So THIS was what happened to my credit card. I was pretty understanding of the situation until all the red-tape caused my card not to be able to be re-activated the day before I went off last week.

With no other possible way for me to do it immediately except go down to my bank branch, which was a 20-min one-way journey away from my Office when I only have a 30-min lunch break and my day was booked full solid with appointments before I go off on leave. *blood going upstairs recalling the incident*

SIGH!