Even though I fulfill their income requirement, I won't apply again as it has no interesting cards. So nothing to lose actually if one cannot qualify.

It is OK, once you pay off then can cancel it.

SCB I also cancelled its Journey card recently. As for Apple Pay, my main cards are still from Maybank. Waiting for HLB to implement into Apple Pay too.

Just send them an email on complaints@hsbc.com.my, most likely no need to go till BNM.

Mine was AF and SST, and I didn't spend on the card after these were charged, so I told them it makes no sense for me to pay for them before I cancel the card. I asked them back why I need to pay for something I no longer require. And I told them to give me an official reply, and if the response doesn't meet my expectations, I will escalate it to BNM.

Yes, I cancelled mine last year July and never looked back.

Of course. They wrote off the AF, SST and financial charges incurred due to ding dong for a few months. Closed my account and removed from CCRIS.

But there are other banks which offer 0%. Why bother with 2.88%?

No point considering at all if it is with interest.