Beware so ppl wont forget to make payment lor.

The waiver of annual fee is up to each bank discretion, u have to read the card T&C before sign up instead of blaming bank for it

Which kad?

Annual fee is postpaid, so if u did not utilized your card after u got charged annual fee, you can ask for cancellation and annual fee waiver. same goes to SST.
If u already used the card then u are at the bank mercy.

Anyhow isnt it usually banks will waiver annual fees as long u fulfill the min spending requirements?
if u cant fulfill min spending better u cancel the card and move to other no annual fee card.

And yes u can balance transfer your balance to other card.

Wrong analogy.

If you been have using the credit card, the bank is already making money every time you charge the card. Those who don't get annual fee waiver are those who seldom use their card (bank can't earn any profit if you don't swipe the card), or those who never bother to ask for waiver.

SST can wavier? Who absorb? Sure Ka?

Wrong analogy.

If you been have using the credit card, the bank is already making money every time you charge the card. Those who don't get annual fee waiver are those who seldom use their card (bank can't earn any profit if you don't swipe the card), or those who never bother to ask for waiver.

Not really, I got annual n sst waived even though barely use the card.

Not true. Once I own OCBC banks 2% cash back with no limit. One year my rebate is > 3500. And I never owe them a single cents, no late payment nor any paneity.

They do not want to give waiver and I have to cancel that card.

does bank have a budget for this kind of waiving? somehow all the while, i felt that this is very unfair to all others who pay annual fees...

its like a neighbor in the taman who dont want to pay securities fees, then all other who is paying suffers

Who sohigh go pay annual fee for for CC?

So basically all they earned from you are transaction fees minus cashback. No wonder why you didn’t get the annual fee waiver.

Which bank so desperate to retain cc user? 

Only ppl with debt need cc. Your acc got duit Use debit la

I think it is signature or infinite card

call again.. maybe others r will give you full waiver