DirectAccess cards are recommended for fresh grads.
If I recall correctly, my first DA card CL was already 12k. However, despite higher-than-average CL, I didn't need that much credit though.

Maybank, Pre Approved basis because salary credited to bank account with them.

Wow RM 10k limit from MBB with monthly salary of RM 2.5k. I remembered MBB didn't give me that when I got my first CC from MBB with that level of salary 3 to 4 years ago.

well, my current SCB is 9x my monthly salary

This post has been edited by alexwsk: Oct 16 2010, 08:57 PM

i think their policy in granting cl is not how much you declare lo declare then give only la.. if like that a 2k fellow declare 10k/month then impossible the bank also give 30k cl ma just because he is clean.. a big no lo... they normally have min cl for a card and if higher then will base on the old card one lo

not just declare. I have submitted the documents that is require for Tax. forgot what it's called already. So based on that documents my average monthly income is 8k.

but you earn 8k per month but limit only 5k? that is lower than your income wei.. got so weird one mehh.. your income can apply for plat card le but your limit is like classic card wo..

That is the problem, i am not sure why the give the 5k limit. Even my Company current account is with them so they know about everything.

Could it be caused by heavy credit burden in your CCRIS profile?
How much car loan/home loan are you taking?

currently i am taking a shop loan around 400k. Could this be the reason?

this won't affect much if this is your only loan, since your income can cope with monthly installment easily.

How does one decide if he/she needs another credit card or not?
I have a SCB JustOne.
Going to cancel my HSBC Gold.
The OCBC titanium looks good. I don't know if I'll benefit from the card or not considering I already have SCB JustOne.

I have a feeling my friend's case comes with very strong recommendation from the branch manager. her portfolio with maybank nothing much but her family banks with maybank big time. so maybe the branch manager makes the recommendation based on the fact of her background etc. by the way, the gave her three cards - mastercard gold, american express gold credit card these both combined CL 10k and american express green charge card.

you're right maybank is known to be stingy when it comes to CL.

This post has been edited by rockefeller: Oct 17 2010, 12:36 AM

Alex, me too! Coincidence?

I am not aware that SCB offers such a higher CL ratio. Mine is 3.5x my monthly salary, while my OCBC Titanium's CL is 2.5x. My SCB's CL was used to be my highest CL before I obtained DA VI.


Although SCB JustOne Titanium is a great card, the cash back per annum is capped at RM600. It would be better to get another card such as OCBC Titanium as a back up, in the event that the cashiers fail to swipe your SCB JustOne Titanium. We had experienced some problems when teaching the cashiers to select "credit" function to perform a transaction.

As for my case, my SCB JustOne Titanium had already hit the annual cash back limit last month. Therefore, I need other cards like OCBC Titanium (mainly for dining, grocery, utilities and petrol expenses) and SCB World MC (x2 choice points and discounted points requirement for redemption) to perform my transactions.

Good point. I had thought of this too. But in my case, I didn't max out my SCB JustOne rebates last year. I spend very little. Maybe I don't need OCBC Titanium after all. Don't need to incur another RM50 service tax.

hi guys,

is SCB still doing the RM88 cash rebate for Gold Visa & MasterCard upon approval?

There's a possibility that the OCBC Titanium may suffer like JustOne ... read overwhelming response and then no longer open for application. So ... while it is open for application do consider it. That's why a lot of the folks here apply for this card ... including myself though I took longer to decide than usual.

Similar to mine too.. I wonder if they will lower it if I didn't use it within the year. I got it for the FREE cash.

Just received my OCBC statement

Merchants entitled for 5% Cash Rebate (additional to previous list)
- Maxis payment via E-Billing website
- Carrefour Sri Petaling
- Dragon-i Restaurant
- Esquire Kitchen
- Petronas

Merchants entitled for 1% Cash Rebate (additional to previous list)
- Tickets via AirAsia
- Guardian
- Touch N Go Hub KL Sentral
- MPH

Update on how to calculate your respective OCBC Titanium rebates
1. Add all transaction's EXACT amount together
2. Round-down the figure
3. Multiply by the rebate (5% or 1%)