OCBC did not mention in their letter that we need to call to activate the card. i assume the card already activated. got prob to use it first time

get SMS from citibank 0% cash advance interest but not sure about the cash advance fee. if no CA fee, can use the the money to invest for 3 months

yup have contact them, there is 5% fee one time. not so good. PBB has a short term promotion, convert to flexi pay at 0% interest n handling fee for 6 months. i think someone has asked whether this kind of promotion exist