I requested increase in limit back in Oct 2020, however, rejected as they do not do limit increase at the moment.

So they do have my latest salary and the ratio is somewhere where u mention in the latter la.

I believe that is where the fraud dept coming from la. But I did ask whether paying for family member is prohibited and they say no la.

But banned until year 2999 i believe it's too much la. Meaning I cant do business with them at all and somemore I'm flagged in their system.

I also believe that BNM would not be able to ask them to reconsider as they bluntly reply BNM that their original decision still stand even BNM has explicitly mention to reconsider customer's appeal.

So in my BNM report, the first request was out of the window, but this comes the second request where a specific reason is given instead of 'breach TNC under clause 6 with the bank'.

What they can disclose (after countless calls with the customer service - and yes the CS  that handle my case is super helpful) is that it is tagged to the credit card.

And yes to answer other member in the forum question, I do earn RM2400+/- from the bank annually which I do never pay a single interest to them. On another note, I'm not sure whether it's because of the tabulation of the latest campaign that I join, I won RM50 x 8 weeks - which I did not intent to win since this campaign is pure luck - which might cause the concerned in the first place.

I receive the SMS, however, the money is yet to be credited to my credit card, and upon asking, they say all the winnings is forfeited due to cancellation of the credit card (which I understand on this part)

I also talk to the manager (Elin) in OCBC and she did mention like fraud/money laundering etc. Since my background is also in finance related, I explain what those terms are which she is speechless at the end and can just repeat the Bank decision is final.

at first they say, you are earning RMXXk but your credit card spending is average RM20k per month, which doesn't make sense. this activity is unusual and if you refer to clause 6.4(if im not mistaken) you might falls within one of this.

So I did google what 6.4 in their TnC so i ask which one specifically. She cant disclose but I believe she's hinting at fraud and money laundering.

So my argument for money laundering is that the source of money must be illegal in the first place - only than it can be classify within this.

I ask her how did I make payment every month, is there 'cash via CDM' taken place, the answer is no - all payment were originated from my RHB/SCB account, hence I believe the legitimacy of the fund should be investigate from SCB/RHB. If they are ok with in, since all money source could be trace, they could perform extra work as well to investigate further. I tell her as long not CASH or fund source from overseas account then it should pass their checking.

And as to fraud, I told her that all transactions are to a company incorporated in Malaysia and 3 out 4 of the merchant are BIG CORPORTATION that are well establish. And even they themselves might be even using BOOST/BigPay/ShopeePay at some point in their life.