Lowyat.NET -> Finance, Business and Investment House -> Credit Cards, Debit Cards, Prepaid Cards and Loyalty CardsCredit Cards OCBC Titanium MasterCard Cash-Back v2, 5% or 1% Cash-back rebates ??
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 Jan 16 2013, 05:05 PM
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#1
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Senior Member
6,483 posts Joined: Apr 2012 
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QUOTE(stuffx @ Jan 15 2013, 03:24 PM) finally got a call from ocbc saying my application has been approved.. rejected 2 times before without explanation How long you go to apply again after get rejected? I mean within 3 times?  I was get rejected too for first application, definetely will go to apply again |
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Jan 25 2013, 10:40 PM
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#2
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Senior Member
6,483 posts Joined: Apr 2012
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QUOTE(nothingz @ Jan 25 2013, 10:36 PM) my OCBC Ti gives the highest credit limit, slightly higher than Maybank which was beyond my expectation For yr first approval or u apply for CL increase?? |
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Jan 26 2013, 01:04 AM
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#3
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Senior Member
6,483 posts Joined: Apr 2012
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QUOTE(nothingz @ Jan 25 2013, 11:05 PM) first time approval Oh I see, maybe yr payment manner is good so they offer more CL for you. i submitted the same document to MBB for credit limit increase, in the end OCBC still gave slightly higher limit on first time approval I think this is one of the possible right?  |
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Jan 26 2013, 01:24 AM
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#4
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Senior Member
6,483 posts Joined: Apr 2012
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QUOTE(fruitie @ Jan 26 2013, 01:08 AM) Isn't it normal to have higher CL for OCBC? Haha, CL high or low doesn't matter for me, as long as the CL is enought and no late payment is made.. I have seen quite a number of people reported here before having higher CL compared to their Maybankard2card. I'm one of them too, during my card approval, they already gave me higher CL. What do you mean by payment manner is good? Did you mean yours is not good?  Holding credit cards requires discipline. I mean there is no late payment is made so bank offer high CL for card holder |
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Jan 26 2013, 11:46 AM
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#5
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Senior Member
6,483 posts Joined: Apr 2012
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QUOTE(nothingz @ Jan 26 2013, 10:11 AM) my payment is always on time so far. if you are not satisfied with the credit limit, you may ask for an increase after a year or so Ya me too, no late payment is made by me, currently is okay for CL, but might request for increase CL after year passed just for in case is needed  |
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Jan 26 2013, 11:55 AM
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#6
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Senior Member
6,483 posts Joined: Apr 2012
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QUOTE(fruitie @ Jan 26 2013, 01:56 AM) Exactly. I don't really ask for high CL anyway, since they gave it to me. I just accepted. I don't think that is one of the criteria to be considered for higher CL. I have never paid late for any of my credit card payment yet my Maybank CL is pretty low. Anyway, I can't blame them as it was based on my income 2 years ago when I was offered by them. I guess it is time to update them and to upgrade my CL. if they offer higher CL just accepted it for sure. No one request decrease for high CL? But just in case But another thing that I was thinking, if the CL higher in this card, the rebated amount only for RM50 which spend for RM5000 right, even higher CL also no use haha... Suppose to be request increase CL for another cards, at least they still have point rewarding when spending. |
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Jan 26 2013, 12:00 PM
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#7
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Senior Member
6,483 posts Joined: Apr 2012
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QUOTE(stuffx @ Jan 26 2013, 01:34 AM) my payment record for other card is good.. no late payment and etc... my CCRIS also 0... and my annual income is way higher than the minimum requirement... that is why i wonder why the credit limit given is too low.. just like a normal gold card Some ppl getting higher CL but some ppl getting low CL even no late payment is made.. No idea how is The bank classify for this category of CL? Is determine in term of?? |
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Jan 26 2013, 01:55 PM
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#8
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Senior Member
6,483 posts Joined: Apr 2012
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QUOTE(titanic_crash @ Jan 26 2013, 01:01 PM) I used to have a higher CL from OCBC...but, i request to decrease it to half as I don't used the card when i reached 1k..plus, my ocbc ti have been hijacked by other to used at the hotel for 3k...ocbc took 3 months to investigate this after i report,and the worst part is ocbc take the fraud transaction as if i'm using the card...thus, for the month itself ocbc assume i used 4k...i just paid 950 as per usage minus the rebate...lucky they didn't cherged me the interest for the fraud case...but they hold it for so long for investigation So yr balance now still got 3k there?Under investigating now or the result has already out? |
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Jan 29 2013, 01:12 PM
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#9
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Senior Member
6,483 posts Joined: Apr 2012
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QUOTE(peri peri @ Jan 29 2013, 12:28 PM) OCBC best use for my CNY grocery buy during weekday. Imagine buying any grocery goods with 5% rebate. how cool is that. Exactly, this is the best always use during weekday, but weekends is different  |
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