same situation. my application got rejected

supp AF

if u don't provide bank statement, u can provide epf statement

My OCBC cc always uses its max of RM 1000 for my utility pyt (auto debit). Any other payments (e.g. insurance premium) will be using other cards to earn the points or rebate. The one I m going to pay is the insurance premium.

Anyway, thanks for the advice.

since you mention that your OCBC card is used for utilities, no harm paying upfront through the online billing as your utility statement will be deducted after that also.

I'm not too sure about this, sorry.
I don't have any supplementary card, can wait for others to reply or you can check with OCBC CS directly.

Thanks for the clarification.


Just noticed in OCBC portal that I got RM68 yearly fees waived and RM50 GST waived. It has been wonderful 1st year with OCBC-Ti
Hope can maintain spending RM12k per year to continue getting this waived..

RM 10k enough already.
Or you want to maximize RM 50 rebate every month.

Thanks. Its RM10,000 and not RM12,000. More reason to keep this card despite this is the year to cut all unnecessary credit card. Only to keep M2C and OCBC-Ti.

Those two cards are the one I keep as well.

I have cut down all the cards and only left with these two, can't find any better cards at this moment that matches with my puny salary range.

May i know the appeal for approving this card will be difficult? Btw, my salary is fulfill their requirement.

This post has been edited by jtcs87: Jun 7 2013, 10:41 AM

OT little bit. Is there any other card that can offer better cash back than these 2 cards if salary is not an issue?

Look up HLB Wise card and UOB one card if they fit your need.

garret popcorn not under 5% rebate group

hi...is there flexi plan available for this OCBC card? i found from OCBC website about flexi plan where we can choose 10 months or 20 months but then i cannot find the date of the promotion...so not sure if they is old promo or new ones....if no one knows..i guess i'll just call up the customer service... thanks..

Hi guys, I just got my card. I wonder what is "finance charges". 15% pa in interest charge on the 13 month for card members who make prompt payment for 12 consecutive months means? Is it mean after a year using the card I will be charge 15% of interest rate of total spending? Lol

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This post has been edited by gsc: Jun 7 2013, 11:07 PM

If you pay all before or on due date, zero finance charge..

If statement balance RM2000 and pay only RM 100 on due date, balance RM1900 will be subjected to 15% pa finance charge..

If I pay every month on time no charges will be implement?

This post has been edited by crusher: Jun 7 2013, 11:14 PM