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 Credit Card v12, Credit card GST remains....

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zenquix
post Oct 29 2010, 11:24 AM

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QUOTE(ck3lam @ Oct 29 2010, 08:43 AM)
How would you explain the maximum RM600+RM120 rebate during the promotion as stated in the T&C? If only RM50 max for this statement, impossible they claim you can get the total rebate for the promotion period.
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QUOTE(ronnie @ Oct 29 2010, 09:16 AM)
Where do you find the RM600+RM120 in the T&C ?
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Yeah the same question as Ronnie....

I only recall seeing "marketing material" of rebates up to RM600 for 2010 and not RM720. As we know now that the rebates are calculated based on statement dates i.e. people with new card in August and statement date in September got only RM120 (and not RM120 for August and RM120 Sept). It is my opinion that the chances are slim for a statement in Jan 2011 to get RM120 in rebates as people with various statements dates in January will claim to be eligible (like late Jan 2011?).

Now if you have gotten the card early Aug (before statement date Aug 15?), then yes maybe you can get RM600 in rebates. I only expect to get up to RM480 in rebates.

T&C link http://www.ocbccards.com.my/titaniumRebates_tncEN.aspx

RM600 from Aug 1 to Dec 31 2010.

This post has been edited by zenquix: Oct 29 2010, 11:29 AM
erry-
post Oct 29 2010, 11:35 AM

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QUOTE(ck3lam @ Oct 29 2010, 08:43 AM)
How would you explain the maximum RM600+RM120 rebate during the promotion as stated in the T&C? If only RM50 max for this statement, impossible they claim you can get the total rebate for the promotion period.
*


here.

ocbc capped the rebates for rm50 montly.
but from last august till this december the capped had been increased to rm120.
so, if u do have the card from august (apply on july or already owned it), then:

aug+sep+oct+nov+dec = 5 months.
5 months x rm120/month = rm600.

got it?

then, starting jan next year, it will be normal rm50 again.

for me (i wish), ocbc should give max rm120 rebates for transaction untill 31/12/2010, as the advertised.

let say statement date is 15-jan-2011. so the bill is transcation from 16-dec-2010 to 15-jan-2011.
transaction from 16-dec-2010 till 31-dec-2010 should received rebates max rm120,
while transaction from 1-jan-2011 till 15-jan-2011 get rebates max rm50.

sweat.gif
zenquix
post Oct 29 2010, 11:52 AM

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QUOTE(erry- @ Oct 29 2010, 11:35 AM)
for me (i wish), ocbc should give max rm120 rebates for transaction untill 31/12/2010, as the advertised.

let say statement date is 15-jan-2011. so the bill is transcation from 16-dec-2010 to 15-jan-2011.
transaction from 16-dec-2010 till 31-dec-2010 should received rebates max rm120,
while transaction from 1-jan-2011 till 15-jan-2011 get rebates max rm50.

sweat.gif
*
haha how we wish... but cannot la... nanti a new argument of RM120 + RM50 = RM170 rebate pula
ck3lam
post Oct 29 2010, 12:54 PM

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QUOTE(ronnie @ Oct 29 2010, 09:16 AM)
Where do you find the RM600+RM120 in the T&C ?
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QUOTE(zenquix @ Oct 29 2010, 11:24 AM)
Yeah the same question as Ronnie....

I only recall seeing "marketing material" of rebates up to RM600 for 2010 and not RM720. As we know now that the rebates are calculated based on statement dates i.e. people with new card in August and statement date in September got only RM120 (and not RM120 for August and RM120 Sept). It is my opinion that the chances are slim for a statement in Jan 2011 to get RM120 in rebates as people with various statements dates in January will claim to be eligible (like late Jan 2011?).

Now if you have gotten the card early Aug (before statement date Aug 15?), then yes maybe you can get RM600 in rebates. I only expect to get up to RM480 in rebates.

T&C link http://www.ocbccards.com.my/titaniumRebates_tncEN.aspx

RM600 from Aug 1 to Dec 31 2010.
*
It’s over here and also in your FAQ/T&C hardcopy comes together with your card.
Definitely for each statement the max rebate is RM120 during the promotion period. Spending during 16 Dec ~ 31 Dec can be arguable. So which is why in my previous post I mention a possibility which I try to find a balance between these two.

QUOTE(erry- @ Oct 29 2010, 11:35 AM)
here.

ocbc capped the rebates for rm50 montly.
but from last august till this december the capped had been increased to rm120.
so, if u do have the card from august (apply on july or already owned it), then:

aug+sep+oct+nov+dec = 5 months.
5 months x rm120/month = rm600.

got it?

then, starting jan next year, it will be normal rm50 again.
*

This is also what I assume when I first get the card last time.

QUOTE(erry- @ Oct 29 2010, 11:35 AM)
for me (i wish), ocbc should give max rm120 rebates for transaction untill 31/12/2010, as the advertised.

let say statement date is 15-jan-2011. so the bill is transcation from 16-dec-2010 to 15-jan-2011.
transaction from 16-dec-2010 till 31-dec-2010 should received rebates max rm120,
while transaction from 1-jan-2011 till 15-jan-2011 get rebates max rm50.

sweat.gif
*
If those CC holder statement is early of the month, sure they will complaint OCBC why they didn't get the full rebate as advertised during Dec spending in the Jan statement, getting RM50 max for spending during Dec can raise a big complaint in customer service (not good for the bank), but they cannot give RM120 rebate for Jan spending. Then it will be unfair to those who get the card on Jan. So they must have a balance between these two. See my previous post.

QUOTE(zenquix @ Oct 29 2010, 11:52 AM)
haha how we wish... but cannot la... nanti a new argument of RM120 + RM50 = RM170 rebate pula
*
They have already mention max is RM120 during promotion period, so unlikely they will give you higher than that.

This post has been edited by ck3lam: Oct 29 2010, 01:05 PM
leozai
post Oct 29 2010, 02:54 PM

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QUOTE(jtcs87 @ Oct 29 2010, 09:50 AM)
My CIMB cc application still under progress, hope it will be approved..
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when u apply?
SeanChang
post Oct 29 2010, 03:00 PM

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As my Alliance cc was charged RM50 gst on 19/10/10.
i casually call cs at 2pm just now to ask for gst waiver,
cs told me that after min RM300 retail spend then call back to ask for waiver & RM50 would be credited on the next statement smile.gif
kanethesun
post Oct 29 2010, 03:02 PM

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any EON Bank card holder receive call from AIA?
regarding the exclusive insurance policy for EON Bank card holder?
rickkywong
post Oct 29 2010, 03:17 PM

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QUOTE(SeanChang @ Oct 29 2010, 03:00 PM)
As my Alliance cc was charged RM50 gst on 19/10/10.
i casually call cs at 2pm just now to ask for gst waiver,
cs told me that after min RM300 retail spend then call back to ask for waiver & RM50 would be credited on the next statement smile.gif
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anybody else can share with us, which bank we can call up to ask for GST waiver beside Alliance?
well, it's time to let all members know about this issue.... rclxms.gif

FYI, i just terminate my MBF classic card 3 weeks ago (member since 97), they call me 2 days ago to offer upgrade to Gold card and it's FREE for life including annual fees AND GST (without need to call up) thumbup.gif and i still reject them for the offer.... rclxms.gif


Added on October 29, 2010, 3:25 pm
QUOTE(kanethesun @ Oct 29 2010, 03:02 PM)
any EON Bank card holder receive call from AIA?
regarding the exclusive insurance policy for EON Bank card holder?
*
when i was holding MBF card, i received several calls from insurance company call center offering special/exclusive PA policy for MBF card members ONLY (that's what they said whereby i don't think so) whistling.gif


Added on October 29, 2010, 3:29 pm
QUOTE(Ah hao @ Oct 29 2010, 01:23 AM)
another latest info:
AirAsia online booking payment via credit/debit card Convenience Fee has been increase from RM5 to RM6 (so bad). vmad.gif I just find out when i make a booking 3 hours ago..

This post has been edited by rickkywong: Oct 29 2010, 03:30 PM
tzeling
post Oct 29 2010, 03:30 PM

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QUOTE(tzeling @ Oct 28 2010, 07:33 PM)
I just got my HSBC Visa CC last mth and I've got my 1st statement this month. I paid the full payment with extra rm60 (i intended to pay exta rm50 for the govt fee actually) would like to ask how come the RM50 Govt tax does not appear on the statement, I thought they suppose to charge on the 1st statement or isit they charge it on the 2nd mth or 1st year anni? I am confused...
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Anyone could answer me pls?
dany06
post Oct 29 2010, 03:42 PM

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is it a good sign when ocbc agent call the office to verify the requestor? because i submitted my application with payslip and my salary is lower than min requirement. so if they want to reject me based on salary, then why call my office at 1st place?
rickkywong
post Oct 29 2010, 04:06 PM

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QUOTE(dany06 @ Oct 29 2010, 03:42 PM)
is it a good sign when ocbc agent call the office to verify the requestor? because i submitted my application with payslip and my salary is lower than min requirement. so if they want to reject me based on salary, then why call my office at 1st place?
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you already almost answer your own question. rclxub.gif
Answer is = Good sign rclxm9.gif (still got hope but no guarantee) icon_rolleyes.gif
luqmanz
post Oct 29 2010, 04:09 PM

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QUOTE(dany06 @ Oct 29 2010, 03:42 PM)
is it a good sign when ocbc agent call the office to verify the requestor? because i submitted my application with payslip and my salary is lower than min requirement. so if they want to reject me based on salary, then why call my office at 1st place?
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Thats a standard operating procedure ... but its good laa at least they are considering u ...
rickkywong
post Oct 29 2010, 04:11 PM

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QUOTE(tzeling @ Oct 29 2010, 03:30 PM)
Anyone could answer me pls?
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Since there's no HSBC cc new member here to answer your urgent question, i think it's best you call the CS icon_question.gif (pls refer to the phone number located behind your cc)
dany06
post Oct 29 2010, 04:16 PM

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QUOTE(luqmanz @ Oct 29 2010, 04:09 PM)
Thats a standard operating procedure ... but its good laa at least they are considering u ...
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hopefully can hear good news from them soon flex.gif
kanethesun
post Oct 29 2010, 04:48 PM

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the OCBC Titanium need 36k / year right?
how much you're lower than that dany?
tzeling
post Oct 29 2010, 05:01 PM

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QUOTE(rickkywong @ Oct 29 2010, 04:11 PM)
Since there's no HSBC cc new member here to answer your urgent question, i think it's best you call the CS  icon_question.gif (pls refer to the phone number located behind your cc)
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I guess thats the best way. I only scared in case they don't charge me initially like forgotten or exempted whatever. then I call em they rmber n they charge me hahah!
rickkywong
post Oct 29 2010, 05:24 PM

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QUOTE(tzeling @ Oct 29 2010, 05:01 PM)
I guess thats the best way. I only scared in case they don't charge me initially like forgotten or exempted whatever. then I call em they rmber n they charge me hahah!
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don't worry, normally bank won't make mistake/forget when come to charging... brows.gif
they always will charge more rather than charge less...and wait you call them back if there's overcharged... nod.gif
zenquix
post Oct 29 2010, 05:33 PM

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u might just see it in next month's bill. if you don't, the month after that.

no real worry right?

This post has been edited by zenquix: Oct 29 2010, 05:34 PM
chemistry
post Oct 29 2010, 05:41 PM

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why worry being charged less? just keep quiet lar, lol.
truth_seeker_09
post Oct 29 2010, 05:47 PM

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just curios,
is it ur that month dont have any transaction? or less than $300?

want to know bcos mine is going to be charge soon as well...

QUOTE(SeanChang @ Oct 29 2010, 03:00 PM)
As my Alliance cc was charged RM50 gst on 19/10/10.
i casually call cs at 2pm just now to ask for gst waiver,
cs told me that after min RM300 retail spend then call back to ask for waiver & RM50 would be credited on the next statement smile.gif
*

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