Cash deposit from same back or different bank?

Congrats! What a lucky person you are!

No for the first year. For second year onwards, spend RM 10k or more to get it waived.

This post has been edited by fruitie: Oct 2 2013, 08:04 PM

Guardian is not in groceries category.

That's very low. None of my cards gives that low, even when I just graduated CIMB gave me much more than that.
Anyway, you can always try to request for increase later.

Thanks for reminding me. I have to go to overseas for a job assignment next month, and I will be back in 3 months time... Will definitely give a call to all my banks to inform them.

This post has been edited by fruitie: Oct 11 2013, 07:22 PM

Yes, going to China. Have fun? Not sure if I will.
Yeah, a few cases updated here where OCBC may consider if you can accept low CL. This is only happening during appeal session. Anyway, finally you got this card! Good for you.

This post has been edited by fruitie: Oct 11 2013, 08:28 PM

Does that help?
I didn't know that.
Thanks for enlightening. I thought it is up to the individual bank unless you have any late payment or not a good paymaster in other bank.

Earlier OCBC gave me the highest CL but with the recent request to Maybank, it is now more than OCBC. However, I must agree that OCBC is generous in term of credit limit.

I know, and I'm already prepared with cultural shock. I only went back to kampung in China and the longest was around two weeks.
Now 3 months, really God bless me.
Besides, I will need to settle my banking issue there (i.e. withdrawing RMB in China using Malaysia account). Credit cards issue is pretty OK though may not be accepted everywhere, I believe they prefer cash. Luckily just need to call banks to inform them about my trip...

This post has been edited by fruitie: Oct 11 2013, 11:39 PM

Yeah because of the higher CL that it gives to me compared to other banks.
Correct, now Maybank is also equivalent generous.

Thanks for the link. Helps me a lot.
If you don't mind, can you please help me on the issue I posted here as well: https://forum.lowyat.net/index.php?showtopi...post&p=63573118
Since I know you are so proficient in all these things.
Miles&More has helped to reply, if you know also much appreciated on your inputs.

Where did you hear this?
You cannot pay a credit with another credit.

Short answer: no such thing.

I pay all my loans and credit card to other banks using GIRO, RM 0.10 from Maybank.

Should be only 1% as it doesn't fall into any of the 5% categories.

It's good that first year of GST can be waived with 3 swipes, there is no such thing during the early days. I paid the GST myself last year.
For your second year, you must spend RM 10k before the GST is charged to you. It will auto offset and show on the bill. This is what happening to mine this year.

Well, this card is not easy to get, I don't think you will want to just cancel it like that.

I don't understand if they have plan the plan to revise OCBC Ti. It is one of the most difficult cards to get in the market, yet still so stingy.

At least I got mine since last year's May, been using for more than a year and got many benefits.

Oh my beloved OCBC Ti.

I use it more often than Maybank2Card AmEx due to higher acceptance rate for MasterCard.