I, Lucky Tan, would like to apologise to the Credit Card Department of a local bank. Last week after I returned from my overseas work assignment, I found that I have received a letter say that I have not paid my credit card bill and late fees penalty + interest will be charged. I remembered that I have mailed the payment for all my bills so I called up the call center insisting that I have already made payment. The bank checked and confirmed that I did not pay, I was very angry as I distinctly remembered that I paid - now I have to pay late charge penalty and interest amounting to $82.5!! That amount of money means alot to me because it is worth at least 2 buffet dinners.
I remember on the day I flew off for my overseas trip, I was on a very heavy schedule, yet made sure all my personal adminstration, that included 8 different payments for SCV, OCBC, SingTel, SingPower, DBS, UOB...etc was all done before I rushed off for my overseas trip. My schedule was heavy as I had to prepare for my presentation, finish my report and make out 8 checks for payment. I was certain that I wrote the check for paying the bank.
I want to apologise because today I found the envelope containing the payment on my study desk. Apparently, in my hurry, I only grabbed 7 envelopes to mail out. I'm sorry for the distress caused to the bank's call center staff who was under tremendous pressure to verify that I had not mailed my payment. Given Singapore is trying to improve service I thionk it would have been better service to alert me if payment is not received 2 days before the deadline OR if there is flexibility in granting a short grace period OR waive the late fees....I'm sure an excellent bank like our local banks will consider it.
I would like to also thank the bank for not exposing the whole episode to all my friends, colleagues, relatives and to everyone who knows Lucky Tan. That would have unfairly ruined my reputation over an innocent mistake that can happen to any ordinary person. I'm also glad the incident is not reported in the media, otherwise people will mistake me for a person with no integrity, I'm sure our 1st world media with its high standard of integrity will not deliberately create false impressions of Singaporeans.
Singapore is lucky to have such great service from our local banks and public depts. They exercise great flexibility and respect the privacy of individuals. Just the other day, my friend went to register his newborn at the registrar of births, he filled out the Chinese name wrongly and had to ask for another form, but they did not disqualify his baby from being a Singaporean. They even handed him a form without verifying with the CCTV that it is an honest mistake.... not that he wanted to register his child with Chinese name that composed of characters not found in the Chinese dictionary. Now how is that for good service....kudos for the public servants for good service.