the credit card UXB Good thr 11/27. I thought December only charge annual fee.

now,i being charged RM 195 annual.fee. I got swipe the card on November. just wonder,can i pay other amount,and cut it,without paying d annual fee.

I spend Rm40k a year. not many swipes though. All auto deduction.

This post has been edited by Irresistible: Nov 16 2025, 11:10 AM

can if you cut now and inform u wanna terminate

This post has been edited by GalaxyV: Nov 13 2025, 12:32 PM

call the center and request for waiver

If this doesn't work

Call for card cancellation. Guarantee they'll waive the annual fee for TS to stay another year.

I just paid up current outstanding and terminated the CC before anniversary due date

I spend quite a lot. RM40K at least. this is non premium card.
Wonder why no auto waive annual fees

Same here, i have been using Uxx CC for more than 15 years, all these while enjoy auto annual fee waiver. Suddenly this year the customer officer said they have changed the T&C, need to swipe 24 txn per year.

Since i mostly swipe on cash back CC. Decided to terminate those non cash back CC as i used it mostly for auto debit deductions.

your 40k one time or throughout the year?.. they have stipulated terms like minimum 5 times per month irrespective of amount, etc..

CC and banks are like rapist
they'll slowly put their D in to see if you'll react. i no reaction, and you pay the annual fee by mistake, they'll continue thrusting.

also, i think banks stop giving for life annual fee waiver. probably just the first year or two and they start charging annual fees after that.

You kept quiet. They will pretend nothing happened. Live goes on as usual.

alot of banks these days change T&C ed, and they didnt inform you most of the time

recently my HSBC card i saw they amend where need min spending of RM6k a year otherwise RM200 annual fee

last time was just swipe 12 times a year any amount

I think they only like people that let them interest you.

SC, no more waive

Have to use their cash from cc, personal loan etc to waive

Mahem

Term and condition might've change. One of my credit card annual waiver condition change from must at least spend XX a year to a month.

i think the fee waiver was hot some time ago when many rejected using credit cards..so banks became creative.. that generation have become old and no longer use their CC or small transactions..
banks now see gen Z as big spenders and trying to catch them.. so make CC as a thing only rich can afford..

Y U NO USE NO ANNUAL FEE CC ?

TS what bank and type of cc u using the annual fee is RM195?

annual fee is pay for following year period

so if you get charged, still has transaction after that, just clear the payment, and ask cancel, they should pro-rate and return you 195 * 11/12 (because 11 months need to pay you back), most you lose 1/12 * 195

I was charged 'Service Tax' amounting to RM25. I believe this is the annual fee? I'm not sure if I paid this yearly but last year November 2024 statement it's there. I'll check again end of this month 2025.

Suka kerja last minute.