I'm holding a SCB CC with annual fee... i don't kind of trust to call in to cancel hence i walked in to SCB branch and cancelled the card. They terminate the card account and let me sign on a termination form where I read it as it had been terminated.

As I do not to call in and said terminate but later in the months, out of sudden, said I still owe them money... on annual fee that had been charged onto my card... afterall, even after the card had been terminated, no email nor SMS saying that my card had been terminated.

How to check by the way except for calling in to ask as their CS line also suck big time...