at first i also think susah because i still have other 5 cc before applying watami. in the end, i always maxed up the 5k quota within the first two months of a quarter. third month already no more 3%.

it's easy, just choose a grocery category, then anytime free, just buy cash voucher rm50 at giant/tesco/aeon big.
1) you can use it at anytime when you purchase something later on
2) you can give it or sell it to your family members
3) you can give as angpau to people (wedding dinners, open house, cny,...)

since you will be giving cash anyway, why not with 5%-10% off first?

although i have this idea, but to be honest, i haven't go so kiasu yet...

yeah, i think for those who can't achieve minimum 3k per quarter, they can opt to pay insurance for their immediate family members too (if their own insurance still not enough to attain the min 3k).

new uniqlo outlet in empire opens on 12/9.
ocbc flash deal for uniqlo in september?

yes, they revised the requirements too after they revised the cb from 5% to 1%.

This post has been edited by victorywp: Aug 15 2014, 03:03 PM

no buffet? no catch.. just enjoy..

yeah, i received somewhere in mid july. but i decided not to go this time because i already received invitation 3 times prior to this (and i went twice already). lol...

by right one person only can be invited by ghhs once in his lifetime. they have a record in their system.

so you just need to go and listen 60 minutes to the staff persuading you to join their membership. at the end of the day, either you join or not, you will still get the gifts.

note: the membership price cost rm20k+ and above...

yeah, with spouse is for the hotel stay. last time i stayed there 3d2n with uob cc invitation. lol...

last time uob offered me a much bigger room (plus with 3d2n) than ocbc offered now (only 2d1n). that total room worth around 2k if not mistaken. so it's ok for me. but now ocbc have free screening and buffet which is good too. calculate the cost and decide yourself.

wow, you signed up for 20k+ or 30k+ or above?

actually, the best way to deal is like this...

before they start anything, you start first by saying actually i'm here for the free gifts and that's it. if you have 60 minutes to waste on me, i'm ready to accompany you through.

this will greatly weaken their confidence and their sales technique will not work on you anymore. trust me, i went there few times already. lol...

lol... the first time i went, i listened the whole thing. but the second, the third,... you will know what they are going to do next. so in order not to waste both parties time, just tell them honestly. they will let you go before the 60 minutes. not only golden palace, i have been to iconic, vacation club, etc. all also with the same techniques and usually hotel stay gifts.

besides, there will be no lenglui. usually handsome young man, chubby ladies, or smart old uncle. more for the ladies appetite lol...

sounds like they found that many will buy vouchers and use/sell it later.
perhaps post-mortem shows that these flash deals don't help the merchants much...

http://www.ocbc.com.my/personal-banking/do...dm_landing.html

This post has been edited by victorywp: Aug 21 2014, 01:12 AM

for hotel stay gift, must go with partner.

the difference are:
1) some vouchers can be used at other shops (within the same group of companies). for eg. dorothy perkins and rsh vouchers can be used in elsewhere within the same group (which is different merchant, not only different outlet/branch).
2) there's reason they set 2 hours limitation. so that not all get to utilise the 50% within that period, not to mention maximise it.

2) i think the performance of an outlet/branch based on product selling more than voucher selling.

you have to check with the cs whether your 12 months easy payment has early settlement fee or not. if no, then you can ask for a lump sum figure and then apply bt to pay it off.

other way is to pledge 40k fd...

lol... sorry, no other way...

use your mbb or uob or aeon la...