for me I just called the bank and ask to increase my credit limit. then they ask me to write a letter, sign it and fax it over to them, 3 days layter my credit limit was increased from rm6k to rm12k. I did this every year now my credit limit is 30k and they upgrade to platinum cards with the upgrade, I'm able to 'skip' the government service tax I don't know how but I don't have to pay for these new cards. Probably because it's an upgrade..

I'm using direct access cards now. and I love CIMB bank

When is the date of transaction?

There's some double entry transaction happened on 14th August.