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Credit Cards OCBC Titanium MasterCard Cash-Back v2, 5% or 1% Cash-back rebates ??

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fruitie
post May 12 2012, 09:27 PM

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Activated my card today and used it straight away to buy some baby stuffs and swiped in GSC for free movie ticket. biggrin.gif

Apparently the sealed envelope is not for the pin... laugh.gif Now I need to wait again. biggrin.gif

Nice card. rclxms.gif

fruitie
post May 12 2012, 11:49 PM

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QUOTE(Human Nature @ May 12 2012, 11:45 PM)
i bet the sealed envelope is for the RM 28 rebate for GSC  biggrin.gif
*
No, just telling me that my card was approved... sweat.gif
The GSC rebate was told by my agent, if I didn't get, I'll sound my agent. laugh.gif
Bought 5 tickets today, watched movie with cousins. 1 of them was free and 2 will be free after deducted from the RM 28 rebate. Eventually will only pay for 2 tickets. brows.gif
fruitie
post May 14 2012, 06:00 PM

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QUOTE(Zer0 c00L @ May 14 2012, 05:57 PM)
lol they didn't even ask for EPF, i submitted 3 months salary and Bank statement along with the usual usuals...
*
My appeal request required me EPF statements.
fruitie
post May 14 2012, 07:37 PM

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QUOTE(iVW @ May 14 2012, 07:25 PM)
just remember good thing does not come easily smile.gif That's what i told myself while appealing and now am enjoying every spending thru OCBC Ti
*
Well, I think nobody beats my experience. One of the most classic cases here. laugh.gif
Anyway, now I'm contented. Finally got my card. biggrin.gif
fruitie
post May 14 2012, 09:01 PM

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QUOTE(iVW @ May 14 2012, 07:42 PM)
great one, i do remember i submitted my form later than yours. mine appealed for one time and i just hand on the letter with my address and name on it, there gets approved.

fruitie is extraordinary exception case, which struggled for multiple application resubmission.
*
Well, I only appealed once but somehow I think my agent didn't help me to follow up and I was also busy due to work commitment. So, I'm not sure how this thing was stuck since 17th April 2012!
Then, I have decided to call them up one fine Friday and got my approved the following Monday. biggrin.gif

QUOTE(beyond86 @ May 14 2012, 08:33 PM)
Hi, how you all do the appealing when got rejected from OCBC?
by email? if yes, need email to which address?
*
Well, I just used the self-service menu via the hotline. smile.gif
fruitie
post May 15 2012, 08:31 AM

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QUOTE(then_then @ May 15 2012, 12:11 AM)
Ocbc Bank will be introducing a new program specially for fresh graduates (new to workforce) to get Ocbc Titanium card.

Targeting markets are as below:

1) Below 28 years old
2)  Degree holder & above
3)  Not credit card holder or using credit card less than 6 months
4) Gross salary equal or above RM 2500 per month

P.S: For those who has been rejected but fulfill requirements above can re-apply under this new program.

*
Finally OCBC is doing something about it. tongue.gif
So, what's the name of this credit card and what are the great things about it? biggrin.gif

This post has been edited by hye: May 15 2012, 09:28 AM
fruitie
post May 19 2012, 07:35 PM

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I still didn't receive the pin number and called to OCBC CS just now, they will resend again.

Managed to check my statement date and due date with the guy.

Statement date: 13th of the month
Due date: 1st of the following month

I tried to change my due date because I'll use GIRO and usually pay my CC at one shot when my salary is out at the end of the month but the guy said once I change it I'll lose all the promotions for my Titanium... sad.gif

The GST is already charged to my card by the way...
fruitie
post May 19 2012, 07:43 PM

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QUOTE(David83 @ May 19 2012, 07:41 PM)
All the promotions for my Titanium? What kind of promotion?
*
I don't know... Probably the buy 1 free 1 at GSC, the 20% at The Curve? I didn't ask much.
In the end, I didn't change it also.
So, I can't have heavy transaction for my OCBC Ti. laugh.gif
fruitie
post May 19 2012, 10:18 PM

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QUOTE(ronnie @ May 19 2012, 10:04 PM)
That's not very very true.
Changing Statement Date does not affect any OCBC promotions. You don't get selected promotion because you do not match their criteria.
*
Is it? Let me call again tomorrow and hopefully another person picks up my call and I'll ask the same thing again.
TBH, to have due date on every month's 1st is very inconvenient for me. Thanks for the heads-up. biggrin.gif
fruitie
post May 19 2012, 11:58 PM

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QUOTE(ronnie @ May 19 2012, 11:49 PM)
It's their SOP to tell you not to change the Statement Date...
*
So how can I convince them to allow me to change? Actually can a customer request to change statement date?
fruitie
post May 20 2012, 01:34 AM

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QUOTE(David83 @ May 20 2012, 12:13 AM)
Not sure with OCBC but for MBB, it's allowable. I believe it's just a small matter.
*
Ya, I think I changed my MBB as well.

QUOTE(tbheng @ May 20 2012, 12:30 AM)
Hmmm, sorry to ask: Isn't having due date on 1st of month meeting your objective of "pay my CC at one shot when my salary is out at the end of the month"? Why would it be "inconvenient"? I am in the same boat as you. So I pay a couple of days before due date which is end of month after my pay is out. smile.gif
*
At this moment, as a contract staff, my salary will be out only on the 29th. I use GIRO, and it needs time to transfer the fund to OCBC. For small value of amount, I don't mind to pay earlier but what if it is a huge amount? I might need my salary to cover up a little bit. smile.gif Not too common though, after 3 years of using CC, not even once I need my salary to cover up. Just in case. biggrin.gif
Anyway, I'll be converted to permanent staff and my salary will be out every month's 20th or 1-2 days earlier.
Guess, I'll need to bear with it for temporarily if I decide not to change the statement date eventually. smile.gif

QUOTE(zenquix @ May 20 2012, 01:04 AM)
@fruitie: they said same thing. I insisted on changing. i still get promotion smses. The promotion they meant i think are the "brochures" icause you will get them late tongue.gif
*
I see. OK, now I'm pretty relieved. Thanks. biggrin.gif I only hope to have my statement date every month's 16th. smile.gif

This post has been edited by fruitie: May 20 2012, 01:36 AM
fruitie
post May 20 2012, 02:24 PM

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QUOTE(cempedaklife @ May 20 2012, 08:58 AM)
i'm planning to get my statement day delay by one or two days too...

I've 2 insurance policy that are billed quarterly, it's a pain in the arse that both got billed on the same statement month, one of them billed on the last day of my statement  doh.gif

btw, anyone know how to opt for not receiving hard copy statement? at this age, i'm more and more conscious on reducing paper usage, and those statement really as of no use to me, every month tore them up and throw them away makes me feel bad...

i've already disabled most of my monthly expenses that send me statement, left ocbc only...
*
I asked already, the fellow told me only physical statement for now...

QUOTE(aeiou228 @ May 20 2012, 11:10 AM)
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?
*
Nope, you got me wrong. My OCBC statement date's good but just that I want 1-2 days delay only. For GIRO purpose. hmm.gif
fruitie
post May 20 2012, 03:22 PM

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QUOTE(aeiou228 @ May 20 2012, 03:20 PM)
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.
*
Oh!!! That's cool, then I don't need to change already. biggrin.gif biggrin.gif
Thanks. biggrin.gif
fruitie
post May 20 2012, 03:52 PM

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Of course I'll pay on 29th but just afraid if I only do it in the evening, then will delay my payment. biggrin.gif

No issue now. biggrin.gif
fruitie
post May 20 2012, 05:50 PM

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QUOTE(aeiou228 @ May 20 2012, 05:35 PM)
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. icon_rolleyes.gif
*
Alright, thanks for the info!
But I'm not going to take the risk, hopefully the fund will reach OCBC before due date. biggrin.gif

QUOTE(cempedaklife @ May 20 2012, 05:44 PM)
hey fruitie,

i called the CS just now too.

yeap, only hardcopy statement is available now...want to disable pun tak boleh, not that i want opt for my statement to be emailed  doh.gif

on the "not getting promotion" if change statement date, the CS clarified that you just dun get the promotion brochures/leaflets together with ur statement by mail, like what we usually get, however you are still eligible for those promotions.
*
Yeah, they still don't have e-statement.. sweat.gif
Oh, that's a small problem. Good info for other newbies like me. blush.gif
fruitie
post May 21 2012, 05:44 PM

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QUOTE(cempedaklife @ May 21 2012, 05:31 PM)
actually...shud use mbb amex as priority on weekends 5% + 5x TP = win ocbc  biggrin.gif
*
Exactly, if only Sushi Tei accepts AmEx... sad.gif
In the end, I used my OCBC Ti to swipe yesterday. biggrin.gif
fruitie
post May 25 2012, 05:52 PM

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QUOTE(ojchong @ May 25 2012, 04:51 PM)
The application status = "Card is under processing" meaning approved or can be rejected?
*
Can be rejected. smile.gif
Mine was from that status changed to "card is pending for documents" then after complaint only "card is approved" laugh.gif
fruitie
post May 25 2012, 10:56 PM

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QUOTE(chrono7 @ May 25 2012, 06:42 PM)
Got my card finally  rclxm9.gif  First card and first time apply, semi-fresh grad smile.gif.

It took about 3 weeks from application till card arrival. The delay part was at the pending document as the agent didn't inform me that I need to submit a document.

Activation is pretty direct. Now waiting for the PIN to arrive. Any idea usually how long it takes to reach?
*
My PIN took more than 14 days, during my 11th day, I felt something amiss. Called them up, they resent again. My mum just received it today.
I will register mine later. biggrin.gif
Oh and the first PIN came only on Wednesday but too bad the new PIN will supersede the old PIN.
So be patient. biggrin.gif

QUOTE(shamsay @ May 25 2012, 07:33 PM)
my application got rejected..just received the mail from OCBC yesterday..why they reject my application?i already have cc with other 3 bank.is it because of this?
*
They can't really reveal the rejection reason, so I think the best thing you could do is to appeal now.

This post has been edited by fruitie: May 25 2012, 10:56 PM
fruitie
post May 28 2012, 11:24 AM

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QUOTE(888kb24 @ May 28 2012, 11:18 AM)
how do u guys make payment to credit card? via Maybank2U can?
*
Can. smile.gif
fruitie
post Jun 1 2012, 02:41 PM

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QUOTE(kurtkantoi @ Jun 1 2012, 02:39 PM)
Called OCBC's CS.
They approved my application on 30th May 2012. According to CS, they will send my card via normal mail within 8-10 days after my card approved. After received the card, I need to call them to activate the card. Is that the normal way?
*
Yes. smile.gif
Easy peasy to activate. smile.gif

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