Dear Valued Customer, we hear you on this and this is definitely not the experience we have in mind for our customers. We are working hard to improve our products and services to meet the needs of customers, and your valuable feedback will be taken into consideration. Thank you for sharing your experience with us. Please do not hesitate to reach out to us at customer.service@etiqa.com.sg. You may also call +65 6887 8777 during Monday to Friday (excluding public holidays) between 8:45am to 5:30pm if you have any queries Cheers!