SCB JustOne Titanium is for big spender? and ocbc is for small spender? is the comparison i do correct?

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Added on December 19, 2010, 5:36 pm


This post has been edited by persistence85: Dec 19 2010, 05:36 PM

but scb justone no longer offering ~

Not correct. Both were created for WISE spenders like most senior forummers here actually.

Oh

i only hv one card with SCB at that time
but i complaint about not being awarded the 11k points via both email and phone and ended up getting the points twice

well, JustOne is at least on par if not better than OCBC titanium

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Added on December 19, 2010, 6:15 pmfor scb justone, u can finish the RM600 allocation in one swipe or witihin one month, so it's better in that way
in terms of total cash back, it's same with OCBC titanium, and also to less extend same with AMEX (RM150 x 4 for current campaign) and PBB (RM100 x 6 or more in two or more campaigns per annum) although campaigns can change and not fixed

This post has been edited by alexwsk: Dec 19 2010, 06:17 PM

Lucky you! It ended up with free 12,000 points after minusing 10,000 points for service tax.

so overall, scb justone is preferred for people who swipe big amount at one go

Yes


https://www.maybankard.net.my/catalogue.php?prodid=89

Let say if my Maybank branch give me pre-approved card, does it mean high percentage will get approved?

it means its already approved

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Added on December 19, 2010, 7:29 pmjust waiting for u whether u want it or not

This post has been edited by kei18kun: Dec 19 2010, 07:29 PM

wa.. really?

of cos i think u still need to submit the application, not sure. my dad get alot of pre-approved card, just didin't ask him abt it

oh...

high percentage but not always. your ccris is still being checked also. nowadays maybank has included a clause which allows them to decline even pre approved applications.

pre approved applications are made based on branch's recommendation but processing unit still runs through credit review before giving their green light.

maybank branches normally offer pre approved credit cards and charge cards (except maybank world mastercard and american express platinum charge card both are exclusively pre approved only to maybank PWM customers) based on a few factors which may include:
1) substantial FD
2) salary banked in through that maybank branch even though by cheque bank in and not via auto credit
3) hire purchase / housing loan / OD facility

This post has been edited by rockefeller: Dec 19 2010, 10:34 PM

I got housing loan with PBB and just approved.I read at the offer letter there got mention pre-approved credit card.Mean they offer me credit card?

Yes

nice information, i understand now. Thanks

usually it means u already get the card


This post has been edited by erry-: Dec 19 2010, 08:52 PM

err... either i cant find it, or u missunderstood?

what i mean is rm50 cashback for the card / rm50 credited back in the card statement, not a voucher with value of rm50

like hsbc, 12.5k points can get rm50. hsbc rewards - look at C302 / C304

previously i redeem rm300 (75k points). hsbc offer 3x points if swipe oversea.

amex, 10k points can get rm50 back. amex rewards - the example is 100k points for rm500.

amex gold offer 5x points if swipe at selected place such as groceries & petrol.

while DA can pay with points at certain shop - 10k points for rm50 - Pay with Points - min purchase rm25 (5k points).

so, do mbb dont have this kind of rewards?

This post has been edited by erry-: Dec 19 2010, 09:03 PM