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 Credit Card v11

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ronnie
post Aug 31 2010, 11:05 AM

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QUOTE(haoching @ Aug 31 2010, 10:59 AM)
which link mentioned free cashback of RM188? interested to apply 1...
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Saw the banner over at the SCB booth at 1Utama New Wing (opposite Jack's Place).
ronnie
post Sep 1 2010, 11:25 PM

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OCBC seem to be too 'stringent' to give out their CC....
ronnie
post Sep 2 2010, 10:16 AM

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It seem that OCBC cannot check the Credit Limit of existing AMEX CC...
ronnie
post Sep 2 2010, 12:19 PM

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QUOTE(Dannyl @ Sep 2 2010, 12:12 PM)
When you apply for a new card and enclose information on an existing owned card, what can the applied bank see from the existing card?  Brief info like credit limit, or detailed info like transactions, payments, etc?
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I guess Credit Limit and how clean your record is when using the CC.
They won't see detailed transactions.
ronnie
post Sep 3 2010, 09:19 AM

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winner : Thru fax or at branch ?

QUOTE
I sent my application on 20/8 and it has just been approved on 1/9 when I checked the status via OCBC self service hotline.
ronnie
post Sep 4 2010, 12:51 AM

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QUOTE(exentric_nova @ Sep 3 2010, 11:17 PM)
The RM2 Service Fee correct? Well that's a lot better than having to drive all the way to KL just to make the payments. Thanks!
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Issue a cheque and mail it to them is still cheaper.
That's why we should choose credit card whose banks are around your home work place ;-) to save petrol.
ronnie
post Sep 5 2010, 01:40 AM

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QUOTE(MilesAndMore @ Sep 5 2010, 12:55 AM)
Regarding the cheque deposit machine, Public Bank and HSBC are the only two banks in Malaysia using strictly only the one with image scanning capability. If i'm not mistaken, EON Bank is also using only this kind of machine too but i am not very sure. Banks such as Maybank and CIMB Bank are using both the ancient one and the advanced one with image scanning capability.
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Maybank, CIMB & Alliance cheque deposit machines can also do scanning of cheques.
ronnie
post Sep 6 2010, 12:08 AM

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QUOTE(jonuslee @ Sep 5 2010, 03:35 PM)
hi. guys. I got one question here. let say if the  principal card and supplementary card account is separate. if the cc statement state that principal is RM5.40 CR and the supplementary is RM146.60 and  the CC bill statement show the total current balance as 141.20. SO the supplementary pay total of RM145.00 since the principal card user din spend anything.But when the next statement come the RM5.40 is credited to the principal account while the supplementary still have the balance of RM1.60( since only pay RM145.00 previously since statement show total balance is only RM141.20) but i din see any late payment charge. Can anyone explain to me why? kind of blur.
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Always pay the amount based on each card's outstanding amount.
Principal don't need to pay as the bank owe you RM5.40 as Credit.
Supplementary card need to pay exactly per card balance (don't lump it as one with the RM5.40 above).

It was your mistake to pay RM145.00 for the supplementary in the first place.
The Supplementary balance was RM146.60. Thus now you owe the bank RM1.60 on the supplementary card. To use the RM5.40 credit for the supplementary account, you need to call the bank or cancel both cards.

The total current balance as 141.20 on statement is not useful and confusing.
Learn to read CC statement carefully. icon_rolleyes.gif


ronnie
post Sep 6 2010, 09:38 AM

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QUOTE(chemistry @ Sep 6 2010, 12:49 AM)
Not really.
I can use one single cheque to settle my principal card and two supp cards at its Cheque Deposit Terminal.
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One single cheque but multiple card account must be specified (behind the cheque) and during entering into Cheque Deposit machine (with scanning)
Cash payment also need to specify individual card account.

This post has been edited by ronnie: Sep 6 2010, 09:39 AM
ronnie
post Sep 6 2010, 11:00 PM

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QUOTE(nokia2003 @ Sep 6 2010, 05:35 PM)
hi guys.

i'm keen on the OCBC bank titanium mastercard.

but just out of curiosity, will automated machines (like those found in self service petrol kiosks, TM payment points et cetera) be able to accept such an oddly or rather weirdly shaped card?

reading further into their T&C,
now, how on earth do we get these MCC codes?
thanks guys!
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The odd shape in the right side. So it's still ok to be inserted into credit card machines
ronnie
post Sep 6 2010, 11:05 PM

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QUOTE(Veda @ Sep 6 2010, 08:54 PM)
2. Can credit card bill payment be made at Pos Malaysia counters? I especially want to know with regards to OCBC and Maybank cards.
Which bank's credit card can we pay at Post Offices ? BSN ?
ronnie
post Sep 7 2010, 01:39 PM

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QUOTE(gerrardling @ Sep 7 2010, 11:02 AM)
guys, what is so good about ocbc titanium cc ? talking about cashback, citibank got better offer than them.
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The only drawback is OCBC's Cashback is limited to RM100 (until 31 Dec 2010)/RM50 (from 1 Jan 2011 onwards), while Citibank's is unlimited.

BUT Citbank's cashback bad points :-
- 0.3% on other retail purchases
- Cash rebate shall be credited into your account when the accumulated cash rebate for a particular month reaches RM50, otherwise the cash back will be carried forward to the next month.
- The amount of cash rebate which may be awarded to you in the period of one month for petrol spend shall be subject to the maximum limit of RM30

ronnie
post Sep 7 2010, 10:05 PM

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QUOTE(winner @ Sep 7 2010, 09:34 PM)
Finally, I received the brand new OCBC Titanium MC today by snail mail. biggrin.gif
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Mine should have been sent out today.... let's see how fast the snail is.
ronnie
post Sep 7 2010, 11:02 PM

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QUOTE(jack2 @ Sep 7 2010, 10:47 PM)
Yours one have been approved?
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Of course approved... it's better to check with the CS in person than thru IVR.
My IVR status was Under Processing, but CS confirm the card was approved.
ronnie
post Sep 7 2010, 11:52 PM

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QUOTE(jack2 @ Sep 7 2010, 11:06 PM)
No wonder. My status is still under processing. WHen did you submit it? Through JOhnson by the email i given u?
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Submit via fax via their online form... some delay due to un-clear IC copy...and OCBC don't check their cap@ocbc.com email.
ronnie
post Sep 8 2010, 02:54 PM

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simonhtz: Definitely give OCBC Titanium a try which will waive the GST and annual fee if achieve the minimum swipes and spending
ronnie
post Sep 10 2010, 12:55 AM

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OCBC Titanium card finally received.
1. Approval completed on 3 Sep 2010
2. Card send out on 7 Sep 2010
3. Card received on 9 Sep 2010 (via snail mail... kudos to the Pos Malaysia)
ronnie
post Sep 11 2010, 12:40 PM

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QUOTE(cenkudu @ Sep 11 2010, 09:07 AM)
if I have received a credit card on  17 September and the card statement date is 15 september does it means I need to pay for the tax on 5 September? or 5th  October?
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Was there a typo ??? 15th or 5th ?
Receive date of the card physically doesn't matter.

Check the date on the letter which came with the CC "sticked on"
The RM50 will be charged on the card approval date (which is usually the statement date)
ronnie
post Sep 13 2010, 11:38 AM

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FYI, the OCBC Titanium rebate is credited on the same date as posting date of the transaction... nice ;-)

Do you think we can get the RM50 GST waive if we spend RM10,000 before 31 Dec 2010 ? or Does the spending of RM10k is only valide for next year's GST ?
ronnie
post Sep 13 2010, 11:40 AM

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QUOTE(kelvinlee1983 @ Sep 12 2010, 07:04 PM)
why you got ipod?
recently also apply for scb, share with me how u get it?
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The promo ended on 31 August 2010...
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