I’m a holder of a Citibank MasterCard, number 5421 7701 2454 3537, and paid the minimum payment of Rp150,000 at Ampera General Post Office, North Jakarta on September 25. A few days later, I was surprised by an announcement from collection fee officer that I had not paid the minimum payment for September. I refused to pay again as I had proof of payment, which I sent to the bank by facsimile. However, the fax was not clearly visible due to