are you sure? i thought they take my monthly commitment as ocbc credit card bank told me car and house commitment calculation.

Sorry..tat one is for cards only..tat mean they will calculate ur month housing car loan + 5% of ur cards outstanding as ur commietment..total commietment can't excess ur net income 70 or 80%...

P.s: if ur card don't hv any outstanding they will take 5% of ur credit limit as ur monthly commietment as well..

ngam ngam rm15k spending on my OCBC CC, will call up CS for special offer

may i know what kind of special offer for this?

And this calculation is based on?

I mean, any proof on whether they really use this method or is it just a mere guess?

will reveal after i manage to get it. stay tune

Hi, i received this sms

OCBC Cards: TQ for support! U hv been rewarded 2 invites to 2013 Fengshui & Watch sale on 2/2@SimeDarby Conv Ctr. Call Contact by 31/1

What is this? attend talks only? no gift no nothing?

thanks for clarification.

This card is so hard to apply, rejected once when applied thru online, problem with their system, using very previous very low salary, straight reject. Applied second time , reject again. Tried letter of appeal, then they said they cannot accept.told me to Try again after three months.

Wait till Your Salary Increase to $36,000 per Annual baru Apply...

Income more than 36k. Can anyone share the reject case whether approve or appeal stage. I read thru all this post , so confused and did not keep track. Is this card considered the hardest credit card bank to apply??

For me this was one of the easiest.

I got rejected because my other credit card limit is not high enough

How Much Credit Limit was consider HIGH... 10k ???

First time you apply online, they check your previous credit card. And will not take ur current salary

By Hand... Never apply Online,
I don't have OCBC Tit... but plan to Get one later

Credit cards: banks will not give it to ppl who really needs it, but gives it to ppl who doesnt need it

This son, I HAVE to agree with you

I know a person that earns less than the amount needed and in tonnes of debts, but the bank still offers him a CC

So Cheers.

You do know, you can apply another CC so don't be too dishearten.

Yea i know, but i missed all the excitement ppl had with their ocbc titanium card here. Seems like i visit this post more than others

Not 100% of them like... Sometimes You also Need Some Luck on that...

As I said before, I have Out Work more 10 Years already & just Have my 1st CC 2 years Ago....
Before that... I carry my Debit Card around me to many places (overseas)...I never Rush to have Credit Card