by the way he didn't mention it's chinese.
so who knows maybe it's japanese.
fully imported from japan so without any english wordings.

Did you get a black and white stated your AF will be waived for another 3 extra year? My case was they promise via words, but didn't keep it. The promised to waive 3 year for me. Yes, the first year it was waived, but the second year they charged me. Excuse is they don't know there is such offer for 3 year AF waiver in my account. Basically there is no consistency la!
** how I solved it? I actually write down the name of the person who offer me waiver one year ago. Call here and there , write in so many letter, then only they admit is their mistake and waive for me. It is too hassle. Hence no more UOB for me unless really good offer

How do you confirm you have 2 years free AF? Phoned the customer service?

I just started using and I have no idea my AFZAN is being waived for 1 year or 2 years, haven't called up the CS yet. Must be careful on the AF, rm168 for one plat is not cheap.

Yeah.. This is the tactic.. Don use their card if u know ur AF is approaching.. My case, retention dept sure call after 1 week.. Or I will receive SMS mentioned that if I'm interested to hold the card, just reply the SMS n they will call me back..

lesson learn...I still have 2 year free...just got mine last mth

Did you get a black and white stated your AF will be waived for another 3 extra year? My case was they promise via words, but didn't keep it. The promised to waive 3 year for me. Yes, the first year it was waived, but the second year they charged me. Excuse is they don't know there is such offer for 3 year AF waiver in my account. Basically there is no consistency la!
** how I solved it? I actually write down the name of the person who offer me waiver one year ago. Call here and there , write in so many letter, then only they admit is their mistake and waive for me. It is too hassle. Hence no more UOB for me unless really good offer

There is no black and white for my case. I didn't request for that though. I plan to call again for the coming anniversary year to request for a waiver. Meanwhile, if it happens that I need to call cs, I can check with them if the waivers for another 3 years are stated in their system.

Anyone knows if there's any in call recording free app?  Wondering if it's easier just to send email complaint and attach the audio recording as evidence.

It was written either in spanish/italian/french/

Anyone knows if there's any in call recording free app?  Wondering if it's easier just to send email complaint and attach the audio recording as evidence.

not necessary. just jot down the time and date of call and name of the staff. the bank would have the recording.

Android phone got.. U search something like call recording.. iOS phone don have..

I want to give them the recording so that they know I am serious when making complaints. and cc BNM.
Thanks.

Warning: Do not get Lady's card for more than a year, you will be charged on annual fees of RM 68 + 6% GST. (you could only waive with the damn it 50,000 points) 

try to negotiate for the af waiver.

Had called up and need to wait for the result. 
somemore if I cut now the cash back could not get back... 

tip: when negotiate, don't talk soft with them. previously they insisted to charge me but i was firm in requesting for waiver. she said need to escalate this and ask the retention team to talk to me. i told her don't waste time and just waive off the af. don't wait until i have decided to cancel the card only you guys want to offer the af waiver. they didn't call me back and i got my af waived.

I did mentioned i want to cancel this god damn card la. lets see the result on next week.

Warning: Do not get Lady's card for more than a year, you will be charged on annual fees of RM 68 + 6% GST. (you could only waive with the damn it 50,000 points)