Expensive Lessons Learnt

What was I doing?!!!
May 2010
Sometimes when signing up for credit card, it comes in a bundle of many things, i.e. for HSBC, it came with a Ready Credit account which required something like an annual fee?
Some misconception - paid $70 (part of the annual fee) but, in the midst of it, slipped my mind to retrieve back the payment cos on the same day a few minutes after I paid, after their staff's explanation of this account type's "loan shark" nature, I terminated the account.