oooo ..... so ur saying that is kajang senheng not offering 0% then there is possibility that cheras senheng got offering 0% izzit ??

me new in this thing .... me donno shiet .... noob

i have SCB. but SCB also they say not provide 0%. Hmmmm .....

I tried to register ASTRO and TM as registered payee. But it always fail and return message said that the service is not available (16).

Do you encounter this?

I am currently working in Singapore earning around S$2500 (RM6000++) for almost 4 years.
Currently I have Home Loan with Maybank with prefect payment record(in fact I have overpaid my loan since I have alot of $ in the bank).
My loan started in 2010 (25 years loan) but up till now I had cleared 5 years. That means even though if I'm jobless now, i don't have to pay any monthly loan until 2015. I also have Maybank CC (Amex Gold card2card) and of course also with perfect record and my outstanding now is in negative balance because of the 5% rebates.
However, my application for the OCBC Titanium card was rejected for unknown reason. I try to appeal it by calling the telemarketing agent and they did try to appeal for me but the results was unsuccessful. The agent told me because I did not meet the bank guidelines.
I really don't understand. Anyone here know the reason?

Some Bank CS told me they calculate base on S$2500 = RM2500 but that also doesn't makes sense. How about if I am working is Japan and I am earning 150000 yen (around RM6000++)? Don't tell me also 150000 yen = RM150000? It will be a joke.

Hi CHAS,

Does it mean that my CCRIS score is very low now base on my situation? Honestly now I am very comfortable with my financial position, even so, they rejected my application. I even suggested to place an FD for a secured credit card but the CS said is no longer applicable. So, there is absolutely no way I can get the card ? Any suggestion or advise ?

Me too.
topped up rm50 at starbux Borders eCurve on last Saturday, got RM10 cashback today.

omg? end of the month yet RM30k quota still not yet reached?
btw, I thought ocbc planned to revamp their website last week? why I still find it the same?

Can I just email them the form together with my payslips to apply? This is the correct email add right? The online application is just a form for us to fill our phone num for them to contact us. And their nearest branch to me is quite a distance.

cap@ocbc.com

does reload digi prepaid from shop.digi.com.my using ocbc Ti get 5% rebate?

Should I appeal ? Kinda waste my time. Need to fax them some more. Can't email

Hi guys just got my card and activated. How do I pay for my credit card bills through online banking? Do not have an account with OCBC though. Only have an account with Public Bank. Can I pay for the OCBC card through public bank online banking service?

oh..no wonder u can get 2 house loan, u report to lhdn that u rent it out..

i assume alot of ppl don't do that 

I'm gonna send in appeal letter too.
Just got my CCRIS and I'm super duper clean. Bloody OCBC

Not really la. Clean as in over the last 12 months, I don't owe or late payment for any of my cc or car loan

Only car loan. That's it
And the car loan not even 1/5 of my salary

credit card limit, 3 x of your salary per card ?

Bad day today. Wanted to make payment of my TNB bill around 600 with my OCBC CC, forgot to switch ended up using my current a/c. 

Now I know why I got rejected already.
They (OCBC fellow) are rejecting your application if your first card / credit limit is way below their requirement.

Eg :  if your first card is 5k credit limit. Take the 5k divide by 3 (making assumption that the credit limit is 3 times your salary) and you will have there about 1.5k. And 1.5k x 12 = RM 18k per annum, definitely REJECT

And I find it stupid. First card in life, and fresh graduate, expect to have 20k credit limit ?

Anyway, that's how they evaluate and how they approve your card.
And CCRIS even clean also won't help anything. Even you provide 3 months pay slip also they won't evaluate you using the payslip. That's what I had been told tho. They will still refer back to your credit limit per card !

However, I always inform them in advance just in case.

I wonder there should be a list that show which shop or branches categorized as 5% discount or 1% disc. Seem like ocbc not really transparent to cc users

just to confirm, the cash back bonus on telco will get it in Nov??