@To all members. Please take note that I have no tolerance to the use of any form of profanities in any sections of the cc threads. Such postings will be deleted without any prejudice. Repeated posts will cause great inconvenience to all members of this thread, especially those who wish to contribute positively. I have closed threads in the past due to repeated violations with warnings that went unheeded.

So please ... such actions are saved as a last resort. And I appreciate for all members to not reply to any post with such language - such posts need to end with a full stop.

I understand the need for expression but there are ways to do so without the need for such language. Please take your time to review your post before deciding to press the button. If you are emotional, then please don't post and come back when you are more objective about your grouses.

This post has been edited by hye: Mar 6 2013, 12:17 AM

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

Dear Readers

This thread (V3) will be up for closure @ 9am 23 October 2013. Given the fact that OCBC may restructure its card product, we may see the closure of this thread. I thank you to all contributors who have helped in the long running of this thread.

Those interested to open OCBC Titanium V4 please PM me.
For applicants : Please note that we maintain high standard of threads via quality contents in this section. Sub-standard threads are not tolerated and will be removed without prejudiced.

This post has been edited by hye: Oct 23 2013, 07:18 AM