you can argue that you didnt know when the exact date is/was.

if you plan to cancel the card, then just pay the outstanding amount.

How significantly did you exceed the AF charge date?

I think you should have a strong case to appeal if you didn't use beyond one statement cycle (i.e. the statement in which the AF appeared).

U can actually appeal for waiver. Forgot to cancel my supp card auto billing which was after the annual renewal date but was told by CR that only usage on main card applies and even so u still can appeal after paying for it.

if both is principal, keep it for May, spend 1k get 100.....you cant find any card that gives you 10% cb

Not promo, part of card's feature.

https://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards

- 2% Cash back for all purchases all year long (except May and August) and capped at maximum of RM 50 per month.
- 10% Cash back for all purchases made in the month of May (football season ends) and August (football season begins) and capped at maximum of RM 100 during the specified month.