QUOTE(de.crystal @ Sep 20 2010, 01:49 PM)
hmm was titanum application was rejected by OCBC (despite all my platinum applications were sucessful).
QUOTE(s@ni @ Sep 20 2010, 02:36 PM)
oh btw, i didnt even have any CC before, still rejected by OCBC. due to my unpaid leave for 2 weeks perhaps
any good agent to refer?
QUOTE(lj0000 @ Sep 24 2010, 01:09 PM)
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.
QUOTE(wongpeter @ Sep 24 2010, 01:24 PM)
I am not so sure that totalling the CL of all cc's owned thus establishing the quantum of risk is the criteria used to determine the eligibility for a cc. Income is without a doubt a huge determinant when applying for a cc. Perhaps other factors are equally as important as income and maybe someone in the banking or cc industry could shed some light on this matter of how and why cc applications are successful or declined.
QUOTE(tgeoklin @ Sep 24 2010, 01:17 PM)
Need to qualify that .... high CL should commensurate with your income/net worth
Been in the same spot but the difference was my Term Loan (to purchase a property) was denied and had to reduce the CL on one of my card to reduce my overall credit exposure
Looks like those of us (including me) who meet the eligibility criteria for OCBC Titanium MC but still fail in our application have to learn from travelyew - appeal by email to cap@ocbc.com and/or pledge FD? However, he did it before OCBC re-launched their Titanium MC. jack2 and Lara_, can share more? All the best chemistry and kons.
My application history for forumers' analysis:
1. 8 Sept 2010 - Application submitted by email to Lim Tiong Shing @ Johnson Lim <JohnsonLim@ocbc.com> of OCBC Credit Card Department, Unsecured Loans, Mobile: 012-3453683, Office: 03-27833072, Fax: 03-27111098. He telephoned me shortly after I indicated my interest by keying in my mobile at OCBC's website on 6.9.2010.
2. 9 Sept 2010 - Missed out EPF statement in previous day's email - duly forwarded to Johnson.
3. 13 Sept 2010 - Telephoned OCBC to make sure papers are in order. Customer Rep informed that my application is not yet in the system but they will check, she asked for their staff name and my personal details.
4. 18 Sept 2010 - OCBC Customer Rep telephoned to inform that account created - application however is pending recommendation? (not sure). She also added that according to their system, the deadline for OCBC to decide on my application is 24.9.2010.
5. 22 Sept 2010 - Telephoned OCBC to find out status. Still pending approval.
6. 23 Sept 2010 - OCBC Customer Rep telephoned in the evening that application declined by management - reason not known from system.
Also told that I should re-apply AFTER 6 months as otherwise automatically rejected by system.
7. 24 Sept 2010 - Appeal?
QUOTE(ubuntu @ Sep 21 2010, 12:00 PM)
Hi LYN forumers out there, did you guys see any OCBC promotion booth at any shopping mall or hypermarket? Please inform me if there is. TQ.
If I recall correctly, someone mentioned seeing OCBC booth at 1Utama on 18/19 Sept. Seems that there should be a booth at Fahrenheit 88 as there were many OCBC Titanium buntings (which mentioned free gift) although I could not locate it.
Sep 23 2010, 01:48 PM
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