OCBC called me today to upgrade to World MasterCard. I told them I still want to keep my Titanium. World MasterCard high annual fee defeats the purpose of having the 1.2% rebate especially for low spenders.

titanium card now already downgrade minimum requirement.  minimum income 24k/ year can apply titanium. While 60k for world MasterCard.

Sifu ronnie, I think you can delete those unneeded information since now already after 28 Nov 2013. It may confuse those people see cash back 5% and 1% term and condition.

I dunno, but this might can be a reference:
For digi,
I was doing auto debit from my cimb debit card to enjoy rm5 monthly rebate. But my saving account on that debit card is kosong (only the minimum balance). So it cannot charge any to my debit card. Then i pay the outstanding weekend when bill come.

I am enjoying the rebate for about 7 months now

yes, pay partially b4 the tm bill is out
and let the auto debit deduct the remaining when the bill is out

this way you'll get the auto debit rebate and M2Amex rebate

for TM Autopay, dun forget

Rebate of RM2 will be given for each billing account, with minimum payment of RM20. The rebate will be reflected in your following month’s bill statement

https://www.tm.com.my/OnlineHelp/Services/D...topay%20BAU.pdf

since when this new T&C from unifi started? my last mths bill still ok with amount less than 20

means i pay earlier and leave balance less than 20 for the autopay rebates to be kicked in

RM0.00 OCBC Cards:50% rebate on your first RM200 purchase @ any ZARA outlet in Msia. From 12pm-2pm, 29 March only. T&C apply. Details @ www.ocbc.com.my/cards

shit..i m late..i have accepted their offer...i thought the rate is low, so just get the cash for backup purpose or invest more into stock market....

Since i have other CC which is UOB, MBB Amex, RHB, my OCBC transaction getting less..only swipe for below transaction:

OCBC 0% installment Ogawa- RM233.33 ( 21 months to go)
Allianz insurance direct debit - RM200
Yes broadband direct debit - RM63

Now, my questions are below:
1) The total rebate I get (1%) is RM2.33+ RM2 +  RM0.63 = RM4.96 which is less than RM5/month and RM59.52 per year. After deduct Gomen tax, i only gain RM9.52. Should I cancel Allianz and Yes direct debit and sign up with Amex instead?
2) Is Amex accepted for Allianz and Yes?

My concern is if i cancel the direct debit, while waiting for instalment plan to finish, the effective rebate per month only earned about RM2.33. Per year only RM27.96 which is a deficit if I were forced to pay OCBC RM50 gomen tax. the 0% 3 years instalment is killing me..

Yup..will check with Yes4G and Allianz...the reason I apply for RHB is to utilize the 0% instalment plan for transaction of RM5000 hospital fee to 6 months in Amex. After 6 months, i will consider to cancel the card.

The UOB card is only for BHP petrol...UOB 5% rebate + 5% smart cash rebate ( limited to first 900K only) + BHP loyaty card = 1%.

My concern is OCBC, someone said the gomen tax RM50 can be waived, some said cannot be waived. At the moment, this card is just a redundant card for me...if not because of the instalment plan, i will say bye bye to the card already..

I agree...OCBC is good as secondary card. Same cases when OCBC change the benefits from 5% limited to 1% unlimited, this unprecedented scenario also can happen to MBB AMEX if MBB decided to change from 5TP to 1TP or 2TP.. i bet alot of people will cancel Amex if that happens..nothing is impossible...

Oh I see, Some more he said you are one of the selected customer... bla bla bla.

Said it is as low as interested offer, I straight away reject and he still want to talk and said good for business what... Just end the call.

But I have cancelled their credit card, but still, they can call me? Meaning that information is still active on their system, has yet to delete ??

u can read the Personal Data Protection Act 2010
if u no longer use ocbc service, maybe u can request for full deletion

what if i already ceased to use ocbc service
anyhow i not lawyer .. , get advice from OCBC or MCMC better

Retention
1.The personal data processed shall not be kept longer than necessary for the fulfilment of the purpose.

1.The data user must take all reasonable steps to ensure that all personal data is destroyed or permanently deleted if it is no longer required for the purpose for which it was processed.

Since everyone knows OCBC's benefits get lesser and lesser, thus why still want to use it? Just terminate it if still holding their cards, or don't even apply for it if hasn't got ones, isn't that difficult to decide?

Too bad cannot pay through online portal...

Ah, read one of the pinned topics in this forum and saw this:

"For cardholders earning RM36,000 per annum and less, the following would be applicable:
Cardholders can only hold credit cards from a maximum of two issuers."

Guess that's why.