Received a rare letter from DBS the other day, normally I'd just chuck letters from banks as they're mostly bills or ads, but as I don't have an active card with DBS I opened it out of curiosity. To my surprise it was a letter saying I had negative $70+ on one of my deposit accounts with them, and that if I didn't bank in the required money my account would be deleted.
Called DBS up, and realised they were charging a fall-below fee, and after talking with customer service for a while I managed to get it waived off.
Moral of the long story: Always check your bills, be it credit card, telco, or whatever it is. Sometimes the companies will charge you for various fees (eg. late fees, fall-below fees, annual fees etc) which could easily be waived by either calling in or even just emailing the companies. This could save you hundreds a year, especially credit card annual fees, which is just a lazy way for banks to earn money from you.
