth, so do not be surprised if even your housing loan gets turn down due to over exposure issues

Hope that helps

Try to understand it this way. If you were to combine all your CL for all your cards ... what is the total CL ? That total CL is your risk exposure.
What is your income vs. your risk exposure ?  They will be in multiples right ? The higher your multiples, the higher your risk rating.
You being a good paymaster is just a factor but it wouldn't help you in this case.

You should have avoided applying for all cards @ the MATTA fair just because you will get money/gifts.
What everyone says is right ... OCBC is right now the hottest card. They will choose their customer and why not ?