my OCBC Ti gives the highest credit limit, slightly higher than Maybank which was beyond my expectation

For yr first approval or u apply for CL increase??

first time approval

i submitted the same document to MBB for credit limit increase, in the end OCBC still gave slightly higher limit on first time approval

This post has been edited by nothingz: Jan 25 2013, 11:07 PM

Oh I see, maybe yr payment manner is good so they offer more CL for you.

I think this is one of the possible right?

Isn't it normal to have higher CL for OCBC?
I have seen quite a number of people reported here before having higher CL compared to their Maybankard2card.
I'm one of them too, during my card approval, they already gave me higher CL.

What do you mean by payment manner is good? Did you mean yours is not good?
Holding credit cards requires discipline.

Haha, CL high or low doesn't matter for me, as long as the CL is enought and no late payment is made..

I mean there is no late payment is made so bank offer high CL for card holder

my payment record for other card is good.. no late payment and etc... my CCRIS also 0... and my annual income is way higher than the minimum requirement... that is why i wonder why the credit limit given is too low.. just like a normal gold card

Exactly.
I don't really ask for high CL anyway, since they gave it to me. I just accepted.
I don't think that is one of the criteria to be considered for higher CL.
I have never paid late for any of my credit card payment yet my Maybank CL is pretty low.
Anyway, I can't blame them as it was based on my income 2 years ago when I was offered by them. I guess it is time to update them and to upgrade my CL.

This post has been edited by fruitie: Jan 26 2013, 01:57 AM

my payment is always on time so far. if you are not satisfied with the credit limit, you may ask for an increase after a year or so

Ya me too, no late payment is made by me, currently is okay for CL, but might request for increase CL after year passed just for in case is needed

if they offer higher CL just accepted it for sure. No one request decrease for high CL? But just in case

But another thing that I was thinking, if the CL higher in this card, the rebated amount only for RM50 which spend for RM5000 right, even higher CL also no use haha... Suppose to be request increase CL for another cards, at least they still have point rewarding when spending.

Some ppl getting higher CL but some ppl getting low CL even no late payment is made..

No idea how is The bank classify for this category of CL? Is determine in term of??

To gain the full benefit of this card, go for the 5% catogery. Then only RM1000 will give you max RM50 rebate dy

I saw there are users who wanted a lower CL.

Yes, but I tried so hard that my mixed 1% and 5% max rebate is just RM 43.

what is the minimum cash balance (i.e. after deduct all commitment) require from OCBC bank for titanium card?

cl is normally 3x or 4x ur average monthly salary

that's right... but ocbc gave me less than 2 times my salary which is weird

I used to have a higher CL from OCBC...but, i request to decrease it to half as I don't used the card when i reached 1k..plus, my ocbc ti have been hijacked by other to used at the hotel for 3k...ocbc took 3 months to investigate this after i report,and the worst part is ocbc take the fraud transaction as if i'm using the card...thus, for the month itself ocbc assume i used 4k...i just paid 950 as per usage minus the rebate...lucky they didn't cherged me the interest for the fraud case...but they hold it for so long for investigation

Since this card having max cashback Rm50 per month, what is the purpose for having high CL?

maybe u have multiple credit cards? so meaning u want ur CL capped at 1000? what happens if emergency or u go oversea? bring cash ar?