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Credit Cards OCBC Titanium MasterCard Cash-Back v2, 5% or 1% Cash-back rebates ??

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LostAndFound
post Jan 18 2013, 05:39 PM

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Basically almost all dining will give except a few like in bookstore (read OP). No need such app. So far I haven't even encounter one dining didn't give me 5%
simplesmile
post Jan 18 2013, 07:11 PM

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Thank you smile.gif

QUOTE(then_then @ Jan 18 2013, 11:56 AM)
Go to Carrefour, giant, tesco top up then u can get 5% rebate as well..
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QUOTE(cempedaklife @ Jan 18 2013, 03:55 PM)
http://www.hotlink.com.my/web/portal/hotlink/Topup_HTU_SA_en

apparently, there's one from digi as well...which my sis actually use, and confirm get 5% for ocbc...

hotlink, not sure yet.  smile.gif
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-Matrix-
post Jan 18 2013, 09:51 PM

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QUOTE(maxgenesis @ Jan 18 2013, 08:08 PM)
contact me.. 100% thumbup.gif
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hello maxgenesis,

thanx for the offer - may i know if you're ocbc authorized agent? how do i know you're not a scammer hmm.gif

cheers ... biggrin.gif

This post has been edited by -Matrix-: Jan 18 2013, 09:51 PM
jeff_v2
post Jan 18 2013, 10:39 PM

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anyone here successfully apply and get the luggage bag?
and hidden trick behind this promo, got cheated by citi b4 this almost the same promo... never disclosed the t&C
wild_card_my
post Jan 19 2013, 12:18 AM

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Guys, any promotion going on when applying for this card?

Better to apply through agent or online or bank?

and this one what is the minimum income? RM24k or 36k?

This post has been edited by wild_card_my: Jan 19 2013, 12:21 AM
fruitie
post Jan 19 2013, 12:28 AM

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QUOTE(wild_card_my @ Jan 19 2013, 12:18 AM)
Guys, any promotion going on when applying for this card?

Better to apply through agent or online or bank?

and this one what is the minimum income? RM24k or 36k?
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Not sure about promotion because I didn't really bother it.
The benefits are considered as "long term" promotion for me. smile.gif
36k but with strict filtering. smile.gif

So, don't be disappointed if get rejected. Just try again.
I got rejected once when I already earned more than 48k/annum that time.
gsc
post Jan 19 2013, 02:23 AM

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QUOTE(Titan_Gunners @ Jan 17 2013, 08:33 AM)
Pls discuss for CC related topic only. You may head to Home and renovation thread, there are specific thread on this issue.
Mainly due to their new billing practice since last year. 1 month using estimate bill, 2nd month using actual bill.
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TNB is cheating all the customers by using 1 month =31 days to calculate the step rate of electricity bills instead of using the actual number of days in a month.
kenlui
post Jan 19 2013, 08:16 AM

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Just got my rejection letter. Took abt a week for them to reject my application. Probably because I dont have any loans with any banks. Gonna give the agent another chance, if it fails again that's it. Rejecting my application because I dont have a loan is riddiculous. Not having a loan doesnt mean I cant settle my monthly bills on time.

This post has been edited by kenlui: Jan 19 2013, 08:59 AM
-Matrix-
post Jan 19 2013, 09:28 AM

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QUOTE(wild_card_my @ Jan 19 2013, 12:18 AM)
Guys, any promotion going on when applying for this card?

Better to apply through agent or online or bank?

and this one what is the minimum income? RM24k or 36k?
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hello wild_card_my,

here's the promotion that i noticed, and hence my queries on how to promotion gift since i'm interested with the card as well ... brows.gif

http://www.ocbc.com.my/personal-banking/Cards/index.html

cheers ...
wild_card_my
post Jan 19 2013, 10:17 AM

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QUOTE(fruitie @ Jan 19 2013, 12:28 AM)
Not sure about promotion because I didn't really bother it.
The benefits are considered as "long term" promotion for me. smile.gif
36k but with strict filtering. smile.gif

So, don't be disappointed if get rejected. Just try again.
I got rejected once when I already earned more than 48k/annum that time.
*

Strict huh? Okay, thank you for the heads up.

Btw, if rejected how long gotta wait to reapply?

QUOTE(kenlui @ Jan 19 2013, 08:16 AM)
Just got my rejection letter. Took abt a week for them to reject my application. Probably because I dont have any loans with any banks. Gonna give the agent another chance, if it fails again that's it. Rejecting my application because I dont have a loan is riddiculous. Not having a loan doesnt mean I cant settle my monthly bills on time.
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As a banker (mortgage), I'd say if you do not have any CCRIS history, no one would know how your repayment habit is. Do you have any non-bank loans that you pay? Like PTPTN, etc? You can use that as an appeal you know?
Titan_Gunners
post Jan 19 2013, 11:44 AM

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QUOTE(kenlui @ Jan 19 2013, 08:16 AM)
Just got my rejection letter. Took abt a week for them to reject my application. Probably because I dont have any loans with any banks. Gonna give the agent another chance, if it fails again that's it. Rejecting my application because I dont have a loan is riddiculous. Not having a loan doesnt mean I cant settle my monthly bills on time.
*
Bank have their guideline for risk management.
Lack of credit history also consider rick for banks.
Thus, just give a try as this indeed a must have cc by now.
-Matrix-
post Jan 19 2013, 12:04 PM

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hello senior/experienced forumners,

can someone advice on the authentication of users from this forum who claim they're ocbc staffs and can help with the application?

i supposed ocbc staffs would be experience enough about the "lobang" on how to increase the success rate, so if anyone who had their cards done by such users here, it would help me to shed my uncertainties about their identity ...

cheers ...
chloe999
post Jan 19 2013, 12:26 PM

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QUOTE(kenlui @ Jan 19 2013, 08:16 AM)
Just got my rejection letter. Took abt a week for them to reject my application. Probably because I dont have any loans with any banks. Gonna give the agent another chance, if it fails again that's it. Rejecting my application because I dont have a loan is riddiculous. Not having a loan doesnt mean I cant settle my monthly bills on time.
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I have car loan and this is 3rd bank i applied but got rejected and my agent couldnt get any reason ..
ridiculously , UOB called me next 3 days n offer me their cards ==
chiahau
post Jan 19 2013, 01:01 PM

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QUOTE(Titan_Gunners @ Jan 19 2013, 11:44 AM)
Bank have their guideline for risk management.
Lack of credit history also consider rick for banks.
Thus, just give a try as this indeed a must have cc by now.
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Yeap.

Blame the actuarial that calculated your risk factor laugh.gif

Tbh la, the more debt you are in, the more inclined the bank to provide you a credit card.

QUOTE(-Matrix- @ Jan 19 2013, 12:04 PM)
hello senior/experienced forumners,

can someone advice on the authentication of users from this forum who claim they're ocbc staffs and can help with the application?

i supposed ocbc staffs would be experience enough about the "lobang" on how to increase the success rate, so if anyone who had their cards done by such users here, it would help me to shed my uncertainties about their identity ...

cheers ...
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Staffs so what? I rather not take the risk, besides applying credit card requires plenty of personal information that might cause problem for me in the future.

My advice is to proceed with care.

If you really want, meet them at the branch they are supposed to work at and fill the application on the spot with them, I guess.

QUOTE(chloe999 @ Jan 19 2013, 12:26 PM)
I have car loan and this is 3rd bank i applied but got rejected and my agent couldnt get any reason  ..
ridiculously , UOB called me next 3 days n offer me their cards ==
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Don't worry, some banks are like that. Just appeal, if not, move on and wait for them to offer you.
kenlui
post Jan 19 2013, 01:03 PM

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QUOTE(wild_card_my @ Jan 19 2013, 10:17 AM)
Strict huh? Okay, thank you for the heads up.

Btw, if rejected how long gotta wait to reapply?
As a banker (mortgage), I'd say if you do not have any CCRIS history, no one would know how your repayment habit is. Do you have any non-bank loans that you pay? Like PTPTN, etc? You can use that as an appeal you know?
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No. My studies were funded by my parents completely.

QUOTE(Titan_Gunners @ Jan 19 2013, 11:44 AM)
Bank have their guideline for risk management.
Lack of credit history also consider rick for banks.
Thus, just give a try as this indeed a must have cc by now.
*
I ady have the maybank2card. This is just to supplement my amex but well I can always go for UOB if I get rejected again.

QUOTE(chloe999 @ Jan 19 2013, 12:26 PM)
I have car loan and this is 3rd bank i applied but got rejected and my agent couldnt get any reason  ..
ridiculously , UOB called me next 3 days n offer me their cards ==
*
Actually UOB called me the same day I submitted my application for OCBC. Will apply from them if OCBC rejects me again.
WhitE LighteR
post Jan 19 2013, 01:45 PM

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QUOTE(kenlui @ Jan 19 2013, 08:16 AM)
Just got my rejection letter. Took abt a week for them to reject my application. Probably because I dont have any loans with any banks. Gonna give the agent another chance, if it fails again that's it. Rejecting my application because I dont have a loan is riddiculous. Not having a loan doesnt mean I cant settle my monthly bills on time.
*
welcome to the real world... laugh.gif it sounds ridiculous for me as well last time. but it is what it is... so i just have to deal with it..
zenquix
post Jan 19 2013, 02:20 PM

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most banks required some sort of credit history before they are willing to give a credit card (term: unsecured loan). This is worse in the US.
WhitE LighteR
post Jan 19 2013, 03:21 PM

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QUOTE(zenquix @ Jan 19 2013, 02:20 PM)
most banks required some sort of credit history before they are willing to give a credit card (term: unsecured loan). This is worse in the US.
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How is it in the US?
mohdshafie00
post Jan 19 2013, 04:00 PM

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QUOTE(simplesmile @ Jan 18 2013, 10:21 AM)
Is there anywhere I can use credit card to buy Hotlink top-up card?
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top up online available thru hotlink webpage
simplesmile
post Jan 19 2013, 07:45 PM

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Thanks.

QUOTE(mohdshafie00 @ Jan 19 2013, 04:00 PM)
top up online available thru hotlink webpage
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