want to apply ocbc master but cannot find any of their sales ppl

where do u guys normally found them?

thought want to go to those during fair to get more freebiz

go direct to bank less free biz

Can always complain to the bank negara on this unethical practice. 

suggest you take standard chartered bank. they even take a high debt ratio people like me.

well, I have try apply for HLB wise card. try two times, two times failed.
does that mean different bank have different standard/rule?

What is DSR?
how to calculate on the DSR?

coming from a frustrated titanium owner & thinking of closing this account & apply for new CC (have to re-work all the auto bill payment, insurance etc), which is the best card to own?

i already have the mbb2amex for weekend spending.

tq for that.
fixed expenses (electric+phone+insurance etc) already close to 1k stuck in titanium.

haha, true also.

electric - ~RM200
phone - ~RM150
insurance - RM200
petrol - ~RM400
groceries - ~RM500

i guess that's more or less everything for fixed expenses.

OCBC sent me a new blue Titanium card a few days ago without any acknowledgement, to replace my old silver color card which will due on next month.
Called CS to check if there's any gov tax waiver on next calender month, CS said no longer waived.
For the previous years, i received the waiver without making any request (with minimum spend of 10k per annum).
It seemed no reason for me to keep this card anymore, just proceeded with the termination of this card.

just call to ask for the waiver

Guys, I'm having this card currently and I'm thinking to terminate it as it serves not much purpose for me. Most of the places I go accept AmEx and I hardly use this card these days. However, my monthly personal insurance from GE is tied to this card for auto-debit.

I'm not sure if it's a good idea to switch this card to OCBC Great Eastern Platinum MasterCard? Any privilege for GE insurance? http://www.ocbc.com.my/personal-banking/Ca...tern-cards.html
Though the 1% rebate seems not so attractive but I think it's a good backup card. Appreciate your advice.

Why your cash back will be RM1590?

RM12k spent on Wise = RM1200 cash back; remaining RM18k spent (Assume all spent on Amex during weekend )=RM900, not even included the 5x points.

I reckon so. 1% is not exactly good but I guess it's not bad as emergency and back up purpose.
My monthly insurance is only RM 250 that is only RM 3k per year. Other quarters cannot spend so much.
Bought this to complement the insurance provided by company.

Oh ya, forgot about the capping, my bad. With that being said, OCBC is a great back up card.

U can pay your insurance annually which amount is around RM3k? U can entitled 3% cash rebate with AEON Watami CC.

Come on, unlimited 1% is good for one large spending, low income ppl like me who can't apply plat/visa signature cards, or high spenders who have maxed out their cc rebate quotas, or shall I say back up for your back up card?

One man's meat is another's poison, your brilliant logic is also won't for me But I have no regret since I started to save & earn extra $ when I am financially independent.

Yes, ca n pay annually.
Think again, maybe it is a better choice for me to get Watami, doesn't matter if my other quarters cannot reach RM 3k but at least I could get RM 90 out of it.
Now it makes all senses.
Earlier my gym subscription is tied to this card and I have transferred it to my AmEx, so only left my insurance.
I'll terminate it when the anniversary comes in May, I'm pretty sure I will not get any waiver. So, just cut down all those not so useful cards in my wallet.

I heard rumors that once gst implemented on april, all the cc service tax will be remove, is it true?
if like that, then you can just dont care it and make this card as backup card, since there are no annual fee and service tax charge.

Not sure for OCBC... here is what we can get from Alliance FAQ... if all banks using same standard policy, there is no RM50 GST after 1st april 2015.
http://www.alliancebank.com.my/GoodsAndServicesTax/FAQ

CREDIT CARD / DEBIT CARD / ATM CARD
Will Credit Card Service Tax RM50 be imposed on my credit card after GST is implemented?
GST will replace the RM50 Credit Card Service Tax effective 1st April 2015.

I just paid RM50 for Credit Card Service Tax on 25.03.2015, will you prorate the fee with the implementation of GST from 1st April 2015 and refund the balance?
GST will not be charged on annual fees that have already been subject to the RM50 Credit Card Service Tax paid prior to 1st April 2015. GST will only be applied upon the due date of the next annual fee.

If my credit/debit/ATM card annual fee is waived, will I still be charged GST?
No, there is no GST charge on the waived annual fee.

If I am a non-Malaysian making purchases using the Bank's credit/debit/ATM card? Am I still subjected to 6% GST?
Yes, all banking services rendered and conducted in Malaysia are subjected to GST. You will be subjected to GST at the standard rate for the fees and other related charges e.g. annual fee, cash advance/ withdrawal fee and card replacement fee.

Can see the FAQ in OCBC website that RM50 service tax will not charged on credit card start from 1 April 2015.

FAQs
11
Credit  Card Q27  After the implementation of GST on 1 April 2015, what will happen to the RM50 service tax on credit cards?

With effect from 1 April 2015, the Service Tax will be abolished. So, the Service Tax of RM50 will not be charged on credit card accounts after 1 April 2015.

I collected OCBC GE Platinum Card from poslaju on 13/3/15; made my first transaction on 16/3/15 and received a memo by mail thanking me for using the card on 19/3/15. But I still haven't received the PIN to register OCBC online.

How long do I have to wait for this PIN? Is there other venue I can go (say branch) to get a pin?