No, they will not share the reason. I didn't apply for second time, I straight appealed after the rejection.
Quite fast after I voiced out my dissatisfaction for the rejection. I got my card within 1 month plus all the waiting time, first round rejection and bla bla.

You can try Maybankard2Card as well.
We have the thread in this section. It is the best card to couple with OCBC Ti and I have both.
https://forum.lowyat.net/index.php?showtopic=2641365

This post has been edited by fruitie: Apr 28 2013, 01:19 AM

My agent can't guarantee as well during that point of time.
Guess what after 2 weeks of appealing and still heard no results, I called OCBC hotline myself and spoken to one of the CSs. I told him I'm very disappointed with their service and rejected their potential customers' application despite fulfilling all the requirements.
He checked my record and noted that indeed my income requirement was sufficient and my record is clean.

In the end, he said he will escalate it to the higher management. That was on Friday's evening and on Monday my card was approved without my knowledge. Tuesday's morning, one of the OCBC guys called me and told me my card was already approved and already sent out to my house.

Coincidence or the CS guy did manage to escalate? I don't know.

Yeah, to be honest I was a bit insulted actually. I got my CIMB DA during my 2nd month of employment with no question asked and Maybank called to give me their Maybankard2Card but for OCBC Ti I have to appeal.
Thank God it was successful after my appeal, else I can say goodbye to this card as well.

I'm not sure as I told you OCBC Ti is very strict in their selection criteria. God knows if they have any hidden criteria that not made known to the public.
If no credit history is also another issue, like your case. Unless you have house loan or/and car loan in hand as well.

Basically, Maybank gives 2 cards but my VISA card is always kept in wallet. We only concern about AmEx. 5xTreat Points 24/7/365 and 5% rebate for any transactions that fall during weekends. The only drawback is AmEx is not so preferred among the merchants compared to VISA or MasterCard. However, most of the big merchants now accept AmEx. You can refer to this thread: https://forum.lowyat.net/topic/2035710

For weekends, no doubt if the shops accept AmEx, I will use AmEx.
For weekdays, I will use my OCBC Ti. For my telco bills, I will use my OCBC Ti as well.

Add. So it is RM 4k + RM 2.4k and it will be reduced RM 200 every month.
So, in a way it actually reduces your credit limit, and your credit limit will be increased RM 200 every month until the total RM 2.4k is cleared.

You can't pay a loan with a credit card.

This post has been edited by fruitie: May 26 2013, 11:20 PM

Yes, GST is charged once the card is approved and not necessarily activated or not.

Few forummers also got fraud case and the charges were charged to KARMALOOP INC.
Please call your bank and block the card.

This post has been edited by fruitie: Jun 26 2013, 01:50 PM

Ya, I'm also using it for PayPal and also other transactions.
Just too many fraud cases reported for Maybank AmEx, need to be careful.

Sigh. Got a car loan with AmBank and just received a SMS from them that my credit card is approved. I didn't even apply for it. Have to call and cancel before GST is charged to me.

Is this a norm for banks to do this if someone applies loan from their banks?

I have to call to AmBank to understand the real situation before making a report to BNM if I'm not too lazy.

Now they want me to write in.
It is so inconvenient when I'm not supposed to be penalized for something which I didn't ask for.

In the end, someone from CS called me and just cancelled for me over the phone.
She also acknowledged that this is a pre-approved credit card and I didn't ask for it.
I didn't hear them mentioning about credit card, if they do, I will definitely reject it.
Anyway, the whole process of taking up loan, I didn't meet up with any bank officer. The dealer dealt directly with them and bank just called for verification.

This post has been edited by fruitie: Aug 19 2013, 04:53 PM

Yeah, I actually mentioned that to the CS via their online chat. I told her I wasn't happy that this came to me unexpectedly and I will write to BNM.
I must admit their online chat is really useful to get quick reference.

This post has been edited by fruitie: Aug 19 2013, 05:44 PM

Exactly. The card is not interesting at all, if it is a better one, I could have considered.
Again, they shouldn't do this without their clients' consensus and permission.
I'm definitely not willing to pay RM 50 for nothing.

I think on the statement but it is kinda scary for cash advance because the interest is on daily basis.
So, please make a wise decision before going for cash advance.