I received a card from Poslaju yesterday. I guess it must be the Maybankard 2 Cards. I am not eager to use it now and will only go to the post office to collect it on Saturday. I applied through phone on 21-01-11.

You may need to see which option choosen by the sender. Sometimes only the specific recipient can receive the documents.

For both issues above, please get the confirmation first before you could jump to the conclusion. That means, you have to try it out YOURSELVES and keep us posted.

I actually filled in the "I'm interested" form and received a follow-up call from MBB CS officer the following day.


The same applies to housing loan. If you have just applied for a housing loan from the bank not long ago, you cannot apply it again from the same bank within a specific period regardless of whether your previous application is approved or not.

That's the first case I heard for HSBC. By the way, is your fiancee HSBC Premier customer?

Yes, it is highly not recommended to have this kind of thought when doing BT. Some banks do accept BT more than outstanding balance but this is one of the root causes of debt and financial burden.

If you are a good paymaster, your payment record will be clean and won't be affected.

However, BT may weaken your chance to get a bank loan if the BT amount is huge, as it will be shown as debt in the BNM's credit record.

It is alright if the BT amount is not big. For those people who perform big swipes but opt for BT instead, their credit status will be affected to some extent.


SCB Business Platinum, HLB Essential and SCB Preferred WMC. Refer to my post #1251.


This card is not recemmended, as his tuition fee is RM9,000++. For this card, first RM10,000 will only get 0.75% cash back.

***EDITED***
OCBC GE Platinum should be choosen as it gives 1.5% cash back for education expenses.

This post has been edited by winner: Feb 11 2011, 09:58 AM

Oops I overlooked the T&Cs. If that's the case, OCBC GE Platinum is the card to choose for this purpose.

I guess the AF can be waived upon request, subject to bank's approval. Since this is not a premium card, OCBC is willing to consider AF waiver.

Have you received the statement already? Mind to share with us and post it here?

Do share with us and copy and paste it here. I am eager to get clarification on this because before this only Amex and co-branded petrol cards give points for petrol purchases.

This post has been edited by winner: Feb 12 2011, 11:57 AM

Yes, all these give you 5% cash back. You should also get Maybankard 2 Amex, to receive more rebates and points from your expenses.

This post has been edited by winner: Feb 12 2011, 09:42 PM

It does not mean the card must be physically swiped. For OCBC, online bill payment is a type of retail transactions.

For those who like cash back, OCBC Titanium MC and Maybankard 2 Amex are the must have cards at this moment.

For all types of retail transactions:
Weekdays - 5x TPs
Weekends - 5% cash back + 5x TPs

You can use TPs to redeem shopping vouchers.

Not quite right. For dining at restaurants, it is better to use OCBC Titanium MC during weekdays (if the RM50 cash back cap has not reached) and Maybankard 2 Amex during weekends (since it does not have cash back cap).

Besides, for non 5% cash back items under OCBC Titanium MC, you would better use Maybankard 2 Amex if the merchants accept Amex. It is because 5x TPs (Maybankard 2 Amex) is valuable than 1% cash back (OCBC Titanium MC).

You can either subscribe auto debit or make payment via TMOnline, and still enjoy 5% cash back.


Last month my OCBC Titanium MC was automatically blocked because of fraud syndicate. OCBC informed me of this via phone and sms. In the beginning I doubted this so that I called OCBC hotline to clarify. In the end, OCBC sent me a replacement card with new number within 3 days. And of course, all my auto debit payees have to be informed of the new card number.


Since both insurance companies are not in the payee list of OCBC online system, you can opt for auto debit and get 1% cash back. Do note that the maximum cash back is RM50 per month.

I guess OCBC could be a bit "kiasu" and extra cautious. Anyway, I have already requested to reduce my CL significantly to RM6,000 only. This card is deemed useless after my monthly spending hits the maximum RM50 cash back.

This post has been edited by winner: Feb 13 2011, 09:59 AM

I was told by OCBC CS officer that there are 2 types of CL reduction, i.e, temporary usage reduction (original CL is maintained but usage limit is reduced) and permanent CL reduction. For temporary usage reduction, it can be done via phone. As for permanent CL reduction, we have to do it at any OCBC branch as original signature is needed.

I have done the temporary usage reduction to RM6,000 per month. I will request for permanent CL reduction at nearby OCBC branch these few days as I do not want the high CL affect my ability to secure home loan.