Recently I apply for this UOB credit card. Thn i received the UOB platinium One card 1 month ago. But then I changed my mind to not use the card, so I did not activate the card at all.

Today, I recieved a letter from UOB. When I opened it and surprisingly it is the bill statement. How would I get a bill statement when I not even activate the card?! The bill statement is RM50 for GST.

So I call UOB for confirmation. The operator told me that I did not activate the card but charges for RM50 GST is automatically applied when the card is approved no matter the card is activated or not.

I felt like being cheated. So I asked her to cancel the card and reverse the RM50 charge. The operator told me the charge is cannot be reversed. So I must pay the RM50 even I want to cancel the card.

So she recommended me to use the card at least 3 time in 30 days (actually is 60 days but 30 days already passed) to get RM50 GST waived. Then I ask her, so I can use the card now? Then she said my card is not activated so if i would like her activated it now or not.

I felt totally WTF. First they charge me RM50 without my card being activated. No sms, email and letter to notice me about it. The worst part it that, I can't even use the card because it is not activated!!

So is this action by UOB consider SCAM? What should I do? any advice?

But that did not happened to other bank which I applied but did not activated.
Yes, how would I use the card if it is not activated? How was I was charged for smthing that I could not use?
and there are no sms or anything for it. I not even know I was charged for the card that is inactivated. I loss 30 days for using that card as part of the promo.

Actually the sale told me that I wont be charged for anything If i didn't activated the card upon receive. Guess Im being cheated.