I paid my Ocbc outstanding balance as reflected in the statement in full and before due date. Thinking that I have already fully settled all my outstanding balance, I missed paying the residual interest which only appear in the next statement. I immediately made a full payment of the residual interest upon realizing it. I appealed for waiver of the late fee but my appeals were rejected 3 times by sms. I sent an email to explain and appeal for waiver in the e-banking mail but no reply after 1 week. I sent follow-up email and still no reply on the 2nd week. Yesterday, I called the Ocbc customer hotline [protected] and waited for 30 minutes but no one pick up my call. I hung up and call again. Finally, I managed to get a customer service officer to pick up on my second attempt after selecting general card enquiry. I have very good credit and payment profile, not a habitual or recalcitrant late payer. Banks approached me all the time to offer facilities and services. My experience with 6 or 7 other banks were totally different from Ocbc. I do not need to wait for 30 minutes to speak to a customer service officer. They do not put me through such frustrations to ask for fee waiver. All my correspondences were replied mostly within 3-4 working days. I will definitely cancelled all my personal and family facilities with Ocbc if my final appeal is rejected. Ocbc loss will be other banks gain. All this for $80? In the long term, Ocbc will gain more from my business than the this $80 late fee. These bad experiences by Ocbc customers will be other banks gain.
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