Use auto debit for all your Utility Bills, Mum, Dad, Bro, BF, etc

Bro, my statement only showed the normal RMxx cash back every month and the auto GST Waiver.

I suspect that in the advertisement, OCBC does not want to say directly GST Waiver and hence use a term as annual cash back of RM50 but in the PDC, they use the term GST Waiver.

Pls note that the PDC shall prevail over the advertisement, Brochures, etc. PDC is equivalent to your Agreement with the Bank.


Add on

I think the Reason why PDC says Annual GST Waiver instead of Cash Back is that OCBC does not want customers to cancel the Credit Card and then 'use the' RM50. So to enjoy it, the Card is auto renewed withiout Card Holder forking our cash.

This post has been edited by cfa28: Aug 29 2013, 02:19 PM

Credit Card Credit Limit is based on a multiple of your Monthly Salary and not Annual Income. But a credit limit of just RM8K for a monthly salary of RM5K seems a bit low. Did you submit your latest payslips, etc.

Industry standard should at least 3x your monthly income. U can ask for a higher limit say after 6x of showing that u pay on time.

good for you. Keep quiet and if OCBC takes it back after say 2-mths, tell them that the Statement says that unless we hear from u within x-mths, the details shall be taken as correct.

Its a standard clause in all Statements. Shove it back to them.

Call Digi and register for Auto Debit. They will e-mail u the form, u make copy of your CC (front) and done.