Banks are like that. Before when I have Direct Access and Citibank card, I ask to be upgraded and none of them is willing to give me the upgrade

Then I just decide to cancel the card when government comes out with the Rm50 tax I just go and cancel both the cards. Next week I get 2 plat cards on mail

l received SCB official letter by mail when l called customer service to cancel my cards. I had to go thru many hassles as l had to wait for SCB to call me back to confirm the cancellation.

I got those 2 cards when I first started to work, after few years I reached the income requirement and asked to be upgraded to Plat. I called CS to ask to be upgraded and they say no without asking me to submit proof of income.

Then I just went to the bank and cancel both the cards when government starts to charge the tax. Next week after I cancel I receive those cards on mail. Their system must have a record that I asked to be upgraded before and they send me the (plat) cards. I did not activate them and just chuck it aside.

SCB called me and offered free annual fee and cash reward of RM50 per card. I told them went ahead to cancel as l didn't want credit card with annual fees.