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.

Fraudulent activities define as activity is deliberately deceitful, dishonest, or untrue. They have made 4 calls to me asking what are the nature of transaction of which I've breakdown to them as
BigPay - RM1,000 per month is for normal spending
Shopee - RM15,000 per month consists of 6 Shopee account for 6 family members which my siblings would pay me back just that using my card to earn cashback
Boost - RM4,999 per month also for 6 family members

Why cant the answer above cannot be accepted. I'm the youngest in the family and I believe others are earning higher than me monthly, and as long no 'business' is involve, im using my card for personal use (which includes family member authorised usage).

May be it is good to have many cc n split your spend among them than rely on a couple of cc. A couple of times my rebate touched >250 but mostly <100.

happened to me as well but its ambank , no reason given on my account closure just send me a letter out of the blue and ask me to go branch complete the process
well they are the boss afterall , and they can decide whose business to take 
i just move on after that ... 

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.

Fraudulent activities define as activity is deliberately deceitful, dishonest, or untrue. They have made 4 calls to me asking what are the nature of transaction of which I've breakdown to them as
BigPay - RM1,000 per month is for normal spending
Shopee - RM15,000 per month consists of 6 Shopee account for 6 family members which my siblings would pay me back just that using my card to earn cashback
Boost - RM4,999 per month also for 6 family members

Why cant the answer above cannot be accepted. I'm the youngest in the family and I believe others are earning higher than me monthly, and as long no 'business' is involve, im using my card for personal use (which includes family member authorised usage).

May be it is good to have many cc n split your spend among them than rely on a couple of cc. A couple of times my rebate touched >250 but mostly <100.

Did AmBank close your credit card account or savings account or both?

I only have savings account with them at that time

RM0.00 OCBC: You've spent on your OCBC Card. Continue spending cumulative RM90,000 & stand to get an ACER Chromebook. Til 6 Oct 2021. T&C www.ocbc.com.my/ACER
anyone received the SMS from OCBC?
It seems like RM90k spent with a chance to win a low end laptop around rm 1400 to 1500 ?
https://www.senheng.com.my/acer-chromebook-...ASABEgLsfPD_BwE
Seems not so worth it. RM 90K is not a small amount also. Is it a typo? LOL

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.

Fraudulent activities define as activity is deliberately deceitful, dishonest, or untrue. They have made 4 calls to me asking what are the nature of transaction of which I've breakdown to them as
BigPay - RM1,000 per month is for normal spending
Shopee - RM15,000 per month consists of 6 Shopee account for 6 family members which my siblings would pay me back just that using my card to earn cashback
Boost - RM4,999 per month also for 6 family members

Why cant the answer above cannot be accepted. I'm the youngest in the family and I believe others are earning higher than me monthly, and as long no 'business' is involve, im using my card for personal use (which includes family member authorised usage).

I received sms but mine is 10k , prize was a cheap samsung tab , range like rm600+- , with also 3 unit fcfs
Which i think should be fully allocated yet they still sms me
How long you been earn this 200+ cb ? Consistent more than a year?
My last year spending should be more than 240k but luckily they dint not kacau me ,might bcox i using A different card type which giving low cash back
Now see ur case ,make me not dare to spend with this card ...

why OCBC will flagged the card? As long as there is usage will be fine.. They suppose to block certain merchants that often used  by user instead of blacklist their customer..

I received sms but mine is 10k , prize was a cheap samsung tab , range like rm600+- , with also 3 unit fcfs
Which i think should be fully allocated yet they still sms me
How long you been earn this 200+ cb ? Consistent more than a year?
My last year spending should be more than 240k but luckily they dint not kacau me ,might bcox i using A different card type which giving low cash back
Now see ur case ,make me not dare to spend with this card ...

I would say it is very rare case. Only targeted to particular user whose with very "extreme" activities. E.g extreme numbers of transaction & transaction amount. 99% users wont be affected.

There was a case that one user abuse her personal cc to company spending to gain points and resulted on all the points being forfeited by bank.

I received sms but mine is 10k , prize was a cheap samsung tab , range like rm600+- , with also 3 unit fcfs
Which i think should be fully allocated yet they still sms me
How long you been earn this 200+ cb ? Consistent more than a year?
My last year spending should be more than 240k but luckily they dint not kacau me ,might bcox i using A different card type which giving low cash back
Now see ur case ,make me not dare to spend with this card ...

I doubt the OCBC but Shopee should be the one raised to OCBC to blocked the user from spending

The problem is Shopee has no power other than block8ng or blacklist the accounts but due IC verification and the accounts are tagged to cardholder hence they raised the issue to OCBC to check on this extreme spending 

Yes, then Bank should block Shopee and not blacklist their own customers a....

But the bank should just block the merchant of that user card only instead of blacklist especially if there is no late payment or delay issue since there  is the credit limit? OCBC should  honour the cashback and to notify  the user or block certain user.. It  is completely no fair.. perhaps can keep complaint to BNM about it.

Especially if they have such a high spending campaign, then block/blacklist their customer? That will be a very good argument to be raised to BNM I believe..

Yes, then Bank should block Shopee and not blacklist their own customers a....

Shopee also their customer. In fact, bigger customer compare to individual.