OCBC Ti's annual fees can be waived with 12 swipes in a year. It is widely published on their site.

http://ocbccards.com.my/Titanium_Master_Card.aspx (Click on Card Privileges' tab)

An excerpt from the tab:
Zero Annual Fee with 12 Swipes per Annum
Sign up today and we'll waive your first year's annual fee. Subsequently, just swipe your OCBC Titanium Card at least 12 times every year, and we will automatically waive annual fees for both Principal and Supplementary Cardmembers.

If you achieve RM 10k of spending per year will get GST waived as well.

6 months is the cooling period? I saw people posted on this section got their card within 3 months after the first rejection.

To All:

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Hope you can benefit from it Bro
Bro, if two person, then it's 50% off.

So 3 things you can gain from reading my article:
1. At Chinoz use your AMEX Platinum (Gold no discount).
2. Always ask if there is any discount with any credit card - I always do that, buta buta can save RM50.
3. Bookmark my dining promo food article in your smartphone 

Is it true that the Visa buy 1 Free 1 promo for GSC tickets will end on 14th October due to overwhelming response?

Autobilling means you are allowing the merchant to charge you the moment they put up a claim/invoice/bills you and this is automatic irrespective whether you have paid separately or not + provided there is a positive amount that you owe to the merchant. The charging/claims will normally happen after the monthly billing cycle within the calendar month. Understanding this as well, (in your case) likely the autobil would not trigger next month provided the amount is negative after the new bill cycle occurs.

I don't understand as to why you paid your bills knowing the autobill has been signed up and you come here thinking you did not do anything which led you to this trouble. If you want to chase the rebate then simple - cancel your autobill and pay the bill yourself. Trying to save extra money (maximising the rebate) but end up paying so much and creating a lot of issues for yourself is not smart at all.

YES autobilling provides you with the convenience of not worrying forgetting to pay the bill. NO - this is not the mechanism to chase for a weekend rebate or any special credit card rebate which is date sensitive.

How auto-billing (if subscribe from CC) works:
- telco backend system calculate your month-end bill.
- at another date, can be any date, CC (Bank) will request for latest bill amount from telco. Not just you only, can be total of 10k or 100k of people who opt to auto-pay.
- telco submit bulk data to CC
- CC charge based on the bill-amount printed, i.e. rm147 in your case.

How auto-billing (if subscribe direct from vendor/telco) works:
- telco backend system calculate your month-end bill.
- at any date after that, telco will submit the bill-amount to CC (Bank) to charge that amount. Also, again, not for you only, can be for 10k or 100k people who subscribe auto-pay through vendor.
- bank do back-end processing, and release amount to telco

In your case, as state by hye, either you cancel auto-pay and ensure you pay yourself every month on weekend.

Since you overpay -147, if next month your bill charges is 148, then your chargeable bill will be RM1.
Hence on Nov 23rd, CC will auto-deduct RM1 for the bill.
Depends on bank and their practises. You can cancel by calling up the CS. But before that, must settle all outstanding payment.
Also, remember to write down the details if the cancellation is done:
- CS name
- date & time of call
- etc.
Keep that paper safe for 3/5/7 years, just in case the bank says you never cancel your card before.

Guys, may I ask, can I cancel my credit card without personally going to a branch? What would be the "best practice" to go about this?

Thanks in advance.

should be total CL