I recently got a credit card renewal payment notice from my bank in Canada. But the thing is, I had cancelled my credit card before I moved here.
So I call my bank...(they even have a collect number! I didn't even have to pay long distance charges). The customer service rep was very friendly, asked for my credit card number, my date of birth, and my credit limit.
She apologized for the card not having been cancelled, said she would cancel it right away, and that she would reverse the charges so I didn't have to pay anything.
The whole process took 3 minutes of my time. Amazing!
Now that's what I call customer service! Something all banks in the UAE should learn about.