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".

+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!

It is not discontinued but not accepting anymore new customers since a long time ago.
Those who has it ... are "Elites"! (Exclusive card)

CS are human too. Did you not antagonize them in your conversation with them ? What was (all) the exact conversation that you had with them ? Would you like to post every single word/line that you had with them and I could check with OCBC and compare them with the recording of your conversation with them.
In all my experience with OCBC, I did not encounter such a thing.

However, it is to note that OCBC are very strict with their customers qualifications - if myself also got rejected in the initial application with them, let alone a new applicant with no visible credit history, etc.

Both are great cards. You need to decide for yourself .... you need to be making decisions as an adult. You said so yourself, you don't want to pay service tax all over the place then just choose one.

I know you are lazy to read all the posts thus you ask and want answers - OCBC might be difficult if no credit history. So if you want to try go ahead and you need to find out yourself the outcome because we are not OCBC card application counter thus nobody here can guarantee you will absolutely get an approved OCBC TI card.