I have a question.
What is the difference between ringgitplus and outside agent we see in malls for Credit card application? I am sure they are not direct to the bank.

1. Is ringgitplus an agent for so many credit cards?
2. If apply from ringgitplus, am i meeting up with some agent from them?

Anybody knows?

no you need to call to waive else ask say you want to cancel and not pay the fee since you have not use it at all.

Note *Inactive still can be charge annual fee.