To be honest, I never call up CS to inquire about the MCC code. I always obtained 5% for dining, utilities and petrols. Only once, I obtained 1% at Aeon Supermarket when I used my card to test it. The rest, just basic Excel to check whether it tally or not.

There is no OCBC in my area, Sibu, Sarawak to be precise.

Can I apply through online or email?

Yup

Some places might have different MCC... depending on how the banks define it. for example most big companies have 2-3 credit card terminals from different banks for backup and each bank might have different MCC assigned to the company. So see luck only... CS confirm wont know all the MCC

yes i do..

it's more like a hobby and the feel good factor when u get to know how much u saved becoz u used that card..kinda enjoyed it

Lots of thanks to the sifu who shared the appeal letter!

Applied for OCBC's Titanium Mastercard on July 12, received a letter dated July 23 stating that my application has been unsuccessful, sent an appeal email on July 29 and finally received an sms from OCBC stating that my application was approved on August 1.

Received my card the very next day ^^

Talking about CCRIS report, if anyone nearby BNM, I would highly recommend to pay a visit and get your own CCRIS report.
It is free, just insert your Mykad into the kiosk, verify your thumb print, your FULL credit report is printed instantly.

I took a look on my report...Wow all my credit cards, OD and loans from all the banks are listed in one place.
I was a bit shocked to see the total credit limits added from all the cc and banks. Wow, such a huge sum (when it all adds up.)
Imagine if I burst the total credit limits from all banks, wow it will cause me a long time of my future incomes to pay off!
In short it is a report of our total credit exposure.

Bank is looking at the exact same report if one is applying for new cc.
They will match this with our total incomes to assess the risk.
They don't want to get a new card holder that will default in paying card outstanding balance.

Besides the total loans, credit limits, outstanding balances, the report also show if there is any arrears installment of the past year.
Kinda interesting report.

*** deleted duplicate post ***

This post has been edited by tbheng: Aug 5 2013, 11:18 PM

Can I print this during weekend? I always pass by bank negara on weekend. If can't then I try to do it when I on leave

Btw, where is the entry of BNM, I came from Jalan Kuching (Kepong to KL direction).

Thanks

Not sure about weekend. You can try call their CS to confirm.
I took LRT there, Ampang Line, Bandaraya station. KTM BNM station also can. Proceed to Block C.

U very lucky!
Mine was rejected last month, then I sent appeal email on 26 July, until now no answer

How come the staff only call people after 6pm, i thought bank doesnt work that late. got the online forms, but I dont understand how does it hurt my money on 13th month?
peeps, what is this mean? What happen at 13th month? so high interest charge on me?

Payment on time also will get charge that 15% PA?

This post has been edited by David900924: Aug 6 2013, 10:57 PM

Try weekend, it is not working. you can see the working hour on front door.

Pay your bill in full and on time and no interest charged.

The pic is talking about what happens if you don't pay in full on time. If 12 months you paid on time but not in full then your interest on 13th month (next year) is 15%.

Don't care about all that. Just pay in full on time. Then 0%.

I really hoped to apply for this credit card but the minimum income per annum is RM36,000..

I have been using UOB Credit Card and I have a good payment record in settling the credit card bill, but my minimum income is below RM36,000 per annum..

You guys have any other way to apply for the card? ... Just asking..

Maybe for other card, this card is very strict... Even if you have more than 36k per annum, there are still chances to be rejected by them.

Congrats!

i applied at 26 July and get called at 30 July, everything seems fast. Then i called CS to check card application status at 1 Aug, the system replied that my cards application is approved! But until now no SMS to me about the card is sending to me

All in Holiday mood?

This post has been edited by edwardccg: Aug 7 2013, 06:46 PM

Really doubt so, they are not hungry for sales like certain bank platinum only need 24k annual income.

I got rejected twice already by OCBC

Dear friends,

just to ask if anyone has recent spend on MCC code 5968, direct mail services.

Is it still 5% from OCBC?


TQ.



The list from page 1:
Places we thought is 1% but received 5%

eTiQa Takaful Mesra plan Auto Debit [MCC: 5968]
Elken Service Sdn Bhd - to Service my water filter. [MCC code: 5968]
Nirvana Memorial payment [MCC: 5968]

Charms shop at 1u is under 5%

Perhaps can update it as for Dine category in front page