Keep in mind:
There is no commitment that they WILL actually reverse the charges. Tignan ko nalang sa susunod ko na statement. I guess the key point here is if Nov. 2 was a National Holiday. If it was, tama ako. If not, mali ako and I will pay the penalty.
This December I got my statement and the fees were removed. Yehey!!
So, pag holiday ang due date mo, magiging next business day ito dapat.