they talked about how u could use the card for axs bill payment and earn heymaxx miles when the card was first launched.
then chocolate finance suddenly stopped axs transactions and told people that it came from axs side, and then axs clarified that it was chocolate that instructed them to stop.
on top of that, the dbs downtime made the instant withdrawal not instant that caused a panic within those finance group chats/ threads, so got a withdrawal spiral now. chocolate needs time to liquidate their funds to process those requests if they currently don't have enough liquidity.