220110:encounter with the banks

3 months in a row that i encounter with 3 diff banks....

nov: late payment of my CC, late settlement charges RM5, interest charges RM2.89.
dec: reason of reject cheque from CC, signature required.
jan: insufficient of fund in a/c, penalty charges RM50

lesson learnt! if the banker calls you early in the morning, it is sure not a very good news!