Cancelled credit card

Dear Mr. Tan
My wife cancelled her credit card with Standard Charted Bank in 2006.  It happened that there was a $25 credit in her favor.  So, for a few years, the bank kept sending monthly statements to her indicating that.  She eventually went down a year ago to a Standard Charted Bank branch (Marine Parade) to close her credit card account.  The bank sent her a cheque of $25 subsequently.  A few months later, she received a new Standard Charted credit card in the mail, unsolicited.  She cut up the card immediately.  Then, the monthly NIL return statements started to come in monthly.  

Today, she received a statement indicating a bill of $480 for the credit card annual fee.  She then had to spend 25 minutes waiting and talking to an Standard Chartered Bank operator about the whole incident and asked for the card to be canceled again!