Last year waive 100%
This year beg also give 50% no F me.

Getting lazy to chase cashback already.

Not yet. Too lazy lol.

If u have used the card after annual fee is charged (latest statement), then u have to pay the annual fee first then beg for mercy for waiver.
If u have not, then u have the power not to pay and can ask for card cancellation.

My annual fee and SST was charged in my Dec/Jan statement.

I also used the card after that, 2 transactions in Jan/Feb statement. Requested for AF waiver before Jan/Feb statement which was declined and then requested card cancellation after Jan/Feb statement.

Settled card balance and EPPs.

Refund of the RM250 AF which appeared in February/Mar statement along with the separate case of missing Nov & Dec cashback. RM25 SST refunded a bit later so should be in Mar/Apr statement.

Card cancellation scheduled to complete in a few days time.

*no calls from SCB from start to finish.

i had bad experience with this SCB credit card...
i had annual fee charge me on Feb, and now i working on waiver...
they not allow to waive 100% like other bank instead hv to take up some package like cash advance or balance transfer with rate 5.88%..
it still cheaper than annual fees but why other bank can totally waive and not SCB...
somemore take so much time to call in and follow up with them...

i think everyone get trapped by offer by Ringgit Plus... they give you RM800-1k when apply but will take back from annual fee as they not going to waive you..
my wife using it but apply tru normal banking process and get 100% waive.. but mine cant waive.. even my friend also get caught with the same issue ...

going to cancel once i settle my EPP...... every years, i spend RM150k to 200k on my credit card but i cant get waiver..
UOB and RHB direct give me free for life credit card some more is Infinite and World Card but SCB charge me for a lousy Simply Cash Card....... lousy bank...