Interested to know what is yours reasons to reduce CL of your CC ? For security reasons ? Please share.

What kind of disadvantage one would have by having high limit in BNM credit report ? Please share.

Thanks for sharing. I think CC that gives unlimited rewards points (Amex,HSBC etc) or 1% uncapped cash back(HLB essential) should maintain highest possible CL for big ticket item like 10% down payment for the new property launching, tuition fee, long distance air ticket for family, tour package for family, insurance premium, new car down payment etc etc.

5% Cash rebate & 1% Cash rebate - Terms & Conditions
http://www.ocbccards.com.my/titaniumRebates_tncEN.aspx

So far all my big ticket purchases no chance to use Amex.

Since no one posted this info yet:

The RM50 monthly maximum cash rebate cap is based on accumulation of changers within your billing cycle. Not calender month basis.

Why use UOB payment portal instead of OCBC online to pay ?

Why sharing info voluntary in the forum need to harbor such sacarstic feelings ?

Well, the fact is, I didn't ask you what's the rebate paying via Payonline and nobody in this forum say why u take d risk losing 5% cashback using PayOnline. You added it yourself. All I asked was "Why use UOB payment portal instead of OCBC online to pay ?" and it was asked out of curiosity why you used a 3rd party bank's payment portal instead of OCBC, without the question of rebates whatsoever. Perhaps your ego is too high and sensitive that a simple genuine question like that can easily disturb your emotion and perception.

As for the "to keep their mouth shut." So, this is your forum ? other people should shut their mouth and only you can talk ? How overbearing and arrogant.

If you are so willingly to test the portal and share the findings voluntarily, then share it whole heartedly, don't write sarcastic remarks before sharing it.

I still wonder which words from my question stepped on your super sensitive toes

Is not about the keep the mouth shut thingy, it all started off with my question addressed to Chem "Why use UOB payment portal instead of OCBC online to pay ?" The question was specifically addressed to him and can only be answered by him. I asked in a genuine curiosity tone but I can't put the tone in writing. Unfortunately Chem took it differently.

Sorry for off topic. I've made myself clear and I rest my case.

This post has been edited by aeiou228: May 30 2011, 11:01 AM

Aiyo...the TnC are so complicated and rigid. Me just spend as normal la.

Maxis postpaid user here and sometimes slow sometimes fast. If more then 1 min not received just click the resend button. Usually you will receive 2 OTP within few secs. Use the latest one.

Few years ago, due to late payment after the statement due date, I accidentally discovered that Citibank had a secret unpublicized 7 days grace period AFTER THE STATEMENT DUE DATE without charging any late payment penalty and overdue interest.
Apparently, OCBC also have the some grace period for late payment after statement due date. Again, I omitted my OCBC Titanium December statement due date on 1 Jan 2012 and only paid on 5 Jan 2012. When received my latest statement yesterday, No penalty and No overdue interest charge. However, I'm not sure the grace period is the same like citibank 7 days though.

This post has been edited by aeiou228: Jan 19 2012, 11:42 AM