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Credit Cards OCBC Titanium MasterCard Cash-Back v5, Unlimited 1% cashback only

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victorywp
post Sep 9 2014, 09:48 PM

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QUOTE(DarReNz @ Sep 9 2014, 07:36 PM)
normally when u file dispute form, the bank will take out the disputed amount so u don't have to pay until they finish their investigation
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so good... which bank is that? last time mbb doesn't take out my rm10k dispute and my case opened for 2 years+. you can imagine how much the late charges and financial charges accumulated monthly...
victorywp
post Sep 9 2014, 09:53 PM

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double post

This post has been edited by victorywp: Sep 9 2014, 10:09 PM
victorywp
post Sep 9 2014, 09:53 PM

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triple post

This post has been edited by victorywp: Sep 9 2014, 10:08 PM
victorywp
post Sep 12 2014, 02:40 PM

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QUOTE(KB1 @ Sep 12 2014, 02:30 PM)
hi all the sifus, just got my card...

just wondering, if i paid my car loan by card, can i get the 1% cash back too ( loan from tan chong )
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yes, if they accept your car loan payment by cc payment.
victorywp
post Sep 13 2014, 06:36 PM

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QUOTE(alexwsk @ Sep 13 2014, 06:03 PM)
ocbc automated system now has a choice to request for fees waiver for credit card - need to key in cc number and handphone number

i tried yest and today got a call back from ocbc regarding my GST waiver, still not successful

gonna call in and cancel it now, bye bye ocbc
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by call or online?
victorywp
post Sep 13 2014, 07:41 PM

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QUOTE(alexwsk @ Sep 13 2014, 07:21 PM)
by call
after choosing option 1 for english and then option 1 for credit card
the next menu has option 1 for fees waiver
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means you tried before the gst is charged?
victorywp
post Sep 14 2014, 01:04 AM

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QUOTE(alexwsk @ Sep 13 2014, 11:07 PM)
yes, today the cs called me and told me it cannot be waived

so i called to cancel just now at 8:30pm and now it's already gone from my ocbc online banking, talk about efficiency  sweat.gif
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wow, that's very fast just within few hours!
victorywp
post Sep 16 2014, 09:56 AM

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QUOTE(DrPitchard @ Sep 16 2014, 01:41 AM)
Thanks for the steps. Yeap, after choosing Option 1, system will prompt for IC, followed by CC number, and lastly, phone number. Called in and tried too, will update in this thread once I get my request outcome. On a separate note, I recently swiped my OCBC card for a RM13k housing deposit downpayment and later converted it to EPP. Maths worked out to 5+% interest which I thought was pretty decent. Surprised to find out that my RM13k EPP is also entitled for the 1% rebate, thus, my effective interest rate is only 4+%. Awesome!!!!
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after converted to epp, you are tied with them. so they won't give you waiver since you also can't threaten to cancel your cc?
victorywp
post Sep 16 2014, 01:15 PM

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QUOTE(DrPitchard @ Sep 16 2014, 01:04 PM)
Yeah, kind of expected that. But my inner me tells me that I should still try, nothing to lose.... :-)
Rarely use this card too so no real reason for them to waive my GST. 95% of my usage goes to my Maybank 2 Card.
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yes, just try because nothing to lose.
those who used the card a lot also doesn't mean can get the waiver.
who knows the less you use, the easier to get? lol...
victorywp
post Sep 16 2014, 05:55 PM

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QUOTE(CalvinCLK @ Sep 16 2014, 05:31 PM)
Can anyone confirm that no more RM50 GST for CC next year April when GST is implemented?
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not yet receive any confirmation on this...
victorywp
post Sep 16 2014, 09:38 PM

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user posted image
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http://www.ocbc.com.my/personal-banking/do..._no_header.html

This post has been edited by victorywp: Sep 16 2014, 09:39 PM
victorywp
post Sep 17 2014, 04:17 PM

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QUOTE(DrPitchard @ Sep 17 2014, 04:13 PM)
Wow, didn't know that there are banks that offer 0% interest for 12 months. Tried and tested before? No gimmicks? Always had the impression that there are alot of underlying T&Cs or hidden cost involved...LOL
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yes, tried and tested with no gimmicks!

check for yourself! http://www.maybank2u.com.my/mbb_info/m2u/p.../PRO-Promotions
victorywp
post Sep 17 2014, 05:21 PM

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QUOTE(zr125 @ Sep 17 2014, 05:04 PM)
anyone able to increase their credit with reason to balance transfer?
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no need give reason, just submit your latest payslips. unless you mean temporary increase?
victorywp
post Sep 18 2014, 01:05 AM

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QUOTE(DarReNz @ Sep 18 2014, 12:15 AM)
probably better to BT to MBB then BT to Aeon ?
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always bt to aeon first then only bt from aeon to mbb. :D
victorywp
post Sep 18 2014, 01:07 AM

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QUOTE(DarReNz @ Sep 18 2014, 12:20 AM)
it didn't say there is penalty if you settle it early ?
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why want to settle early? lol...
victorywp
post Sep 18 2014, 12:40 PM

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QUOTE(DarReNz @ Sep 18 2014, 09:14 AM)
just in case if need to overpay etc
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overpay is ok, because the instalment come on monthly basis.
any overpayment balance will be carried forward to the next month.
victorywp
post Sep 18 2014, 12:43 PM

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QUOTE(plush @ Sep 18 2014, 12:10 PM)
does the OCBC mastercard world provide waiver for its annual feel?
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i don't know how ocbc will feel annually. tongue.gif

but this card still new (within a year i think), so need to wait the first person to report here. nod.gif
victorywp
post Sep 18 2014, 01:42 PM

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QUOTE(cdspins @ Sep 18 2014, 01:38 PM)
Can share what is the benefit of BT to aeon then to mbb? Aside from paying the full amount in one go..
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1) spent rm10k with a cc
2) bt the 10k to aeon cc 0% for 6 months (and earn 10k points)
3) bt from aeon to mbb 0% for 12 months

fully maximise the pay-back time and earn points too!
victorywp
post Sep 18 2014, 03:48 PM

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QUOTE(DarReNz @ Sep 18 2014, 02:45 PM)
but i think if you still have some outstanding in aeon card you should BT all to MBB card and then from there BT back to Aeon you should get a lot more points for you to convert into $$$  :nod:
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i forgot to mention...

4) bt from mbb to aeon again for points!
victorywp
post Sep 18 2014, 04:56 PM

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QUOTE(DarReNz @ Sep 18 2014, 03:52 PM)
yeah then that's about the same as you could BT multiple times from the same card to aeon  :nod:
only thing is your way is a 3 step process while mine is 2 step  :P
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different.. once you bt to mbb, let's say 10k, it will divide into 12 months so you get less than 1k a month to bt to aeon. you will need 12 months to get that 10k points.

but if you bt to aeon first, you get 10k points straight away and you can convert the points to cash rebate (which is 0.4% value) and start using the money.

the last step (4) that i mentioned which is to bt from mbb back to aeon, is to earn additional points again. :hehe:

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