查看: 2603|回复: 13

信用卡闲聊区

17 主题	0 好友	5902 积分

一流名嘴

Rank: 12

发消息

电梯直达

1^#

发表于 2012-9-1 04:30 PM |只看该作者 |正序浏览

欢迎一起来Credit Card Chitchat

信用卡

收藏0

相关帖子

使用道具举报

hayashi

17 主题	0 好友	5902 积分

一流名嘴

Rank: 12

发消息

14^#

发表于 2012-9-5 10:58 PM |只看该作者

本帖最后由 hayashi 于 2012-9-6 09:24 AM 编辑

以下是我如何通过上诉获得的OCBC Titanium MasterCard.

7月27日-早上

在某论坛认识了某位OCBC职员在推销这张卡，反正已经知道这张信用卡的好，很爽快地答应申请，填好application form然后附上latest 3 months payslip

-------------------------------------------------------------------------------------------------------------------------------------------------------------

7月30日-中午

收到customer service打来的verification call，通常会跟你确认一些security info然后问你有没有了解它的T&C和申请此信用卡

-------------------------------------------------------------------------------------------------------------------------------------------------------------

8月7日-早上
发电邮去OCBC询问application status

-------------------------------------------------------------------------------------------------------------------------------------------------------------

8月7日-中午
很快的就有email reply，接着就有call来被告知申请失败（其实8月1日已经rejected了，没有任何电话和电邮通知除了这封信）

-------------------------------------------------------------------------------------------------------------------------------------------------------------

8月7日-下午
不甘心然后打算上诉，接着就是准备一份有分量的appeal letter （内容和格式是我从某论坛获取然后依照我个人的情况而修改）及附上employment letter to OCBC

I am writing with reference to look into why my recent application of OCBC Titanium MasterCard has been unsuccessful.

I fulfilled the requirements as stated to get the card by working as a professional engineer with a well known reputation multinational corporation earning not lesser than $XX,000 annually. I was really disappointed and simply cannot accept the bank rejected my application without provide a cogent reason based on my record alone.

Furthermore, I don't think I was blacklisted for anything since I managed to get my house loan approved by XX Bank just very recently whereby you could verify with CCRIS and CTOS if you need to.

Hence, I would like to appeal your refusal decision because I feel I have underlying facts that would make you reconsider. I trust my appeal will be looked at more favorably than my original application.

Please let me know what additional information is needed to expedite my appeal. In the meantime, I look forward to your response, hopefully with better news than last time.

Thanks with regards

-------------------------------------------------------------------------------------------------------------------------------------------------------------

8月10日-下午

几天过去但还是没回应，我就越想越气接着就跑去OCBC的Contact Us send了一封同样的complaint request

-------------------------------------------------------------------------------------------------------------------------------------------------------------

8月11日-下午
收到OCBC打来的acknowledge call，说有收到我的email，然后会follow up我的case

-------------------------------------------------------------------------------------------------------------------------------------------------------------

8月16日-早上
突然收到那位银行职员的pm，说我的上诉批准了（其实8月14日已经approved了，一样没有任何电话和电邮通知除了这封信）

-------------------------------------------------------------------------------------------------------------------------------------------------------------

由于遇到马来新年，我苦等以久的华侨钛金卡就延迟到Raya过后才收到

使用道具举报

hayashi

17 主题	0 好友	5902 积分

一流名嘴

Rank: 12

发消息

13^#

发表于 2012-9-2 10:08 PM |只看该作者

分享下我是如何cancel掉我的direct access，打去03-62047979 (Platinum, World & VISA Infinite)或03-62047878 (Gold) (在这之前请记得redeem完所有的points)依照指示然后选择跟customer service通话，确认身份后，他们会问你几个问题，如为什么要割掉信用卡，这个时候你可以大大表示你对此信用卡的不满，最后他们会跟你确认卡已经cancelled然后交代你自己把卡剪掉。以上就完成了此银行的信用卡cancellation，而且是没有任何书信通知的。