http://www.ocbccards.com.my/3DSecure/

Cash advance fee each time is 5% and interest is 18% p.a. compounded daily. Without knowing when you start the advance and when you repay in full, can't calculate the exact interest amount.

My Excel skills aren't good enough to create such a spreadsheet. But you can enter the same figures in the online calculators and get the same thing:

http://mycreditcardsolution.com/malaysia-c...est-calculator/

For reference, you can find some figures for HSBC here:

http://www.hsbc.com.my/1/2/personal-bankin...rd-fees-charges

Reread the sentence again, 20 days from statement date. That means as long as there is no carry forward balance, interest will not be charged if statement balance is paid in full 20 days from statement date. Transactions after statement date reflects on the next period.

Wrong thread. But anyway, you cannot withdraw money for this card.

If a bank does not want to open any Basic account, you have the right to ask for a letter stating the reason why and with the letter, you can then file a complaint with the Financial Mediation Bureau.

http://www.fmb.org.my/pc03.complaint.htm

This only applies to basic accounts because banks are required by BNM to open basic accounts for anyone who wants to have one. I think the bank can reject if you want to open more than one of the same type with them.

Refer here:
http://www.bankinginfo.com.my/_system/medi...ng_services.pdf

This post has been edited by charymsylyn: Sep 17 2010, 03:33 PM

At least you got some kind of response. Emailed my application on 19/8, checked through phone a week later and status is processing until today. When I asked the phone CS said can't see anything more from their end.

No, at least not for me. 5 weeks after submitting documents, I'm still in processing status. According to their CS, my docs are OK, just the CC dept have not decided whether want to approve me or not. :w

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Added on September 29, 2010, 10:42 pmYou can only see in the printed statement or online statement, M2U normal transactions will not show.

This post has been edited by charymsylyn: Sep 29 2010, 10:42 PM

DA MC is a points card but it has certain promotions which can provide rebates.

OCBC finally approved my Titanium application. Tried to call them to ask credit limit, etc but the wait on their phone reminds me of MBB.

The basic formula you want is at the back of your paper credit card statement. All MY banks basically use the same formula. The Wikipedia link below will give you a decent explanation.

In MY context, the most important point is that if you do not pay in full by last payment date, interest will be charged on daily compounded basis from transaction date till date of full payment. That means even if you paid e.g. 50% of your statement balance, interest will be charged AS IF YOU DID NOT PAY ANYTHING until the particular transaction has been fully settled.

If you have BT or cash advance, also note that different banks prioritise payments differently and thus interest charged might be different.

http://en.wikipedia.org/wiki/Credit_card_i..._interest_rates

Got my Titanium card today via Poslaju. Card design is not bad, impressed me as much as Amex Gold did. Credit limit for me is a bit less than CIMB but more than MBB. Will cancel MBB and Amex to save on coming GST.

Credit card.

Mine took 5 weeks after submission of documents and 3 business days after approval SMS for the card to reach my hands.

OCBC Titanium is not free for life, but with the rebate levels, 12 swipes a year isn't hard. EPF is just an indicator for income/salary. You can try to apply with a credit card with >RM7K credit limit at least a year old and see how they respond.

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Added on October 10, 2010, 9:36 pmYou can actually sign anything you want on the transaction slip, the transaction is still valid. But if they can prove that your card was used for the transaction and you didn't lose it, then you are liable for payment.

This post has been edited by charymsylyn: Oct 10 2010, 09:36 PM