it is difficult to get ocbc titanium although min requirement 36/year.. mine is twice the min requirement but still rejected.. wonder what's their actual requirement

many with even more than twice with no loan also rejected twice ~

This post has been edited by triny: Mar 11 2013, 11:54 PM

maybe ocbc really target cust for 36k range.

if earned twice, trice, then go to other card type or other bank lah.

so they wont get clean (no outstanding) cust. more profit

this is what i think as well.. but their cashback rebate is quite attractive.. no free lunch in the world huh?

Just check your CCRIS.... sometimes something like did not pick up their call leads to rejection.

what is ccris?

Being a professional has nothing to do with credit card. Where you spend you money should determine what credit card to get. CIMB card standard features are nothing much but they have good for promotions, that is if you patronize the merchants that offer discount with the card.

nothing to do with having many credit cards, I have many CC but OCBC still issued me thier card when it was launched. It's about the individual's record.

what an utterly untrue statement Please, this is not kopitiam, this is Sub-Finance Section.

True. Or they may even call your company to check.

Is a credit history report that you can obtain from Bank Negara Malaysia. Goto Main Finance Section and there's a piined thread on it.

This post has been edited by Gen-X: Oct 25 2011, 07:00 AM

No such thing one la.
If someone has the tendency to owe bank's money, no matter 36k, 72k or 108k per annum, they will still owe.

no prob with ccris also they didnt accept

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Added on October 25, 2011, 9:22 amagain, maybe, ocbc already check the history with current credit cards, never have outstanding?

This post has been edited by erry-: Oct 25 2011, 09:22 AM

is it worth get the SCB gold for the RM138 cash back? after got the card need use how long time?

actually u just get rm88 upon credit card approval (gold). the remaining rm50 is given upon completion of 3 retail transactions within 45 days from credit card approval date.

pls do note that the card have annual fee, which is rm175/year.

also, this additional rm50 cashback only for online application.

so, not worth?

1. Annual Income: RM40k

2. Free Lifetime Annual Fee: A Must

3. Card required for: Travel overseas for work often, need to pay own bills first then claim. Shopping or dining locally and Online Coupons! ;-P

4. Existing credit cards if any: Direct Access Mastercard Plat, Amex Gold

5. Preferred Bank or Considering CC from banks: Hopefully an international bank (for better acceptance overseas?)

6. Others: Wondering cause, some places overseas, look at the direct access card and says, dont recognise bank wor... eventhough got Mastercard logo on it. But most of the time not much of an issue lah... If local banks got good deal i wont mind also

7. Estimated Spending per month with the card: When travelling > 4k. Locally maybe >1k

with rm40k p.a, its hard to get good 'oversea travelling' card

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Added on October 25, 2011, 4:37 pmother card that meet ur salary usually offer 2x points for oversea spent, but ur amex gold is already 2x on everything.

so i dunno what to suggest anymore

This post has been edited by erry-: Oct 25 2011, 04:37 PM

175 no auto waived first year?

if refer to their website, there is no such promo (1st year annual fee waived)

lol then the cashback purely to offset the annual fee also not enough... plus gst...

then should i take ocbc or m2 gold, why i keep asking same question every day ?

correct!

now,

if the place u went support amex, and u do ur shopping/groceries/petrol on weekend, then go for m2.
else, ocbc ti.

easy ~

today can swipe rm 300 for group lunch... but i only got uob one card... 0.3%, so i ask other to swipe it better... so i thinking of getting another card got more benefit for me to swipe...

if the place u eat support amex, u should apply maybankard2 amex, get 5x points, about 2.5% cashback (later when u redeem shopping voucher).

if not, then better ocbc, can get 1% (compare to maybankard 2 master/visa which only give 1 point)

but since u already have uob one card, i'm assuming ur petrol is with that card.

so for normal spending, get alliance debit plat mastercard. at least no gst

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Added on October 25, 2011, 5:24 pmrefer here (lazy to copy paste again. haha)

This post has been edited by erry-: Oct 25 2011, 05:24 PM