You can complain to BNM. I'm guessing it's a card send to you or previously applied and you've requested to cancel but yet it's not done. So annual fees kicks in... blah blah blah that causes the "write off" aka special attention column.

cc late payment one day will have record?

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"