spend more than RM10K with the card.

You have to register the payee, then go to online payment to settle your bills.

my average spending 1.5k with 7k CL, every month pay on time for half a year.

too bad, i asked for an credit increase last week, and saw a letter on my mailbox last nite from OCBC saying it's declined.

You don't really that high CL with OCBC Titanium Mastercard. Once you achieve the max RM50 rebate, you can keep in the drawer till the next Statement cycle.

just apply for another cc for extra cash rebate
spend upto 1k then keep in safebox until next month

it would be easier to me to apply other platinum card if i had higher limit on this card as reference ...

ur annual income?
i only use gold card although not ocbc but cl 8k
7k for plat is really low

i think ocbc, should raise the 50 limit, this way people will spend more and not max to get tht amount then stop using

that's may be they think that if gv anything more they could not earn much....

Unless they charge merchant fees >5%, OCBC earn 0 from smart customers.
Thus no point increasing the RM50 cap per month

wont it be more volume/users will generate more income

Not true.... banks earn from the merchant fees and late interest

Technically yes but you never know until you you look at the BI and the statistic collected from all the usage.

In general, more volume = more merchant fees are collected and more users might collect more late interest fees.

unfortunately ocbc dont have any reward system in this titanium card. if there is, i would gladly move my other cc (except mbb2 amex) expenditure to this card even the cap rm50 is reached.

ya thts the thing, i just over shot almost 100 due to business trip overseas n now cant use until next statement.

N that's y u should have a 3rd card. With cashback like UOB or any other good cards.

my friend application was rejected, he wants to appeal for it but CS told him the decision is final already. but i know some of the forumers here manage to appeal for it. what are the steps to make an appeal for it ?

This post has been edited by gerrardling: Aug 5 2011, 01:40 PM

Email them as soon as you find out that your application has been rejected.

ya i got many other cards, but tht time lost count of the amount i spent on my TI

anyone knows if mpsj entitled for the 5% rebate ? and comfirm that TM Bill is 5% cos i saw from the first page Telekom Malaysia - fixed line, by calling up the call center says 1% ? I am planning to use auto debit using the PayMaster form

This post has been edited by DarReNz: Aug 8 2011, 01:39 PM