I applied for 4 housing loans in August and all were approved. In the end I only accepted one of them. But all the 4 loans and their approved amounts are shown in my credit report, under the "Application for Credit" section.

BT is shown as outstanding balance for credit card.

There was a time the cashier at Guardian forgot to keep the merchant's transaction slip. She gave me the wrong slip (merchant's copy which was signed) and she kept the customer's copy which was not signed instead, and I only noticed that when I was back home. However, the transaction still went through.

I guess you would better get the black and white from HSBC before you make early settlement. Some banks require you to write in your request officially and most of them would impose early settlement fee.

This post has been edited by winner: Jan 24 2011, 05:24 PM

Travel insurance coverage, golf privilege and retail protection.

This post has been edited by winner: Jan 24 2011, 05:26 PM

This needs to be further clarified after the actual statement arrives.

But again, they did not have the merchant's copy signed by me. They did not have my signature though. Regardless of how many copies they could reproduce, none of them would be the "signed copy".

The promotion is until 31-01-11. It could be too late if you apply for the card now, unless SCB would like to extend the promotion.

I filled in the online interest form on Thursday and received their call on Friday. I applied for the cards directly through phone from the CS officer who called me on Friday. However until now the status is still "no application" when I checked from MBB hotline just now.


For OCBC Titanium MC, cash back is given to auto debit transactions. I can confirm this.


It will show 2 cards instead.

Since they are 2 cards with different numbers, your new card will not have any credit record in the beginning. Creditors still can assess your credit record of your previous card.

Nonsense! My TM bills with auto debit from OCBC Titanium MC earn 5% cash back every month.

I guess you might have misunderstood the explanation by the CS officer. Some forummers here did highlight that they could not pay TM bills manually through OCBC online.

Now, it is confirmed that HSBC Premier WMC issued in Malaysia is a real recognised World MasterCard.

I did throw this question to OCBC CS last month but nobody can give me an accurate answer. They said BT and cc share the same account. Whatever payment will go towards the settlement of cc outstanding balance first. But when asked whether the extra payment will be deemed settlement of BT balance, nobody can answer this. If all the money goes to cc account ONLY, then interest will be charged for BT.

I totally agree with you. It is advisable to do BT with those banks creating separate account. CIMB/DA BT serves this purpose perfectly.

I suggest you to read through this thread from first page onwards. All your questions have actually been answered. Do research before posting questions. No offense here.

It's probably a real Amex, not Maybankard 2 Amex. If it is Maybankard 2 Amex, it won't be only 1 card. It should come with another VISA card.


If you pay by cash through cash deposit machine, you make the payment "in time" and no late charges will be imposed.

I received a call from OCBC Fraud Department, revealing that there is an intimation of fraud for my OCBC Titanium MC. Somebody might try to steal my details and use my card. OCBC requested to block my card immediately and gave me a replacement card. The replacement card will only be ready for collection 3 days later. No card replacement fee and service tax will be imposed. With this, I'll be getting a brand new OCBC Titanium MC with new numbers.

I did highlight my concern to the CS officer. He was very helpful. He sent all the auto debit forms including TNB, Astro, TM and Great Eastern to me via email. He will help me to fax the forms to the respective agencies.

Anyway, this morning I have already noticed a new card number appeared on my OCBC online banking and the old number disappeared.

I am not sure about the rebate requirement.

The form given by OCBC is a one-page form with OCBC letterhead stating the agencies like Astro, Celcom, DiGi, Maxis and Telekom as well as MBPJ, MPSJ, MBSB, MPK and MPPP. Only TNB and Great Eastern have different forms.

This post has been edited by winner: Jan 26 2011, 10:43 AM

Why make it so difficult? Just pay in FULL whatever outstanding balance as indicated in your statement on or before the payment due date, so that NO late payment penalty and interest will be charged. Always practice a good habit like this.