Same thing happened to me. Recently i applied housing loan from cxmb bank. The salesman told me credit card is bundled in the loan package. And if i dont need it, i can cancel it wihout having to pay single cent upon received the card. Eventually my loan got approved but i rejected tehir offer. Two weeks later a platinum card sent to me. I did not activate the card and i call customer careline to cancel since i dont need it. They allow me to cancel it but insist i need to pay for gst.. Wtf. I applied housing loan and i got credit card and i cant cancel it without paying gst. I also dont want to get blacklisted due to rm50.

Ok. Can i complain to bank negara because the salesman gave me wrong info or misled me? I dont want to pay gst

No. They insist they cannot waive the RM50 GST. If they want to bundle the credit card into the housing loan, they should only issue the card if the applicant already signed their housing loan offer letter. Else it is unfair and forcing people taking their card.

Other banks said credit card is optional and never forced me to apply for it during loan application. Only CIMB did. Now give me so many problem..