i'm only gold user~
but reluctant to change to platinum even thought i'm eligible due to new Government Service Tax charges for both cards.

Yes same~

During my application for OCBC titanium, it was my first job and i worked like 6 months prior to the application.
I applied for it and the CS kept asking me about my company profile and etc.
I have zero commitment as well because i just started work, no car loan no house loan, no easypay installment.
Anyway what i did was i called the CS constantly asking why the approval process takes such a long time and i kind of raise up my voice saying if you keep delaying the approval i might as well look for another card.
Then the next day i got SMS stating approved.

Therefore, not necessarily zero commitment will deny the card approval.

I applied for Mbb2 CC after a year working (6 months after my OCBC platinum approved).
Same condition, no commitment or whatsoever.
And i got it on the same day because i applied on maybank treats point fair.

I see. Thanks.
Will venture into the CCRIS thingy when i have time.
I saw some info posted about this requesting loan form

It's wise to just ignore him.
If not it will start another hate chain and it would not be beneficial to the forum reader.
Plus i would label him as attention seeker rather than keyboard warrior.

He will start with his ranting on 'group insulting' and many many more.

So in nutshell, ignore him (that's what he suggested to me along ago and i of course obliged to his 'WISE' advise)

It would be beneficial when one is overseas and they need to make payment.
I've done that and when i receive the OTP/TAC via sms, i got charged RM1.00 for each SMS or TAC sent to me.

I have no idea at all. It was written as Data charges.
But i am sure i disable 3G connection and just relying on maxis network itself to receive the OTP.
Two TAC/OTP and i was charged RM2.00 in the statement, written data charges with 2 quantity.

 Doc1.doc ( 39.5k ) Number of downloads: 25


For your reference.

I tracked back on the date and it was the date i was paying for maxis postpaid bill via maxis easypay.
Using HLB wise and two OTP sent to me via sms.

So i'm not sure if it is something else.

Well i'm sure for myself that is the OTP code for my maxis payment.
And i always disable data roaming and mobile data whenever i'm oversea.
So there will be no data charges, anyway i didn't call in to further question maxis.
Lesson learnt, pay all bill before going oversea.

Nope that two sms is definitely the OTP sms.

Ya in the statement only state data charges while i didn't activate any mobile data at all.
Of course there is no number stated for the SMS anywhere since it's categorize as data charges.
As you see from the attachment, its written SMS in data form.

I off data roaming and mobile data, how the heck there is data charges.
Anyway i'm sharing because i got charged while making payment receiving the OTP.