OCBC did ask for the loan declaration as well. I recalled I filled up mine when I applied for OCBC Ti.

If your allowance is fixed allowance, then it should be alright.
If it is a variable allowance (like Chipsmore, sekejap ada sekejap takde) then it might not be possible.

This post has been edited by fruitie: Jul 10 2012, 12:07 AM

You are welcome but I'm not bro.

At least 3 months is the safest in order for them to evaluate and approve your card effectively.

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.

This post has been edited by fruitie: Aug 22 2012, 11:47 AM

Oh yea, offset.
Thanks for correcting, I couldn't recall the correct word this morning.

Customer service.

Maybankard2Card Gold is RM 30k per annum and Maybankard2Card Platinum will be RM 60k per annum.
The discussion thread: https://forum.lowyat.net/index.php?showtopic=2434771
The info on the first page is useful.

This post has been edited by fruitie: Sep 12 2012, 04:46 PM

https://forum.lowyat.net/index.php?showtopic=2035710
You may refer to the above thread to know which are the merchants that accept AmEx (not only limited to petrol stations). Of course you can start contributing when you have one.

I don't think there is any advisable time frame, you can terminate anytime you want.
Of course, terminate before the anniversary to avoid paying GST.

Yes, it is a mandatory thing. All credit cards have to pay GST, some banks allow you to off-set using reward points, some banks will absorb the costs.
It depends but the ultimate point is GST is a mandatory thing for credit cards.

I was a contract staff and only converted to permanent this year's June.
For the past 2 years plus, I was approved with CIMB Direct Access, Maybankard2Gold Card (they called and offered to me) and most recently OCBC Ti.

So far it is fine, so long you can provide them with payslip that proves you have steady income and fulfills their requirements. I think credit card is still OK to be approved if you are a contract staff but probably not loan, not that easy I heard if one is with contract employment.

You will pay only RM 100/month but your credit limit is reduced by RM 2,400.
You will get back this RM 2,400 into your credit limit once you complete your installment.

Maybank2Card VISA is 1xTP.

No, it is not. This no longer works. BNM already set a rule where sufficient documents need to be presented in order to get another credit card.
Last time can do this but not now.

Nope, anyone that you want to give.
Some BFs give it their GFs.

Yes, you can as long as your income fulfills the income requirement.
Usually banks require 3 months payslip and yours is just nice for application.
Good luck.

Gross income.
She said more secured ma, you can apply in 6 months time.

But no issue, I got my first personal credit card during my 2nd month of employment.

All I can say good luck for your OCBC Ti application. My first application was rejected despite having more than 48k annual income and was only approved in the second time after appeal.

Usually if your first credit card application is OCBC Ti, the chances to be rejected are pretty high. This is based on other forummers' experience as well. Nevertheless, this worth a try.

Nope, I don't have any savings account with OCBC. I paid my bill via GIRO through Maybank.

GIRO transfer still requires RM 0.50 to RM 2.00 per transaction isn't it?
The revised rate will only take effect on 2nd May.