One thing that you need to understand is that unless the credit card product specifically mention in their application disclosure (like HSBC do) and/or publicly mentioned that the card product is free for life (e.g MBB2, Direct Access) then the product is UNLIKELY to be free for life. The free for life is merely a marketing gimmick by the card promoter to get you to sign up.

From your story it sounds like your card product is free for the first year only. (Unless you can product B&W proof then your application did mentioned free for life) I'm afraid BNM is right when they mentioned that the bank have the right to determine their policies to their customer.

One thing I don't understand is why you allowed the bank to get away when they charge you the Annual Fee in 2009? Plus you allow it to happen again in 2010.

They don't want to waive then just cancel the card ... is it a simple and clear decision to do.Can you explain your decision to us as to why you are so hard up with this Hong Leong credit card ?

There are many card products out there and consumers have a choice.
Bro ... it is the bank's prerogative whether they want to waive you or not. It is not automatic nor it is your right to get the waiver.

thanks for yr reply. i am a  frog under the coconut shell. i dont know bank will charge annual fees silently even free for life. I took for granted and just pay the ammount in the bill until lately my friend told me there will be annual fees though is free for life, I need to call to waive. So, i called last month...and bank refuse to waive the previous year.
Dont you feel bank is doing dirty job? Their software cant detect who to waive and who cant waive? this is obviously a trap .
Now i am credit card phobia...i dont hold any of them. If they call me apply, i make sure they get scolding from me though is not their fault...it is society fault. Design so many rules and tricks just to steal public money and you cant sue them as they are taking advantage of the loose law

don't forget that u still need to pay GST

Wanna ask a question don't know if anyone can help.

I currently hold 3 credit cards:
Maybank World Mastercard CL RM 80k Outstanding none
CIMB World Mastercard CL RM 100k Outstanding 80k
MBF World Mastercard CL RM 50k Outstanding 40k

Been holding CIMB card since 2007, Maybank since 2008 and MBF since 2010.

That is all my commitment. No car loan no housing loan etc. Monthly gross salary is RM 25k. Payment in CCRIS all prompt never late. Do you think if I apply cards from other bank they will approve or do I fall under "high risk" category? I'm in my mid 20s.