Premier shiet

Bank is only good when it comes to sucking money. The response and onboarding process were so quick after I registered my interest to join OCBC Premier Banking a few months ago. It is a complete opposite with everything that happens after that. My RM never even once contacted me to say hi lol. What an irony considering UOB and DBS called me in the past to offer insurance and investment products even though I did not have as much money as now.

Today was my first time (yay?) using the premier banking service to get a cashier's order for the 4% to execute the OTP. There was nothing premium about the whole experience. Before going down, I tried to get a queue number from the mobile app and I was told that there was no queue and I could just come down. When I reached, I was told that there were about 3 people ahead of me and I had to wait for about 30 minutes.

Part of the perks of premier banking is to have a waiting lounge with free drinks. Too bad the staff in-charge of the refreshment could not even be bothered. I sat at the bartop counter (because the other tables were lounge coffee tables which were troublesome to fill in banking form) and she did not even offer me any drinks. No wonder got people complained her as what she shared with another customer. Since I wanted to maintain my intermittent fast, I only asked for a cold water.

The staff was also very 'judgy'. I wore my usual t-shirt and bermuda so perhaps I did not look like their usual premier banking customer profile: smartly dressed or older uncles. When the teller was ready, the staff who tried to locate me asked the staff at the refreshment counter where was the "xiao di". Hahaha.. While I was happy that it was a testimony that I still looked young despite my increasing grey hair, it was quite unprofessional leh..

The teller who did the cashier's order for me was another typical grumpy auntie. There was nothing more professional than those tellers downstairs. It seems that the only edge of premier banking is to be able to sit down at a more atas lounge while waiting instead of standing in a queue.

I am considering to apply for OCBC Premier Voyage Card to pay for my stamp duties but I want to make sure that I can earn points and that I can make such a huge transaction. Another perk of premier banking that I cannot deny is shorter wait for the hotline. I learnt that I would not be able to ask for temporary increase of credit limit (apparently only situations such as wedding, hospitalisation and funeral can be considered) but I could pay the credit card with the stamp duty amount first. Unfortunately the hotline person seemed to be just a customer service officer and did not address my interest about applying for the card.

I actually already registered my interest in both 'Contact Us' forms for Premier Banking as well as the Voyage Card but noone contacted me so far despite the 'we will contact you within 1 working day', after submitting the form. The RM chat in the mobile app was not working for the past few days. Somehow it worked just now when I decided to email my RM and wanted to check the email address in the app. Let's see if I got any response on Monday.

In conclusion, nothing is premium about this whole premier banking shit. I suppose my housing loan application went smoothly few days simply because my friend knew the banker and I was giving the bank business, nothing to do with me being premier banking status. I also cannot tell if the 3.1% rate I get is just normal or slightly better. Oh well...