Buying online have to take precaution. Like I will only include the card to my Paypal when I need to shop. Using MBB's AMEX BTW. AMEX card's fraud case are very high, so MBB will stop any transaction if I don't call CS to approve the transactions.
Once complete my online purchase, I'll remove AMEX from my Paypal account.

Very dangerous with AMEX

What's you spending like? If > rm1000 and <rm2000, still the second card is the world's kampung hero card, WISE.
When you decide to use WISE, only petrol(must do transaction on the automated pump's machine) and groceries(Tesco, Giant, AeonBig, Mydin sure can get) and mobile will ensure you 8.25% of cash back.
BTW, if you are having good payment record, they can waive it. Guess with the latest OPR hike and to ensure the staffs are getting 6-12 months bonus, cheating the on penalty fees are 1 of the way.
Other than that will be HSBS, also all kind of excuse or CIMB.

1 to 3k
Meaning sure reach rm2000 a month?
Can list down what is your spending?

I'm trying my best to do so, but some people just never learn

Just TNB bill rm1800? Prefer to have a breakdown
If really just TNB bill, use HLB, 10 X rm100.

Yup, can give you 8.25% of cash back. Only bit of troublesome on doing the payment(have to use other bank's online service)
You are doing business or what?

How many cards you have beside OCBC?

It will be case by case basis.

You only every rm1 counts. Mine are every cent counts
That's why I start to hate some banks, want to give, just give but they choose to selectively give.

All also high usage?

That's the reason you get waived

They want to retain you

Is actually depending to your way of spending.
Online purchase alot, more risk.

By right we only need to pay rm250.
But once you lodge the police report and pending for investigations, they will still call you to pay the total amount. An attempt to cheat you on this.

Yes, you shall make police report.

Yes, but retain the statement for 1 year.

Be prepared with surprise
I also forgot that getting phone call or statement, need to pay

Usually will be there for 1 or months. Is local or international fraud case? If international will be much more complicated, considering our police's efficiency.

Even if you are required to pay, the max is rm250 only.

Verbal don't take for granted.

Better way to safe your ars

Good luck to you, try to get the black and white that you no need to pay
While I think bank won't come out this type of letter.
Still, with so many fraud case suddenly, there's something wrong