I think someone teach how to earn interest if put statement date at begining of the month....

If put 13, salary comes in then payout....

If put 6, salary in keep 20 days then earn interest before payout, increase percentage of savings...

Need to budget so can pay by month end....

My statement at 13 also adjusted to 6, to earn interest, to some maybe very little but is still money, every month i get free 1 plate chicken rice at my place....

This post has been edited by NewGUY: Oct 1 2013, 08:06 PM

this would require you to have budgeted for the current month statement before the statement is out, if my understanding is correct. and provided u get paid end of the month. i.e 6 oct statement already budgeted from sept pay (out end sept)
But this would mean you are vulnerable to any sudden spends between the budgeting and the statement date.

However it is true that all spend from 7th of the month only needs to be paid end of next month, if you do proper tracking and budgeting.

This post has been edited by zenquix: Oct 1 2013, 08:32 PM

the reason why I change to early of month is prevent myself spending too much. so meaning, i can't spend much too much else i will be unable to pay off the bill since my salary havent come in

it actually kind of my own personal way for financial management

it will be sudden spend in cash else just use CC la...

This OCBC Titanium can use in other country or not?

No one will care what bank is it. As long as they accept Mastercard, they will accept ur OCBC TITANIUM. Make sure u call to inform ocbc that u r going overseas n will have some overseas transaction.

So if my statement date is on the 6th of this month, I have to pay on the 26th of this month? Or following month?

What about the 11th and the 15th? If statement date is on 11th this month, amount due on the 26th of following month? Or is there another date?

Just got my card approved less than a month ago so still haven't got my first statement yet. Might want to change the billing date for my card as well.

Due date = Statement date + 20 days.

Ah okay. Thanks!

i just applied for my ocbc titanium cc.....received in the mail that the first month statement will include GST for principle and supplementary.....any ways of getting this off..tq

i just applied for my ocbc titanium cc.....received in the mail that the first month statement will include GST for principle and supplementary.....any ways of getting this off..tq

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

if u applied online recently, you will get RM50 if you swipe 3 times within 45 days of activation

I applied recently. Ystday I just received call from OCBC to check etc, how long does it take to approve or reject?

finally got my ocbc titanium master card after 3 application

Wanna share my timeline here if any of you are close to giving up on applying. My last application was last year and it got rejected. Did not appeal. This year I decided to apply again.

2/9: Filled up their online form
4/9: got a call from one of their agents and email.
5/9: Sent the form and the supporting docs via email.
13/9: Verification call (Yup, it took them that long. I had to email my agent to ask)
23/9: Checked via IVR, found out that I got rejected. Immediately appealed, using the online support form on their website.
27/9: Got another call from them. Telling me that my appeal is under consideration. The agent also asked me whether I am willing to get a lower CL than my other cards since this is an appeal case. Apparently one of the reasons why I got rejected was that MBB and CIMB gave me too high CL. OCBC was kinda scared of my commitments. Told her that the bank can give me whatever CL they want, as long as they approve. I can always ask for CL increase after that.
3/10: At this point I am close to giving up already. But just for the sake of it I checked the IVR again. At first it says unsuccessful. But I stayed on the line. Apparently for appeal cases there will be another one after that. And then I heard the magic word, APPROVED! So now I am happily waiting for my card to arrive.

Thanks to all the pointers from this thread.

This post has been edited by spikey2506: Oct 3 2013, 07:22 PM

i saw the web page.....didn't mention about only for online ...i applied online...they call and e mail me the forms but i went to bank and submit it...hopefully can get the rebate.

What's the different if,
1. apply online or apply at shopping mall
2. apply 2 principal card or 1 principal card + supplementary card?

thanks

applied online, one week later, officer came and let me fill in forms, submit and wait another week for approval..took quite some time, manage to get the card on the 3rd week..

2 principal = GST RM50 x 2, max monthly rebate RM50 x 2
1 principal card + supplementary card = GST RM50 + RM25, max monthly rebate RM50