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Credit Cards OCBC Titanium Mastercard Cash-Back Rebates, 5% or 1% Cash-back rebates ??
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NewGUY
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Apr 6 2012, 09:52 AM
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QUOTE(roger roger @ Apr 5 2012, 04:58 PM) I saw another thread 150 to 200 pages, and is working fine....  Added on April 6, 2012, 9:58 amQUOTE(Human Nature @ Apr 6 2012, 09:42 AM) wrong info la. credit card will hold a pre-determined amount (RM200/250/etc) when swipe at the pump. i agree. I call them before the CSR dunno how much except 200 credit is taken. Only after the merchant close all this transaction, then the credit only be release. Some petrol station, very late or slow close. Some take more than a week. I kena before 1 petrol station holding the credit for almost a month but it will not be reflect in the statement..... This post has been edited by NewGUY: Apr 6 2012, 09:58 AM
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hye
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Apr 6 2012, 10:18 AM
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White Tiger
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QUOTE(NewGUY @ Apr 6 2012, 09:52 AM) I call them before the CSR dunno how much except 200 credit is taken. Only after the merchant close all this transaction, then the credit only be release.
Some petrol station, very late or slow close. Some take more than a week. I kena before 1 petrol station holding the credit for almost a month but it will not be reflect in the statement..... +1. I am speechless when some forummer confidently said that it will only take 2-5 days for the transaction settlement/posting to occur. Forgetting that in some cases (like the one you mentioned), it can take a very long while!
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NewGUY
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Apr 6 2012, 10:25 AM
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QUOTE(hye @ Apr 6 2012, 10:18 AM) +1. I am speechless when some forummer confidently said that it will only take 2-5 days for the transaction settlement/posting to occur. Forgetting that in some cases (like the one you mentioned), it can take a very long while! std few days.... I got 1 transaction at another card at tesco never reflect until 3 mths later.... maybe i m the unlucky......haha
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alexng2208
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Apr 6 2012, 10:33 AM
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this card is good put astro bill, digi bill, insurance all the stuff to this card. no need swipe also get RM50 cash back jor. the rest swipe other cards really good card for repetitive stuff
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tzejinlau
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Apr 6 2012, 12:25 PM
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New Member
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QUOTE(Human Nature @ Apr 6 2012, 10:42 AM) wrong info la. credit card will hold a pre-determined amount (RM200/250/etc) when swipe at the pump. ya, i think u rite when swipe at the machine, but at counter at the amount v wanted, it from my observation. how bout the others? Added on April 6, 2012, 12:25 pmQUOTE(alexng2208 @ Apr 6 2012, 11:33 AM) this card is good put astro bill, digi bill, insurance all the stuff to this card. no need swipe also get RM50 cash back jor. the rest swipe other cards really good card for repetitive stuff har,,, same same ... This post has been edited by tzejinlau: Apr 6 2012, 12:25 PM
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MYstombox
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Apr 6 2012, 01:47 PM
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QUOTE(alexng2208 @ Apr 6 2012, 10:33 AM) this card is good put astro bill, digi bill, insurance all the stuff to this card. no need swipe also get RM50 cash back jor. the rest swipe other cards really good card for repetitive stuff Are you talking about auto-debit? Or phone payment? Because auto-debit can specify they only do the transaction on weekend?
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Titan_Gunners
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Apr 6 2012, 02:40 PM
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QUOTE(MYstombox @ Apr 6 2012, 01:47 PM) Are you talking about auto-debit? Or phone payment? Because auto-debit can specify they only do the transaction on weekend? This card is entitle cash back everyday..dun care whether is weeked or not..unlike Mbb2..
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alexng2208
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Apr 6 2012, 02:40 PM
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QUOTE(MYstombox @ Apr 6 2012, 01:47 PM) Are you talking about auto-debit? Or phone payment? Because auto-debit can specify they only do the transaction on weekend? auto debit lor. automated everything and every month i get rm50 off
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s@ni
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Apr 6 2012, 05:34 PM
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QUOTE(Human Nature @ Apr 6 2012, 09:42 AM) wrong info la. credit card will hold a pre-determined amount (RM200/250/etc) when swipe at the pump. oh... i'm using maybank mastercard and amex, both deduct the exact amount..
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koh_424
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Apr 6 2012, 05:38 PM
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QUOTE(Titan_Gunners @ Apr 6 2012, 02:40 PM) This card is entitle cash back everyday..dun care whether is weeked or not..unlike Mbb2..  Really luv tis card.  PS: I not yet apply for it
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then_then
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Apr 6 2012, 05:46 PM
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Getting Started

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QUOTE(koh_424 @ Apr 6 2012, 05:38 PM) Really luv tis card.  PS: I not yet apply for it  If want to apply remember find me o..I can waive the first year GST for u..haha
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koh_424
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Apr 6 2012, 05:53 PM
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QUOTE(then_then @ Apr 6 2012, 05:46 PM) If want to apply remember find me o..I can waive the first year GST for u..haha Sure or not? Let me settle sum personal debts 1st.  BTW, which branch r u come from?
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then_then
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Apr 6 2012, 06:41 PM
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Getting Started

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QUOTE(koh_424 @ Apr 6 2012, 05:53 PM) Sure or not? Let me settle sum personal debts 1st.  BTW, which branch r u come from? I m form HQ..I m ocbc direct card sales staff...if u want apply u remember contact me ya...Haha
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koh_424
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Apr 6 2012, 07:22 PM
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QUOTE(then_then @ Apr 6 2012, 06:41 PM) I m form HQ..I m ocbc direct card sales staff...if u want apply u remember contact me ya...Haha OK
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CP88
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Apr 6 2012, 09:52 PM
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QUOTE(hye @ Apr 5 2012, 09:36 PM) Totally agree on this. My CL for this card is RM1K as well. The CS practically  when I asked for a CL downgrade - asked why and I bluntly said - "The card is practically useless once my spendings exceed RM1K"No further questions asked but the CS did say ... "Please call us if you need more CL". Very nice reason.
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stacko
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Apr 6 2012, 10:38 PM
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QUOTE(hye @ Apr 5 2012, 09:36 PM) I bluntly said - "The card is practically useless once my spendings exceed RM1K" Not entirely accurate as there are always others who get the mixture of 1% & 5% rebates instead of full 5% rebates.
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TSronnie
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Apr 8 2012, 10:43 AM
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QUOTE(stacko @ Apr 6 2012, 10:38 PM) Not entirely accurate as there are always others who get the mixture of 1% & 5% rebates instead of full 5% rebates. Those who mixes 1% and 5% with OCBC Titanium are not smart spenders like hye and me
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bryan_x00
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Apr 8 2012, 12:26 PM
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QUOTE(ronnie @ Apr 8 2012, 10:43 AM) Those who mixes 1% and 5% with OCBC Titanium are not smart spenders like hye and me I beg to differ. At least 1% cash back is better than other cards. So smart spenders will be using which card for other purchases that do not accept amex?
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Human Nature
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Apr 8 2012, 12:29 PM
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The truth is, there is no right or wrong as everyone will have different cards in their stable and different spending pattern. As long as one can make the most of their card, then everyone is happy. I know I am
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NewGUY
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Apr 8 2012, 12:45 PM
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QUOTE(ronnie @ Apr 8 2012, 10:43 AM) Those who mixes 1% and 5% with OCBC Titanium are not smart spenders like hye and me If u max over then need consider to separate maybe the 1% to HLB essential card.....all together probably not enuf.... For me, I not use this card for petrol since IINM i ll be getting more if use UOB one card for petrol at BHP
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