Prior to my case on AF charged, i requested to cancel my card. Subsequent to that, CS called back to waived and instead offer me several good deals.

0% Balance transfer up to RM7000 for 3 months; Or
RM200 spending for RM50 guarantee CB.

Do not ask me info on the RM50 CB as i didn't enquire more, opted for the BT.
Fingers crossed just submitted my application on BT, will get a reply soon, and shall update u all

Don't keep cards that not in use, call banks to cancel them. SST or AF can be charged.

Yes. Kena before. Never activated the card cause i didnt want it. Thought no SST will be charged. After a few months, the bank called me and said I have an outstanding and checked my ccris it was all 1s.