Last year I applied OCBC Cashflo card with free 1 year annual fee. One year has passed, last month bill saw they charge me about RM200 of annual fee. I immediately called OCBC to  request for a annual fee waiver and few days later they reject it. I keep doing it few times and they keep reject it until I fed up. I called and request to cancel the card hopefully to get the annual fee to reverse out. But they still die die don't want to waive off the annual fee until today.

I always pay the bill puntually. Why OCBC treat their customer so badly? Instead of paying the annual fee, what can I do now?