I think is enough, however, better call ocbc.
Or just leave your phone no. on ocbc website, they will call u soon.

If you have any other credit card which you have held more than a year, it can help a lot.
For long time already I never used my payslip to apply for cc.

I'm the fist time apply the cc...
All documents needed.

Contact them through complaint form in ocbc.com.my website. Someone will call you... This happened when they are still processing my application till now (24/8 - received by them)

I remember I saw somewhere on interest calculation before but I couldn't find it now.
The recent interest charges I encounter seems a bit different.

Here's the Math question.
Interest rate: 17.5% p.a
Previous balance: RM105
4th: spent RM210
12th: spent RM325
23th: pay bank RM50
29th: pay bank RM500

Due Date: 23th

How much interest the bank should charge on 3th of next month?

Anyone can answer that?

RM50 is paid to the bank on due date and not spend it. Therefore the calculation is incorrect.
Any other calculation method based on daily interest?

i just received a call from bank.. rofl

They want more documents from me as they said my existing card is "NOT SUFFICIENT" for the application.

Can i refuse to give? They only said required 1 year old existing CC and now they want my 3 months statement and payslip

I ask so because some banks will waive it (normally the first time) if you question them how it is calculated. I tried before. They will tell you this and that but not really good explanation, then they will waive for you. I’m not encouraging it. Of course the best is always pay in full and never have outstanding balance, but sometimes you will need cash flow. So if you know how to calculate, you can better manage your finance. You will know how much it will charge if you don’t pay in full next time. Otherwise you will not feel the ‘pain’ of the interest charged and keep paying the minimum 5% everytime.

My point is not really want to calculate a particular interest for me (all are dummy data), I just wanna know how it is being calculated (method or formula) as I didn’t get the exact value, which means the formula used is not correct here. It’s good to know how it is being calculated.

Guys,

i wan to apply for CIMB card,
1. direct access
2. visa touch and go
3. petronas mastercard
which one should i take?

im looking for a card where i can get
-shopping discount/rebate
-free annual fees
-special offer for diner

please advice, first card XD