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 Credit Card v11

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lj0000
post Aug 28 2010, 04:31 PM

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just curious... why is everyone going for higher credit limit?

ocbc - from the t&c the 5% is oni for aug-dec. after that is 1%, is it true?
lj0000
post Aug 28 2010, 05:03 PM

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QUOTE(SeanChang @ Aug 28 2010, 04:38 PM)
are u talking about ocbc titanium?
Aug - Dec 2010 max cash bash cap = RM100
Jan 2011 onwards = RM50
no changes on the cash back rate
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if thats the case... a bit regret getting citi instead of ocbc liao sad.gif

if calculate based on citi, i can get about rm30 per month

if calculate on ocbc, will get rm60 and above!, though capped at 50 later on.
lj0000
post Sep 7 2010, 11:32 PM

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QUOTE(LOOOOOOL @ Sep 7 2010, 11:29 PM)
haiz...new cc user here. already reject by 2 bank, and dn even knw wats the reason.
i gona try maybank. if they reject me...........................................
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try the smallest bank and the biggest bank
i.e. bank islam/alraji and also citi/ocbc
lj0000
post Sep 14 2010, 11:16 AM

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if want to apply cc, better do fast before bank negara tighten the criteria

i think better not apply ocbc over the internet inquiry website. the staff is not motivated, dont keep promise

any agents here?

This post has been edited by lj0000: Sep 14 2010, 11:33 AM
lj0000
post Sep 14 2010, 02:04 PM

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anyone can help with ocbc applications?
lj0000
post Sep 14 2010, 02:33 PM

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they ask me to write snail mail to:

card application processing dept
level 14 menara ocbc
no18 jalan tun perak
50050 KL

omg.. in this era still got people use snail mail...
fax/email not acceptable!!
lj0000
post Sep 14 2010, 02:44 PM

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QUOTE(de.crystal @ Sep 14 2010, 02:38 PM)
cant be what.  it is clearly stated in the form that, application to be submitted via fax.
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yes. in order to check the cause of failure
lj0000
post Sep 14 2010, 03:21 PM

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strange.. i got platinum card from citi without any problem and failed on a titanium. maybe titanium>platinum

Added on September 14, 2010, 3:22 pm
QUOTE(de.crystal @ Sep 14 2010, 03:19 PM)
hur?  i dont get u
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in order to know what is the cause of declined.

This post has been edited by lj0000: Sep 14 2010, 03:22 PM
lj0000
post Sep 14 2010, 04:27 PM

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QUOTE(J-Slade @ Sep 14 2010, 04:18 PM)
Guys I have two questions, hope someone can clarify for me...

1) Is it considered a wrong move to make payment early? Like I make payment immediately on the day the statement come out. Cos credit card is mean to enjoy interest free period right? But what if I make payment early? Will they think I am wasting their time?

2) Can the statement/cut off date be changed? Because currently its not really a nice date for me to settle the bill  sad.gif
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1- correct if u want a peace of mind. no risk of latepayment. wrong if u want to save money. for example, those taking housing loan thats calculated daily interest. rm1 in account means less interest payable.

2. yes. most of the bank can do that. best to put it near ur payday.
lj0000
post Sep 14 2010, 04:56 PM

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citibank got 3 dates to choose, if not mistaken. originally mine is mid of month now change to begining of month
lj0000
post Sep 15 2010, 03:32 PM

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there are crooked agents before. use ur info to register another cc. thats y its important to cross out the photocopy and write which bank, which card
lj0000
post Sep 15 2010, 03:39 PM

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QUOTE(Moolah @ Sep 15 2010, 03:37 PM)
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.
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Can't agree more!
lj0000
post Sep 15 2010, 03:49 PM

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the address can change.
lj0000
post Sep 24 2010, 01:09 PM

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i failed my ocbc titanium i think because i got too high credit limit on other cards. they would total up my credit limit from other bank and then compare the risk of me maxing out all the cards.

so.. moral of the story is.. high CL not necessary good esp if u have multiple card.
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