Need help urgently...

When I applied for my car loan in January this year, MBB gave me a credit card as well without me applying for it. Since I got the card, I have never activated it. I have just activated the card last week and to my horror, I see that there are some late charges of RM5 per month since the card is being issued. The late charges is for the GST which I was not informed of. There were no correspondence whatsoever to inform me of the GST or late payments.

Now, before I call n make noise with their customer service, is it fair for me to ask for waiver of those late charges? The amount is not much but still, I don't think they should charge me for it.

Sifus please advise.