I guess AMBank has the poorest customer service. I am still waiting for my year end loan statement of account whereby all other bank loan where i supposed to receive, has been already reached my doorstep. I tried to call their hotline today where they claim 24hours, but none answer the phone.
2) their flexi loan is not flexi at all. I once called up to check, if i pay advance payment of let say 30k. will it be auto deduct to the principal loan and hence reduce interest. But, the ambank replied with no as I need to go counter to pay and to do it at the counter.
Though I can understand each bank has got their system, but, so far, I had my loan service with OCBC, MBB, CIMB, and I guess all these banks are doing a good job. Whenever i paid extra, the money will auto deduct principal and the balance amount as interest charges. For Ie. MBB and CIMB, sometimes i paid advance for let say 3months and the following 2 months i pay nothing, and they just remain charging me the balance interest charges only with no complaint.
As for my current ambank loan, I guess I will re-finance and transfer to other bank after the 3 years of locked in period expired.
