I m very shock when I know one of canceled credit card under special attention column. I get to know the outstanding balance is 500++ from site bank and need to call to HQ back-end officer to understand whole situation. I had been calling a few time and the officer divert to a few officer. This local bank service really suck!!! I really frustrated to settle this issue, I have to do it else my car loan is pending for approval.

Finally I success get to right in-charge officer, she told me this 500 plus is cumulative annual fee charge since yr 2005. I told her I never activate the credit card and acknowledge I already received that card. How can bank charge me annual fee and so on. Her replied is once you apply and bank issued card to you, so that card is belong to customer unless customer cancel it. I really wondering, most of credit card is send by normal post, what is circumstance if card lost in somewhere and we are not aware the credit card already approved and sent to us. Why bank did not based user activated card as knowledge of receive card and agree the term of condition. I really feel bad and not willing to pay this RM250 although she oledi give me "discount"