My one also cannot get waiver.
Well since can't do anything for me, then I tell them request terminate card.
Settle outstanding except the SST, then say goodbye to SC.
Yes, that's true to easily rebate. I call 2nd time the customer SC offer the balance transfer or do some installment in the credit card in order to off-set SST.
While I'm calculating for those balance transfer and installment, yet still need to pay interest rate even through I early settlement.
So end up it is NOT offer, it is make yourself pay more than SST. At the end, I request CS to terminate the card.
Awaiting the process teams to confirm for leave.