May I know "haagen dazs" whether consider in dinning category which can get 5% cash rebate?
Credit Cards OCBC Titanium MasterCard Cash-Back v2, 5% or 1% Cash-back rebates ??
Lowyat.NET -> Finance, Business and Investment House -> Credit Cards, Debit Cards, Prepaid Cards and Loyalty Cards|
|
 Jul 24 2012, 01:10 PM
|
 
Junior Member
94 posts Joined: Feb 2008 
|
|
Quote|
|
|
|
|
Jul 24 2012, 01:16 PM
|
Junior Member
317 posts Joined: Nov 2006  
|
QUOTE(MilesAndMore @ Jul 24 2012, 01:02 PM) Sorry. My mistake there. I thought i was replying in the general credit card thread then i have SCB. but SCB also they say not provide 0%. Hmmmm ..... Anyhow, do you have any other card from other bank besides OCBC ? SenQ does provide 0% EPP for quite a few banks.  |
|
|
Jul 24 2012, 01:53 PM
|
|
Junior Member
143 posts Joined: Oct 2010
|
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? |
|
|
Jul 24 2012, 02:04 PM
|
 
Moderator
9,301 posts Joined: Mar 2008
|
QUOTE(vinothrao84 @ Jul 24 2012, 01:16 PM) i have SCB. but SCB also they say not provide 0%. Hmmmm ..... Hmm... that's weird. I remembered seeing Standard Chartered on their 0% EPP list in their brochure just about a month ago.QUOTE(winterad99 @ Jul 24 2012, 01:53 PM) 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). Try again later tonight. Probably just some problems with their system now.Do you encounter this? |
|
|
Jul 24 2012, 03:17 PM
|
Senior Member
1,573 posts Joined: Sep 2010
|
QUOTE(vinothrao84 @ Jul 24 2012, 11:50 AM) oooo ..... so ur saying that is kajang senheng not offering 0% then there is possibility that cheras senheng got offering 0% izzit ?? If memory serve me right, SenHeng is not offer 0% installment for OCBC.me new in this thing .... me donno shiet .... noob |
|
|
Jul 24 2012, 04:37 PM
|
|
Junior Member
143 posts Joined: Oct 2010
|
QUOTE(MilesAndMore @ Jul 24 2012, 02:04 PM) Hmm... that's weird. I remembered seeing Standard Chartered on their 0% EPP list in their brochure just about a month ago. I have tried since last week. Try again later tonight. Probably just some problems with their system now.  Just wondering anyone has the same problem here? |
|
|
|
|
|
Jul 24 2012, 05:06 PM
|
All Stars
21,313 posts Joined: Jan 2003 From: Kuala Lumpur 
|
QUOTE(jinwei83 @ Jul 24 2012, 01:10 PM) May I know "haagen dazs" whether consider in dinning category which can get 5% cash rebate? For me it wasn't counted as Dining as the MCC code was setup as Food Kiosk (refer to post #1) |
|
|
Jul 24 2012, 07:47 PM
|
|
Junior Member
104 posts Joined: May 2011 
|
QUOTE(vinothrao84 @ Jul 24 2012, 11:32 AM) guys, Ocbc got provide after sales installment, 5 months 2%, 10 month 3%, 20 month 5%...i wanna buy some electronics products like fridge and washing machine. but i want to pay in 0% interest free installment plan ... how leh? which shop should i got? any shop in cheras/kajang area provide 0% installment plan .... thxxxx |
|
|
Jul 24 2012, 09:06 PM
|
|
Junior Member
317 posts Joined: Nov 2006
|
QUOTE(then_then @ Jul 24 2012, 07:47 PM) Ocbc got provide after sales installment, 5 months 2%, 10 month 3%, 20 month 5%... so that means its not really 0% installment plan la right? ... still got 2% charge on it ... haih ... |
|
|
Jul 24 2012, 11:15 PM
|
|
All Stars
21,313 posts Joined: Jan 2003 From: Kuala Lumpur
|
QUOTE(then_then @ Jul 24 2012, 07:47 PM) Ocbc got provide after sales installment, 5 months 2%, 10 month 3%, 20 month 5%... Upfront handling fee.... good for those merchants which doesn't support 0% Easy Payment Schemes |
|
|
Jul 24 2012, 11:17 PM
|
|
Junior Member
222 posts Joined: Sep 2010
|
QUOTE(vinothrao84 @ Jul 24 2012, 09:06 PM) so that means its not really 0% installment plan la right? ... still got 2% charge on it ... haih ... What I meant earlier was you have to slowly hunt for electrical shops that offers 0% instalment.. |
|
|
Jul 25 2012, 01:43 PM
|
|
Junior Member
143 posts Joined: Oct 2010
|
Carrefour - Ampang (5% rebate) - confirmed
 |
|
|
Jul 25 2012, 04:15 PM
|
Junior Member
285 posts Joined: Nov 2011
|
QUOTE(alexis2power @ Jul 25 2012, 02:56 PM) I am currently working in Singapore earning around S$2500 (RM6000++) for almost 4 years. Explain to her patiently.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? Added on July 25, 2012, 3:38 pmSome 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. If she can't understand, find another cs. You don't have to talk to the one that originally handled your case. If fails, appeal and re-appeal, there is no shortcut. This post has been edited by Denis: Jul 25 2012, 04:17 PM |
|
|
|
|
|
Jul 25 2012, 04:33 PM
|
|
Moderator
9,301 posts Joined: Mar 2008
|
QUOTE(alexis2power @ Jul 25 2012, 02:56 PM) I am currently working in Singapore earning around S$2500 (RM6000++) for almost 4 years. Kindly refrain from posting the same post in two different threads.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? QUOTE(alexis2power @ Jul 25 2012, 02:56 PM) 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. This kind of comparison (S$1=RM1) only works for these two currencies pair.Some of the reasons i can think of as to why they rejected your application for the OCBC TMC: - You've been working in SG for close to 4 years but your monthly salary is only around S$2,500. Of course it's quite a lot if you convert it to MYR but then, they probably deduct S$1,000 from your salary. Probably they assumed that you'll need at least S$1,000 to pay for your room rental in SG, transport, foods and some basic necessities. So, that leaves you only S$1,500. S$1,500 is still quite a lot but then, you already have a credit card from Maybank and there is also a loan account that you need to pay off for 25 years. This is very likely to be the reason why you failed OCBC internal credit test score. This post has been edited by MilesAndMore: Jul 25 2012, 04:35 PM |
|
|
Jul 25 2012, 11:56 PM
|
|
Junior Member
249 posts Joined: May 2012
|
hi all ,
would like to double confirm that annual fees is waive with 12 swipe... does online payment to astro/tnb consider as 'swipe'...? |
|
|
Jul 25 2012, 11:58 PM
|
|
All Stars
26,529 posts Joined: Jan 2003
|
QUOTE(vinvon23 @ Jul 25 2012, 11:56 PM) hi all , yes would like to double confirm that annual fees is waive with 12 swipe... does online payment to astro/tnb consider as 'swipe'...? |
|
|
Jul 25 2012, 11:58 PM
|
|
All Stars
21,313 posts Joined: Jan 2003 From: Kuala Lumpur
|
QUOTE(vinvon23 @ Jul 25 2012, 11:56 PM) hi all , Yes, it is counted....would like to double confirm that annual fees is waive with 12 swipe... does online payment to astro/tnb consider as 'swipe'...? |
|
|
Jul 26 2012, 12:18 AM
|
|
Moderator
9,301 posts Joined: Mar 2008
|
QUOTE(alexis2power @ Jul 25 2012, 04:38 PM) Hi CHAS, Not your CCRIS. If you have never missed a payment to your credit card account and the loan account, then your CCRIS is perfectly fine. Just that probably OCBC sees that you have enough commitment, which is why you failed their internal credit test score. Anyway, you may try to appeal once again and tell them you d not mind a ver very low credit limit, say RM3,000. If they still don't don't approve it, then I suggest you to send in a fresh application again 6 months later.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 ? This post has been edited by MilesAndMore: Jul 26 2012, 12:19 AM |
|
|
Jul 26 2012, 10:09 PM
|
Junior Member
126 posts Joined: Oct 2005 From: KL
|
excuse me, may i know if my application was rejected and i planning to appeal so may i know beside the letter of appeal attached on 1st page then what documents else should i enclosed with the letter of appeal?
In addition, which division of OCBC bank should i email or fax to? Sorry if i am asking such noob question or repeated question but i really need ur guys assistances thanks  |
|
|
Jul 26 2012, 10:31 PM
|
|
All Stars
26,529 posts Joined: Jan 2003
|
QUOTE(Felix123 @ Jul 26 2012, 10:09 PM) excuse me, may i know if my application was rejected and i planning to appeal so may i know beside the letter of appeal attached on 1st page then what documents else should i enclosed with the letter of appeal? the email address can be found at the 1st post too. if you have any other income documents, you may attach them as well.In addition, which division of OCBC bank should i email or fax to? Sorry if i am asking such noob question or repeated question but i really need ur guys assistances thanks |
|
Topic ClosedOptions
|
| Change to: |  0.0335sec
 0.94
 6 queries
 GZIP Disabled
Time is now: 12th December 2025 - 01:14 PM |
All Rights Reserved © 2002- 2025 Vijandren Ramadass (~unite against racism~)
Powered by Invision Power Board © 2025 IPS, Inc.