I want OCBC cash back credit card, but it keep unsuccessful.
Credit Cards OCBC Titanium MasterCard Cash-Back v2, 5% or 1% Cash-back rebates ??
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 Jan 5 2013, 12:44 PM
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#1
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Senior Member
789 posts Joined: Feb 2011  
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Jan 26 2013, 12:22 PM
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#2
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Senior Member
789 posts Joined: Feb 2011
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what is the minimum cash balance (i.e. after deduct all commitment) require from OCBC bank for titanium card?
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Jan 28 2013, 10:37 AM
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#3
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789 posts Joined: Feb 2011
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no one know below question?
what is the minimum cash balance (i.e. after deduct all commitment) require from OCBC bank for titanium card? |
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Jan 28 2013, 12:06 PM
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#4
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QUOTE(then_then @ Jan 28 2013, 11:50 AM) Ocbc got special requirement for fresh graduate..as long as u r below 28 years old, degree holder, no card, no loan then 2.5k salary can apply ady..90% will approve.. my question is asking minimum monthly cash balance, not minimum salary for apply card (i.e. if i have salary RM3500, but i have a lot of commitment, e.g. car loan & housing loan, the net cash balance could be 30% of salary). I'm asking this question due to i have applied 2 times which is not successful, i believe the unsuccessful due to my commitment is too high. but i have other income can be declared which i have not declared on last 2 times i applied.  so i'm back to my question, what is the minimum monthly cash balance to apply titanium mastercard? in order to declared my extra income accordingly. |
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Jan 28 2013, 10:48 PM
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#5
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QUOTE(then_then @ Jan 28 2013, 10:37 PM) 100% confirmed... as then_then said if graduated with salary 2.5k and no loan (i.e. minimum cash balance could be 2.2k after all deduction), i need at least 2.2k minimum cash balance to apply after all commitment deduction.do you agree? |
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Jan 29 2013, 09:01 PM
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#6
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QUOTE(then_then @ Jan 29 2013, 12:43 AM) If I m not mistaken, they will count the 5% of ur total outstanding balance ( card n loan) as ur commietment..total comminetment can't exceed ur net salary 70% or 80%... are you sure? i thought they take my monthly commitment as ocbc credit card bank told me car and house commitment calculation. |
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Jan 30 2013, 10:26 PM
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#7
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QUOTE(then_then @ Jan 30 2013, 08:51 AM) 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%... thanks for clarification.P.s: if ur card don't hv any outstanding they will take 5% of ur credit limit as ur monthly commietment as well.. |
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