Imagine you have a credit card with OCBC, as a principle, you apply a supplementary card to your loved ones..

The bank approved your application, the bank even post a letter informing you that the supplementary card is ready for collection at one of their branches. You as the principle accountholder, happily walked into their bank branch to collect the card, but you was told by the bank officer that Supplementary cardholder has to WALK-in to do the collection, Principle accountholder cannot due to security reasons!

Next, as the principle accountholder, you called to their contact center to change phone number for OTP e.g., OTP to be sent to principle's phone number instead of supplementary phone number. As the principle, you were told Supplementary have to call in to make the change of phone number request.

Is OCBC is the only bank in Malaysia treating principle accountholder as THIRD PARTY? Do you, as the principle cardholder of any banks, experiencing such treatment from your bank where Principle cardholder cannot make change requests. As principle cardholder, you cannot even activate the supplementary card with you OCBC internet banking, you cannot even setup/change credit card PIN and OCBC wont LAYAN you other than checking transactions history!

It is a nightmare dealing with OCBC and I wonder why do they have such an archaic policies in today's modern times! Really a nightmare as the principle being treated like a THIRD-PARTY by the bank!

This post has been edited by NoNameSoldier: Jun 28 2022, 06:20 PM

Your complaint has been forwarded to OCBC customer service. Thank you for banking with us.

only u still using OCBC jer....

It's KYC process of the bank

cukur

Lol at ts.

No experience in this, but seeing that your supplementary person cannot do it themselves I assume is your parents?

You could just use their phone/ password to do the online banking?

I do this for my mother for her principle cards

OCBC or RHB?

Even their deposit products the same.. You open an account today, your debit card can only use it TOMORROW

You activate internet banking, you can only use it TOMORROW

If you don't inform them to tag your phone number for online needs, they wont do it for you. Even if you have informed them, you can only use it TOMORROW

Orh See Bei See

i no go to bank, bank come to me
oh wai

I am quite sure OCBC will require the supplementary cardholder's consent to cancel the card.

The principal cardholder has no say in this. LOL!

Tak suka go open your own bank

No.. It is principle cardholder does not have power to make change request to a supplementary card ..

Example, OTP is usually tag to supplementary phone number. So, if you want to control online txns, you ring them up to have his/her number change to yours.. Principle cannot make such request in this instance!

why ocbc card though, dont understand, so many cards out there that is much better

LIKELY rhb, BUT i wanna cucuk TS

Sei sohai

What is even illogical was that, if the new credit card is a maildrop, you are fine, no need to do thumbprint..

But if the supplementary card is to be collected at the bank branch, principle cannot collect, it must be supplementary because of thumb print...

What even funnier was that the officer admitted openly that in usual case, principle can collect supplementary card. Even it is stated in the letter but different things at the bank branch

TS, Why don't u just cancel that OCBC (nak mati tak mati)card?

Kinda stupid. If your mistress overspend on your supp credit card gg right if she refuses to cancel it. Can just swipe all as revenge.

TS sure kecut bola liao. Insaflah.

Can kind of understand need supplementary card owner to be present.. wanna do thumb print / sign etc ma. Tac also , of cos to be send to supplementary owner's phone. Tak kan buy thing press TAC then send to main owner phone?

Cancel card kena walk in. Better think twice mann

When TS get scam then will ask why bank process not secure. When bank system secure verify things then say why bank need to do all these.

My old kolik say is Orang Cxxx Bukan Cxxx

Maybank ok je

Apply online, supp self kolek at bank but otp tag to my pong

I email complain n they just change otp number after that

Bodo So many banks outside to Use die2 want this bank. Just call and cancel straight they beg u🤭

Not just ts. I'd say the same to those who bising recently due to the hike of fraud/unauthorized transactions appear in news.

All the banks do this. Because you are a scammer

Why apply supplementary in the first place if everything need go thru u
Scared mistress simply spend?
Or sugar baby simply swioe

Then go apply for HSBC.

Come use CIMB...hahahahahahahahahaahah

it's for security reason la

OCBC ccb bank

I had credit cards with them for many years but were closed few years ago leaving few cents unpaid due to interest charges after final payments.

Called them just to waive it since just few cents and they disapproved the waiver request.

CCB

When you are their clients and they can earn money, they treat you well. When you leave, choi ni dou shou!

Just simply call the customer service lost card hotline anonymously. Just say you found the card somewhere and readout the card number. Card will be blocked immediately

Sg better

Frank have many design





This one super nice

This post has been edited by plouffle0789: Sep 9 2025, 06:33 AM

What menaing?

tukar HSBC or HLB

Last time work at Masjid Jamek area, always lunch in OcBC canteen. Got many nice waifu material OL

the best

Complaint all you want but I find ocbc exceptional when comes to security

They make it hard for you sometimes but it’s a form of deterrent

Maybe to combat mule accounts?

Oh see - action of pooping
Bei see - booger

You so damn free to go search for a 3 years old thread to necro?

Slight correction, it's principal cardholder, not principle.

The procedure you describe is almost similar to UOB. The only difference is I had all the cards, including supplemental ones, sent to my house. Too much hassle to collect it from bank.

The bank treats supplemental cardholders as individual clients. Which explains why by default the OTP is sent to the supplementary cardholder instead of the principal because when the application is completed, the supplementary cardholders had inputted their contact. If you had inputted your contact, the outcome would probably be different.

The only commonality is that you share the credit limit. Depending on the principal cardholder's instructions, the bank will either assign all or a portion of the credit limit to the supplemental cardholder. For example, if your credit limit is RM 50K, you can share that 50K credit with all the supplemental cardholders, or you can specifically assign an absolute value like 10K each.

If you apply credit card and terminate the card in a short period of time, it might affect your ability to apply for credit in the future. I would probably suggest to hold on to it first, you can choose not to activate it, and terminate the card one year later.