Ocbc mastercard titanium no more 1% cash back for e wallet top up?

Gets 0.1% for e wallet top up rm5k ~ rm5

Kempen Rebat e-Dompet Untuk Kad Kredit-i Muslimah 2022 [ Bank Rakyat | T&Cs | FAQs ]

my standard chartered card send me sms ask me want to increase credit limit?

if want please reply yes

what do you think?

Sorry for miss understanding, I'm a commision earner, only can provide latest 6 mth commision slip and bank credit commision statement. At the moment no declared tax. Hope can have advise, any bank can accept this type application documentation. Thanks

File your tax return Form B 2001 before 30 June 2022.
Prove that you earned >RM24000 / >RM36000 (if you need credit cards from more than 2 issuers) in 2021.
Bank's requirement is Annual Income, not monthly income or 6-month income.
File tax return only means you declare your income, not necessarily you have income tax to pay.

https://www.hlb.com.my/en/personal-banking/...yment-plan.html

HLB 0% for 3 months

https://www.rhbgroup.com/2022_btcx/index.ht...paign=JoyatWork

RHB Cash Xcess and balance transfer, both 0% for 12 mths

You are correct, existing card holder just need to apply additional card with shared limit.

Hi all, this is my list of currently held cards:-
Maybank2Kard Platinum (Amex only)
Maybank Barcelona
Affin Duo Cashback Visa
Affin Duo Rewards Master
RHB Shell Visa
Citi Cashback Mastercard
HSBC Amanah M-Power
SCB JustOne Platinum
SCB Liverpool FC
Public Bank Visa Signature
Public Bank Quantum Visa
Public Bank Quantum Master
Public Islamic Bank Visa Platinum
Public Islamic Bank Mastercard Platinum
OCBC 365

Now I want to do a big swipe (Master/Visa only) of around 70k (ignore credit limit, that one can settle). Which card would give me the best rewards? Am I right to assume that OCBC 365 unlimited 0.5% would be the best? Would Public Bank points be worth more than 0.5%?

I lost touch with CC updates these days but is there any convert purchases to 0% installment for existing customers? Any banks since I think I have most of the banks’ cards.

I have a big figure payment to make on one of these days and if there’s any bank offers 0% installment, why not then?

UOB can do balance transfer 0% for 12 mths and only need to pay min 5% each month.
But not always available..
I got the marketing number from one of the forummer here. Pm me if u want it.

PBB Visa Quantum can convert to installment 1% charge.
PBB mastercard which card? Never heard b4

Banks got different risk assessment. Simply put - all banks will have access to the same information (your annual income, total debt, and total credit limit so far) but not all of them will calculate the amount of credit limit you can carry the same way.

Generally once your total credit limit exceeds your annual income significantly, some banks may be hesitant to even give you a credit facility. Though this applies more in your 20s in my experience, once I hit 30 never had problems getting high CL even though my income increase not been very high. Probably history of payment starts kicking in.

I need to pay the hospital bills by end of June. I think I probably have enough time to apply new card.

Currently I only have CIMB Cash Rebate Platinum Credit Card which gives unlimited 0.2% cash back. I'm looking for a higher cash back credit card like maybe 0.5% or 1%, preferably no cap because I don't think that the hospital will allow us to use multiple cards to pay by splitting the bills.

PBB VS, PBB-i Visa, Affin Duo Visa. I think MBB Ikhwan Amex too

Dear sifu,

Before calling the bank and ask them to waive the annual fee. What should i keep in mind? or what is the criteria needed so that they will consider waive the annual fee?

Do they simply waive the annual fee or they gonna check at something?

Sorry for the noob question. I'm only a credit card user for 2 months, i own 5 credit cards at the moment, all 5 from the same bank.

if the opportunity arises sure can consider, but at that time only can see whether got any 0% BT promo or not 
and yeah, thats how they earn from all these 0% BT/installments i guess.
hoping to catch people off guard, cause its 12 months in future payments. with 1 big payment on the 12th month.

so for those who didnt keep track of it, will get shocked last month have to fork out huge amount of money and might not have prepared the necessary cash flow for it, especially if suddenly on the 12th month got some big emergency expenses like car repairs/hospitalization, etc..

or those on the 12month still paying the normal 5% installment cause didnt realize it is the last month already, then next month kena charge interest on the outstanding BT amount.

Dear Sifus,

i have been using credit card for 4 years but never once i take cash advance. i just want to know how cash advance interest work? in case got emergency like need RM500-RM1000 cash, i can still opt for this if the interest is tolerable.

Why do you want to have so many cards? 5 cards already RM250 for SST. If you apply cards too frequently, banks might see that as a desperation

New OCBC titanium revision starting 20 OCT 2024

https://www.ocbc.com.my/iwov-resources/my/o..._Mastercard.pdf