Yesterday, I bought 4 GSC tickets for the price of 2 only. Must buy 1 free 1 separately using OCBC and Mbb Amex respectively.
Credit Cards OCBC Titanium MasterCard Cash-Back v2, 5% or 1% Cash-back rebates ??
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 May 19 2012, 08:40 PM
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5,867 posts Joined: Feb 2006 
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May 20 2012, 11:10 AM
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#2
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QUOTE(fruitie @ May 20 2012, 01:34 AM) Ya, I think I changed my MBB as well. Don't change fruitie. Your ocbc statement date is 13th and your Mbb is month end and this is the perfect combination for a better spending management and planing to max up the rm50 cash back for each card. Just give a thought over this question: You want 30+13 days to plan your spending and max up rm100 cash back or you want a shorter 30 day to max up rm100 cashback for both cards? This post has been edited by aeiou228: May 20 2012, 11:12 AM |
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May 20 2012, 03:20 PM
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#3
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QUOTE(fruitie @ May 20 2012, 02:24 PM) Nope, you got me wrong. My OCBC statement date's good but just that I want 1-2 days delay only. For GIRO purpose. In that case, you don't even need to change date. Giro can be cleared in the next day if u transfer it in the morning. Also, ocbc allows 5 days grace without penalty interest charge after the due date. This post has been edited by aeiou228: May 20 2012, 03:22 PM |
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May 20 2012, 03:48 PM
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#4
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QUOTE(tbheng @ May 20 2012, 02:14 PM) Nice thought... I have similar thinking for a while too...just for sharing... Beginning of every calendar mth, i will only use amex as 1st priority card and ocbc is backup card. When the amex cash back max up, ocbc takes over amex for the 5% cash back merchant only till rm50 max up. I listed 3 objectives for consideration: 1. ease of monthly expenses analysis 2. full payment of cc statement after payday 3. available cash rebates round the month My thinking of the above 3 objectives: 1. I feel like having all my cc statement date as month end to ease monthly expenses analysis as all expenses are total by each calendar month.  2. If all my cc due date just a few day after my payday. This will maximise cashflow. I use to hold some amount, says 2-3k after payday waiting to clear the cc due at mid next month.This end up keeping fund in low yielding saving acct; as compare to moving due date to after payday. Then I can put that 2-3k into FD or other higher yielding vehicle. So, at each payday, after clearing all cc and withdraw cash for use of the coming month, I put all balance into FD or other higher yielding vehicle than the payroll acct.  3. Now that i have mbb cash back end at monthend (which cant be changed) and ocbc cash back end at 12 of month, which probably a nice cross over between the 2. e.g. if I max out mbb RM50 by mid month, then I have ocbc just recresh by 13 of month; if I max out ocbc by end month, I got my mbb refresh from 1st of month onwards...cool cross-over, huh?  After several iteration of thought, I put the priority as follow: 1. full payment of cc statement after payday -> maximize cashflow 2. available cash rebates round the month -> feel great to have cash back most of the time 3. ease of monthly expenses analysis -> analyse from current statement date to next statement date At the end i choose to have all cc due date at month end just after my payday. just my 2 cents...  QUOTE(fruitie @ May 20 2012, 03:22 PM) Oh!!! That's cool, then I don't need to change already. This lobang was never publicly published. I found it when i paid after the due date. Thanks. |
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May 20 2012, 05:35 PM
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#5
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QUOTE(a-ei-a @ May 20 2012, 05:13 PM) Confirm on the 5 days grace period? It would be 20+5=25days interest free from statement date then? There is no official policy on this from ocbc. I discovered it from my own experience with ocbc when my payment was late by 5 days n no late payment penalty charged to my account. Similar to Citibank, it gives 7 days grace after due date. I guess ocbc should be 7 days too.Pls try it at your own "risk" to give a second confirmation account on this matter in this thread. |
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Jun 28 2012, 11:39 AM
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#6
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Damn ! all this while I thought I only entitle to 1 free ticket per day at GSC as per OCBC tnc but yesterday I managed to buy two free two for vampire hunter. Too late to discovered this lobang.
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Jun 28 2012, 01:28 PM
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#7
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QUOTE(kurtkantoi @ Jun 28 2012, 12:20 PM) Yes. My OCBC-Ti agent also confirm that the 20% dining at Curve and free GSC extend until end of this year. Not twin seat. It was standard seat. I got 4 standard seats for the price of two. In one single purchase, same ticket counter, same ticketing staff, seat numbers all next to each other.Added on June 28, 2012, 12:25 pm Is it because twin seat? because to my understanding, twin seat consider as one. Or do you buy at different time but on the same day? |
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