nope. irresponsible.
that day call me say my after my fd matured then will close my account. i said ok go ahead since it is online fd. keep asking me to go branch i said dont want. i tot close fd only. 😅

just cleared it. the letter say will send bank draft for balance.
think of it, i always play duitnow tied to this acct from. maybank cny games, raya games, deepavali games. may be too much. or my monthly payment to near 20 plus credit cards. 😅
anyway, so long.

got got. i already explained somewhere July last year (playing maybank games la, earning interest in other banks la etc) and the lady seems ok). i think coz i still have FD then that they could not close it.

ya bit shocking. coz last week one day before my fd mature a lady called say will close my fd account. or ask me go branch to close (i reluctant la). so i said what happened if i dont go, she said my fd account will be closed. I said ok la close la since it is online fd anyhow. then she said ok sure. like that only la for warning. 😅

That's not warning at all.

yaya i have credit card pink. see if they want to close or not haha. now my 360 had rm0, didnt know can clear all earlier.

yaya. psa shld be enough for emergency fund. wqs holding to 360 coz it can set multiple future payment in one page (but not enough time to input all card balances before the system trigger inactivity)

The design, functionality and ui is horrible

The only good thing is the security

Yes because they will double verify without tac which is tac is flawed system and not that secured

Go try Maybank and you will know why is useless in security

All banks in Malaysia should secured token which is the best but too bad all banks are bloody stingy in Malaysia 

Have you activated one token?

Hidden code is one of it as well coupled with one token

The only OCBC app sucks it is biometric password which are highly unstable

OCBC transactions need "One Token" which requires you to have registered phone device on hand to get token. It's not tied to phone number so it's not easy to get as TAC.

The point is that if someone who uses unregistered device or website (someone with access to your password n username) tries to use your account using ur password n username, without your registered phone they cannot get one token.

PBB still need OTP via SMS if use website, dunno about HSBC.

it's a small but strong added layer of security equivalent to needing a physical key

yea that's the risk which in practice not quite as successful (which is why scammers still need to trick ppl into revealing TAC), it's possible

Just call their service center and request for waiver. mine success.

received rm 25 sst waiver as well

I am able to log in to my 360 acc and transfer money without the one token prompt today. Done everything online (not using apps) Anyone face same issue?

hi, there is an option to request to waive for SST RM25?

I received their notification saying that for the ease of using and convenience, they will remove the OTP on login.

My OCBC credit card and saving account just got terminated by OCBC.

The Fraud Dept did one final call to me asking why I 'spent' so much on ZCity/Boost/BigPay/Shopee where the monthly spending is more than my reported salary with the Bank which doesn't make sense for them.

My answer is I'm the only one holding credit card in my family and i help my family members to purchase things online.

I think they don't buy it and a few days later they have terminated all my credit card and saving account on the reason of breach of terms and conditions with the Bank due to fraud.

Contacted the bank and they say decision is final. All my winnings from the campaign i cant remember which one but I won like several RM50 also being clawed back from the credit card.

I told them why they cant accept my answer, they say unable to disclose further.

Reported to BNM but seems no action from BNM as well, it's been a month since BNM wrote to them (on 8 August) to:
1. Consider reopening back the account
2. Disclose the reason and let BNM and customer knows.

The Bank just reply 'we stand with our decision and it is final'.

I've made follow up calls to BNM but no action as well. 2 calls to BNM and they still 'we will let the investigating agent know about this and follow up with you'.

On another side, I actually did contacted the agent i apply the credit card last time since I do occasionally refer my colleague to her for loans/credit card and she mentioned that my IC has been blacklisted when she try to apply the credit card again and the suspension period is until the year of 2999 in their system.

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).

that's me. i did like transferring 30k from ocbc saving acct to psa,  like 5-10 times a month. they called and i said to earn interest.

then after few weeks received a hardcopy letter saying they are closing my saving acct. i didnt argue as i have been working with Singaporeans and i know it is pointless.

haha ya, for half a year or so. explained two times through phone and they seemed ok. first time even suggested "is it to earn interest" to me which i said yes. about two months later call again and i said to earn interest. then few weeks later they asked me to go bank (like 2, 3 calls within a month) that i didnt want to. then i received the letter lo. by that time i already opened up sc psa and hlb so didnt want to pursue la.

oh they didnt cut my pink card. and gave me rm50 + rm25 tax after i tried to close it...
it is a process. there is no end. gain is calculated along the journey. 😉