Don't worry.
There was a time I forgot payment (due date 1st of each month) until the next statement arrived (11th of each month) and stated 'LATE PAYMENT + FINANCE CHARGE'. I quickly call the customer service and plead for a reversal. They agreed! And I was so grateful.

My experience was 10days late and still I was saved. So you must not give up

Go back to the bank that offered u HomeLoan and AutoFinance, maybe they can help you.

Those are not card feature but temporary promotions.
Now is September, just 3 months away from year-end.
What would you do if the bank don't wish to extend the promo?

Where did u grad from?
If you hold any qualification of the following institution, you may get a Platinum.


ACCA Malaysia Sdn Bhd (ACCA)
Actuarial Society of Malaysia (ASM)
Alumni Universiti Sains Malaysia (AUSM)
Bar Council Malaysia (BAR)
Chartered Tax Institute of Malaysia (CTIM)
Financial Planning Association of Malaysia (FPAM)
Institute of Chartered Accountants England and Wales (ICAEW)
Institution of Engineers, Malaysia (IEM)
Malaysian Dental Association (MDA)
Malaysian Institute of Accountants (MIA)
Malaysian Institute of Chartered Secretaries and Administrators (MAICSA)
Malaysian Medical Association (MMA)
Persatuan Alumni Universiti Putra Malaysia (PAUPM)
The Institution of Surveyors, Malaysia (ISM)
Universiti Teknologi Malaysia Alumni (UTMA)
Universiti Tun Hussein Onn Malaysia Alumni Association (UTHMa)
Institute of Internal Auditors, Malaysia (IIAM)
Malaysian Airlines Pilots Association (MAPA)
Malaysian Institute of Certified Public Accountants (MICPA)
Malaysian Institute of Human Resource Management (MIHRM)
Nutrition Society of Malaysia (NSM)
Persatuan Alumni Doktor USM (PADU)
Persatuan Alumni Universiti Malaya (PAUM)
Technological Association of Malaysia (TAM)
The Association of International Accountants (AIA)
The Chartered Institute of Logistics and Transport, Malaysia (CILT)
The Incorporated Society of Planters (ISP)

My DA card is about due for GST. I asked for an upgrade from Gold to Platinum, without producing any proof of income. And the bank approved!

 mcc_booklet.pdf ( 830.18k ) Number of downloads: 782

Please refer to the attached booklet.
MCC code is a numeric merchant classification code that identifies a merchant based on the type of business they conduct and the transactions they process.

sorry pal, you have to pay that RM50 GST once a credit card is approved, regardless of activation status.

if the bank is willing to absorb , then don't bother lor

I also haven't hit 3k requirement. I used my existing cc (4 years old) to back my application.
If the application is rejected, I can only accept their decision.

18k. Hopefully it helps.

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.

I too went to HLB to convert my savings acc to basic type, just wanna avoid that RM8 annual fee.
If I need to perform more than two IBG trxns in a month, I still have my CIMB Basic savings acc as backup.
RM2 is just too expensive

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Added on September 16, 2010, 12:25 pmDue to low profile in Malaysia many our citizens do not realize how 'big' OCBC is. Perhaps the most they know is the number of branches in Malaysia.

This post has been edited by chemistry: Sep 16 2010, 12:25 PM

FYI. According to BNM, merchants are not allowed to impose surcharge on customers who wish to pay by credit card. Please read my attachment.
http://forum.lowyat.net/index.php?act=Atta...post&id=1738566

Competitions are stiff in LYplaza. Perhaps they squeeze their profit margin to the maximum in order to offer the best price.
Depends on the situation lor. If the price after adding 2% is still cheaper than other shop, then go for it.

I bet most merchants dare not to put an item "credit card surcharge" in the bill because they know they'll get penalty if customers go to complain.

I think most banks are now striving their best to approve as many cards as they can, before Ministry of Finance announces more stringent guidelines pertaining to cc.

I have been using DA cards for over three years. Their cash rebate programs are always in place, but the participating merchants may change from time to time.

just a few cents, dont care lar
5% rebate is unbeatable already.

It's sad that ocbc online banking don't allow bill payment using credit cards. The only way to earn your rebate is to make it an auto-pay.

Most banks have prepared an appropriate form for Autopay purpose. All utilities in one form, very convenient.

TNB makes up the biggest portion of my expenditure, sadly TNB website does not accept credit card payment. The only way is autopay.

Not necessarily.

I might be wrong. I am the CC holder but I filled with biller name (not me), and things went smoothly.

i suppose so.
Anyway, even though the autopay application was processed without a problem, that did not mean all things were done correctly. Because it is TNB, nothing is impossible, no mistake cannot be made.