Right now, my head is still spinning. Spinning from the unfriendly ibanking BOC portal and trying to figure out my credit card statement and payments. I was palpitating when I saw huge amounts debited in my Aug statement. It was a $280 "annual fee", $19.95 "goods and services tax", and near $80 "interest in the payment" amount. As much as I enjoy earning BOC's interests and rebates, I get confused sometimes with their ibanking portal. BOC has gotta up their portal design man. I always have difficulties understanding their credit card statements. Called BOC and it turns out it is my CC anniversary so I was "welcomed" with a $300+ annual fee charge, which they will help to waive off. Goodness, what if I didn't check my statement properly? As for the interest in the payment, apparently, I didn't pay my bills?! How could I have let ......