i wouldn't mind if ocbc increase the t&c for minimum yearly spending from rm10k to rm20k or higher, in order for the auto rm50 gst offset. in this way, at least it gives hope to the users that the rm50 gst can still be absorbed by ocbc (if we attain to the minimum spending and not totally cut off like now). also, they will encourage small spenders to spend more with the cc and at the same time they can still maintain the big spenders to continue with them. the point is to keep the good ones and filter out others, why not do it this way?

yes, just reject it if you don't want the hassle to have to call for annual fee waiver later on.

agree!

if i were you, i won't accept such lousy offer. LOL!

you may try to upgrade to wmc and enjoy the free 1 year annual fee + free 1 year gst. then til the next year try to cancel again.

this ocbc titanium is the most important to have a high credit limit bcs it offers 1% unlimited. unlike mbb2amex (rm1k max per month) and hlb wise (rm1k max per month) in order to maximise your cash back.

if you like it, then just upgrade and try for a year. if it's really good and you don't mind to pay the annual fee, then continue for another year.

the same case with my wife. no waiving and no offer to upgrade.

great! congrats!
mind to share what's your tactic?

i think most of the users also did like what you have done.
but not all so lucky can get to waive like you.
congrats again for another year's usage.

acceptable! you upgraded bcs of her not bcs of the benefits of it.

you spent more after ocbc revised to 1%?
you are showing ocbc that they have made the right decision...

i hope the reason you spent more was bcs of the her again... not the unlimited 1%...

while you are praising ocbc for the unlimited 1%, i just managed to get my wife called to cancel her ocbc titanium. the cs told her there will be a team of inspection will call her within the next 3 working days to finalise the cancellation. but she told them not to waste time and proceed for cancellation immediately.

yes, of course. actually i'm still keeping my ocbc titanium until... maybe before next gst kicks in.
last time i asked my wife to sign up this cc because want to earn rm50 x2 cash back monthly.
but now since it's 1% unlimited, so just keep mine would be sufficient (no need two ocbc already).
so i asked her to sign up hlb wise this time.

what do you mean 3x? how do you get 3x?
1 = yours
2 = your wife
3 = your second wife or mistress?

you should create a spreadsheet to contain all your monthly cc's usage.
otherwise will forgotten whether your cash back already max, and/or forgotten to pay one of your cc.
i have 7 cc but so far not forgotten... although already old...

oh ya, forgotten that you have just targeted the ocbc cs in earlier post (i'm old)...

but i wonder whether all your gf's cash back will pass to you?
and if they were under your supplementary cc, you can't get x3 of the cash back...

that's great! i wonder how you got to apply all those cc using their names. LOL!
later if you run away, they have to pay all your cc debts?

with the total cb of all his mbb2amex, ocbc titanium, and hlb wise (x3)... only max rm600 for his housing loan.

how about aeon watami?