OCBC Frank Card

OCBC needs to increase manpower for their credit card processing.

The branch staff did a mistake on our form filling.  Then it took them so long to process a card, we miss out on the free luggage which we would have been entitled to if not for their delay.  All in all, they didn't care. 

Then the card didn't activate, though the SMS says it got through.  This resulted in a duplicate order, causing lots of inconvenience as we tried to take back money belonging to us.  It is 2 months now, and we have not gotten the money back.

The customer service staff, however, proved to be really helpful in trying to do what they can whenever mistakes crop up. 

It is the only card in town that allows you to choose from a variety of designs.

It offers 6% rebate for online shopping and 0.5% for other spending.  Minimum total spending, be it online or others, must amount to $500 before the 6% rebate is awarded.

Another improvement would be if they grant the "no-annual-fee" benefit to all OCBC Frank card holders, instead of only to those who apply at their branches.  Why penalize those who apply at their roadshows?