I am using Maybank 2 card for almost 1 year already, now wish to switch to OCBC Titanium, reason is AMEX card is not widely accepted. But my annual income does not fulfill the requirement, will I 100% get rejected by OCBC?

Based on my experience, if request low credit limit like 5k, 8k, the chance to get this card will b more higher since ocbc now is kedekut with credit limit...they gv a very low credit limit...

My card has been approved and called by the agent!!     

to sis fruitie, no worries, your card will be approved after the appeal. Guess they want to keep their quota of successful card application for the next month's sale 

Application rejected

Sorry to hear that.

May i check with you several question.
1. Do they provide any reason for rejection? Will the agent appeal for us?
2. The bank called to you to inform this?
3. How many days you get this news after verification call from OCBC?

I am worried i might be get rejected too. So anxious now.

A very similar to my case, and now I am the holder of Titanium.

Guess they delay this approval to meet their every month's sale quota. Who knows.

bank negara malaysia credit card guidelines

The eligibility requirements for credit cards are revised as follows:

- The minimum income eligibility for new credit card holders is set at RM24,000 per annum;

- For cardholders earning RM36,000 per annum and less, the following would be applicable:-

Cardholders can only hold credit cards from a maximum of two issuers.
Existing cardholders who currently hold credit cards from more than two issuers are given up to the end of 2011 to select their preferred issuers. Cardholders will also be given at least two years to service their outstanding credit card debt for the credit cards that have been cancelled for the purpose of meeting this requirement.

The maximum credit limit extended to a cardholder shall not exceed two times their monthly income per issuer.
For existing cardholders, whose credit card outstanding balance exceeds the maximum credit limit, a grace period of two years will be given to them to meet with the new requirement.

fruitie, my agent told me the reason, but yours doesn't know the reason?
My agent appealed for me already.

1300885000
Follow instructions on the menu, inside the credit card menu, got an option, 4, i think that allows u to check the card.
You need to key in ur IC number. After that it will tell you your IC number, the card applied for, and status.

Is this your first credit card? usually there is only a few reasons for not successful:
1) Your yearly wages is below the limit (which in your case i think u should be ok)
2) first time credit card application
3) have a bad payment record or too much debt on other cards
4) etc

Fruitie, I think you'll get the card.

Do not worry. I called in the morning and IVR told card under processing. Called again after work and it was approved. Waiting my card.  

*Applied via direct agent.

Call in and ask.

Call in, ask and attach and send to CAP@ocbc.com

Anyway usually they will ask u to fill in the declaration form. At this point u are almost getting accepted .

Damn my application got rejected. This is my first time applying for a CC (I do have a supp CC though), and my net salary is above RM 3,000. Any reasons why they rejected me? Who I do appeal to?

Other Bank = Apply-->Approve
OCBC = Apply-->Reject-->Appeal-->Require additional documents-->Approve

Since it is the most valuable card to the card holders, it can play around with u and it knows that u will APPEAL during the process.

Wonder whether it is making a loss biz in Titanium card...???

Can I know how you appeal after you application has been rejected? Call to CS to appeal or send letter?