BOC family card has increased the limit from $500 to $700. I was not aware and my spending was short by $26. It refused to give me rebate due to the difference of $26 and claimed that they have sms me when there was a change which i did not receive. Very angry with them. Am going to cancel all my cards with them and withdraw all my FD when it expire in Nov 2018. It is very difficult to reach them too especially those customer service officers in china. It dont even consider when my usage with their Union pay card exceeded by $400!! Sickening bank!!!