Use SC Appss. Send email

if you still have pending cashback to receive, then you can pay the 50% first, stop using the card first and finish redeem all the cashback first. Then only cancel your card. Wait that time if retention team call you back, only you negotiate with them the things you want.

if no cashback, you can just clear all your outstanding (beside annual fee and call them to cancel card, let it due and see if retention team call you or they straight cancel the card.

I did the second last year.

I use the same method to request them grant for full waiver instead of 50%. However, today receive the 50% AF rebate adjustment. So it is RM125 for simpy cash and RM87.50 for Liverpool, technically no point continue to use the card. The hard earned cashback is just use it to offset the 50% AF. After two months, redeemed all the cashback, gonna cancel straight.