Name : Chin Jet Choon; Credit card no : [protected] I would like to complain that this is the second time your bank has failed to send me the e-statement for the month of October 2019. As a result, I was charged a penalty for late payment and incurred the finance charge again. When the case happened the first time in September, I called up to inquire about the finance charge and the penalty charge for the late payment. I was quite happy when your staff agreed to waive the charges for me followed by the assurance to send me the e-statement in future. If this is going to happen again every month, I would be forced to make extra payment which is absolutely not necessary, to your bank. I am wondering why you can send all the promotion matters to my email but not the e statement. I am very particular about my account and would not be happy to see those financial and penalty charges appearing in my account. I am considering to terminate my credit card if the situation is not rectified. Thank you.