Ya, what i can do is pay my mobile phone bill by credit card every month and convert some cash-flow by using the card. I really stupid

dont say stupid.

u just need to learn

we use credit card to get the rewards (cash back / points to redeem).

while using cash wont get rewards.



This post has been edited by erry-: Jan 25 2011, 01:24 AM

When i need to fill this form? anytime if i want?

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Added on January 25, 2011, 1:25 amyaya
so for now, i try to apply direct access first. how if it fail? haha

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Added on January 25, 2011, 1:28 am- but there is a lot of credit cards, make me (newbie) confused and blur +_+

- i need to learn use the credit card wisely

- after i get DA, what can i do for the next? use it around 6-12month and look for another cards? wish u can give some advise

Thanks a lot

This post has been edited by BeChong: Jan 25 2011, 01:28 AM

Anyone know the Eon Bank GSC Credit cards that gives 1 movie ticket on the birthday month ?

Anyone know how to redeem it ?? I deleted the sms then forgot how to redeem it already.

Any one received call from maybank yet after fill in interest form?
They haven't call me yet.

Just fax in the application form for quicker response.

May I know what is the fax number?

I got this from OCBC FAQ.

What types of transactions are excluded from the ‘Retail Spend Rebate’?
Recurring Payment/Auto Debit transactions, Flexi Payment Plan (FPP), Savvy Saver Plan (SSP), Balance Transfers, Cash Advance, Call-for-Cash, Dial-a-Cash, Dial-a-Cheque, Outstanding Balance, Finance Charges, Annual Fees, Late Charges, Reversals, Fraudulent Retail Transactions and other fees and charges are not eligible for the Spend Rebate.

Recurring Payment/Auto Debit transactions cant get cash rebate??



This post has been edited by Titan_Gunners: Jan 25 2011, 08:39 AM

03-2282 0373

Just a quick question as i can't find anything related to this is the few versions back.. Hope someone can help to clarify ~

Everyone knows banks look at our ccris when we use a card to apply for another card.

But will the ccris shows all the history of our record if the credit card is automatically upgraded from classic to gold? My suspicious arise when i notice my application for a new card was rejected and out of surprise my gold card number is different from the classic...

What's the landline to confirm if they receive the form ?

pls read more here - http://www.hasil.org.my/pdf/pdfam/Issuance...xReturn2010.pdf

for me, no need for u to trouble urself to apply for the maybankard 2.
just apply another card and use the card approved to apply for maybankard 2 after 1 year later.

never heard DA reject application so far (from my friends and also here). so good luck to u!

- if u confused, u can call the bank directly to ask, or just ask it here

- yes, once u have credit card, try to use it wisely. dont overspend.

- yes, use the DA for for 6 months with clean record (always pay full, even this is what it should be),
and apply another card that accept 6 months card example PBB.

call CS and request them to send the sms to u again

sorry i dont know much about ccris.

but, of coz gold card number is different from classic?

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Added on January 25, 2011, 9:03 amso far at OCBC website also didnt mention that 5% for auto-billing, just 5% for bills (for MC Ti)

while for amex gold credit card, 5x MR for telco bill, only with autopay (auto debit).
if just pay manually then only get 2x MR.



This post has been edited by erry-: Jan 25 2011, 09:03 AM

So it is still a valid transaction, dangerous weii

Rejection for a new card can be for a various of reasons. Correct me if I'm wrong but you did not view your own CCRIS right but you are only speculating that it is due to the card upgrade. Please don't bring the guys here on a wild goose chase because you did not provide any other information such as ...
- Did you check your own CCRIS yet ?
- Did you ever become guarantor for other people ?
- How many secured and unsecured debts do you have ?
- How many cc do you have ?
- Did you ever miss any payments for anything ?
- What's your total exposure ?
- etc ....

Like I said ... they are many reasons your cc application being rejected. Without a complete information of your own financial background, we'll be giving you wrong advise as well. I know may have been helpful (e.g. erry and the rest) but please be realistic ... there're things which require more background information.

pls avoid give the card to the waiter (to pay ur bill) when finish dining.
i will to go to counter myself and give my card there.

the best way is, always login to online banking and check recent transaction. this is what i'm doing

thanks.

sorry for repeating, but my ccris is clean and yet ocbc titanium reject my application. haha.
i dont bother. just use current 4 cards i already have

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.

I do that too, hehe, but trying not to swipe for dining purpose. The other day my colleague used her card to pay for stuffs she bought at Watsons, then the cashier took her card and MIA for some time. Then he informed that her card can't be used. She's just afraid if the cashier did swipe her card or something. Now she's waiting for her statement in order to check.

erm... actually.. my question is very simple and straight forward....

does a card upgrade will affect my records in ccris being 'restarted', meaning i need to use it for another year to have the '1 year' record, or the old and new card's ccris will be 'linked' even though the number is different?

to be honest, i'm not very sure why you emphasize so much on the reason i was being rejected...
everyone who visit this forum since the past few versions know that asking things blindly will ended up being shot ~~ so yes, i'm fully aware of the list you written~~ no offence on the way i replied, just feel some people would take the opportunity to blast when there is a 'opening'~

This post has been edited by jensen_tidus: Jan 25 2011, 09:30 AM