after a llooonnng conversation with (a very patient) shittybank
CSO, my long time problem is finally resolved (actually i was
calling to solve another problem, so shun bian lah)
but then, i still dont use the card often
and i had to press 1001 buttons, key in this, key in that,
verify this verify that before i can talk to a human being
and guess what, i haben showered haben eat dinner 