hi all... i seeking some advice here.... las yr i applied UOD at carefour, then i get the card n i try to active it, and then i try to use in carefour, petro station, but it fail. so i tot the card activation got problem then i left it a side first, and put togather with all the junk mail and i 4get about it.
then after one yr... this few day.. they sent me a statement rm 500 for annual fees... i was very shock  ...
coz i tot the card not succes the activation pun.. and nvr sent any statement to me until tis mth wana caz me anual fee..... 
any advice wat i can do here?   

Here's what likely to happen if you do the report

- The bank will still ask you to pay because the authorised transactions occured before you reported your loss. Unfortunately, you are liable for it - read your card T&C and you'll see what I mean.
- Can try your luck but bank will say that either they will suspend payment for the disputed transactions (best case) or they ask you to pay first and then claim once the culprit is caught.
- Report to police and they will check the CCTV. If the CCTV capture is good and they haven't deleted the tape then maybe you can check but it'll probably take months before they can close the case. (Unless you are a VVVVIP)

Conclusion - you can try but be prepared for a very long wait and there's a chance that you will still lose in the end.

Lodge a case and raise a dispute with the bank, good luck!
My friend lost his card and he lodge a police report and filed in a dispute with the bank.

Eventually, he had to pay small amount of the bill only.