Hi there, I thought of applying for OCBC Titatium card. As I already have a platinum card which gives me points. Having a card with cash back seems good. However to take this card I think I have to cancel my HSBC and Citibank credit card, cause I think 4 credit cards are too much.. Lolz!

Anyhow, actually I am worried about the acceptance of the OCBC credit card overseas. Cause I have heard that there are some retailers overseas doesn't accept CIMB and Maybank, even though it is verified by VISA or MasterCard. Anybody had issues using this card overseas?

Thanks and cheers!

I had never experienced any problems with the acceptance of Maybank and CIMB cards in Singapore, Indonesia and Australia. And I don't expect there will be, as long as I inform the respective banks of my trips beforehand.


This post has been edited by Explorer II: Apr 11 2013, 05:05 PM

Oh? I see.. good to hear! Hopefully other countries like Japan and the US also no problem. Thanks for the feedback!

I had a problem once with Maybank Visa at Japan, despite informing the bank about my trip, however, it is a rare occasion because it was accepted other times. Having a spare card is probably best.

jiro-kun

This remark has been repeated for many years already and it's a myth. This to be rampant when Citibank is the cc market leader in Malaysia. Agents used to say "Citibank card is internationally recognized" - to entice customers to sign up thinking that an international brand credit card will be good. (Which was the mentality back then) Which I think is misleading because as long as there's the word "VISA" or "Mastercard" then the card is generally accepted all over the world.

Sometimes I also think this myth is propagated by those who never travelled outside of Malaysia or used their credit card physically overseas out of whatever reason.

I have had one case where a country I visited do not accept credit card at all - all cash transactions. VISA accepted sparingly but this is case for the entire country. It has nothing to do with merchants.

If the remark you mentioned is true then would a VISA/Mastercard credit card issued by Shinhan Bank/Busan Bank of South Korea or Bank of Dubai (Dubai) or Barclays Bank of United Kingdom or Bank of China (China) be only valid in South Korea/Dubai/UK/China only ? Certainly not the case! So, please have the right idea from now onwards regarding the use of credit card overseas. I am just concerned .... because after so many years, the wrong mindset still exist.

Oh ... since the subject of informing the bank arise. Informing the bank of the countries that you wish to visit ensures that the bank "flags" the physical transaction at the mentioned visiting time will go through. It does mean that informing the bank, you are making it possible to use the card in that country. By default you are able to use it even without informing the bank - but in the event the bank's fraud management system decides to "flag" it as risky then you are stuck. This clarifies the informing the bank part when using the card overseas.

In Human Nature case, sometimes there is a problem between the remote bank gateway which prevents it from processing your card. (Rare occurrence) But it is not the problem with the physical card itself. It happened to me before and I immediately called my bank which informs me that the transaction was never received on their end in the first place - pointing the problem to the gateway. Normally switching to another bank's card will solve this problem. Now I have to point out that this situation occurred more than 5 years ago and never occurred again ever. I don't want anyone irresponsibly quoting me and starting another myth of "I heard/read that someone mentioned ..... "

This post has been edited by hye: Apr 11 2013, 05:39 PM

Hi there! Yeah thanks for the feedback. What you are saying is true. and I agree. I just wanted further conformation. My first card was HSBC and when I went overseas, there wasn't any problem in terms of acceptance. So in that case I was very satisfied. Been using that card for 7 years. Now I want to cancel off that card, as i see this OCBC card has better benefits for me. So yeah, taking the first step is never easy in anything, and I don't want to risk of going overseas, and in time of emergencies my Credit Cards fails me. After all for me that's the beauty of having a credit card, something that we can fall back on in times of financial emergencies. haha.

As a matter of fact, my good friend, did tell me her Maybank card was not accepted by a merchat in Hong Kong. The merchant was frowning when he saw the card, and told her if she has other type of credit cards. Then she gave him, her Citibank, and the person accepted. So my point is, yes, in fact all merchant is suppose to accept cards that are varified by either MasterCard or VISA, however as you said, the mentality, is not only on the credit card owner, is on the merchant also.

Just my 2cents. Cheers!

but somehow...for my trip... my hotel only accept standard chartered...even though i tried swiping ocbc titanium and both my mbb 2 cards....

however, i tried swipe ocbc in supermarket and it went through...

i called CS for all cards to tell them about my trip beforehand

Was the hotel located near the Bermuda Triangle? Haha..

But seriously, that shouldn't be the case, from my experiences.

it is sydney...

no idea, if the supermarket does not accept ocbc as well then i would suspect that maybe they din update in their system that i'm travelling....
but then again it got accepted in supermarket but not the hotel...hmm..

Strange.. I have no idea. Never happened to me in all my trips to Perth, Adelaide and Melbourne. o.O

a very odd occurence.. even my maybank debit atm card was accepted in prague in a sundry shop like 99speedmart.

Keep HSBC and apply for Ocbc Ti card....

Yeah. I might just do that. Thanks!

M2card amex is accepted in phillipines. If u wanna know lol

ocbc online portal is down now.

Follow-up from

guys ... i have 13k credit limit ..... if i would like to take out 10k from the credit card and use it as personal loan ..... possible? any idea how the interest rate will be like??

The interest will kill you. Better for you to apply for PL.

if personal loan based on credit card limit, usually it will just follow the credit card interest rate, 16%-18% per annum

call for cash : http://www.ocbc.com.my/personal-banking/Ca...l_for_cash.html