Jun 17 2013, 06:04 PM
QUOTE(aNGeLs @ Jun 17 2013, 02:12 AM)
Just received my card today. I must say OCBC is very generous with their CL. My first OCBC Ti application (via online) was rejected (suspected due to >3CCs) and been told to reapply after 3 months. But I tried my luck to reapply via agent (roadshows) just after 2 weeks and it was accepted. 
Sadly, the agent got my name wrong on the card. May I know if I request for a new card, will I get charged for this? Havent activate the card as I've called the agent and she said to help check and get back to me by tue/wed.
I just explain to you on why is this happening.Sadly, the agent got my name wrong on the card. May I know if I request for a new card, will I get charged for this? Havent activate the card as I've called the agent and she said to help check and get back to me by tue/wed.
When you do it online, your documents are given thru mail / fax, and the sales agent will do a chop saying that its not original sighted, meaning that it MAY or MAY NOT be original ( changing numbers on payslip ).
However they still need to do a CCRIS check, to see how many cards you have ( only 2 if pay less then 3K ), bad debts, AKPK, and lastly to see whether you HAVE a CCRIS record.
In OCBC in order for you to have the application approve, goes to three steps.
1) Their requirement on your JOB. High Risk, High Pay ( High salary = anxiety to spend more, hence may lead to bad debts ), Government Servant ( Hard to get approved from an Overseas Chinese Bank ).
2) If you pass that, then comes to CCRIS, to check records.
3) CL part, I have a customer who is an OCBC Credit Card user with a PLATINUM CARD with CITI and Maybank with annual income of 100K, can get a Plat Card from OCBC for 5K.
Basically if you can get all this, you will be great. :-)
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