I call arab-malaysian, they say the RM50 will be charge on the anniversary (next year).

I call citibank, they say they have not yet been notified by bank negara, so they're charging yet.

I call cimb, they said they will start charging on 1st Jan 2010. I'm going to cancel that card.

You will regret if you do so. A cash advance admin fee of 5% will be charged on the cash advance amount. On top of that, an interest rate of 18% per annum calculated on a daily rest basis will be imposed.