QUOTE(vex @ Jul 18 2014, 03:09 PM)
today call CS to waive the AF, failed.
read the forum and call again, ask for alternative.
they say can cancel the card on the spot, the AF can revert.
but I got rm 44 cash back will gone also.
so CS say, ask me use the CB card and get the rm 50. then only call them to convert to choice card, they will revert rm 195 for me. not sure they will cheat me or not.

they r trying to help u get the cashback and not waste it, then change to another card w/o paying the af, at least for this time.
i believe they checked yr history and data, see u as a good customer to keep. others they may not offer the same - no offence to anyone.
all banks r under pressure to incr margins and profits and not risk too much potential bad loans or too low spending; they will trim and prune as they deem fit.
we consumers, we do the same - we trim and prune the banks too if the offers are crap.
supply and demand, the game continues - all good and healthy.