I want my CC annual fee waived?

[kenzie]

i have not used my RCBC card since i got last 08 never once ... I got a annual membership fee billing the other day ... is there any way i can ask them to waive it? thanks

[userfriendly]

mahirap yan since you never used your card. from the bank point of view, they are not making money from you. so your an expense not an asset. since you dont use your card, why not just cancell it. that way you dont pay for the annual fees. The bank might even waive the annual fees and renew your card.

[shadow]

pa cancel mo lang then pag tinanong ka kung bakit, sabihin hinde mo naman ginagamit meron kang ibang card na regular na ginagamit mo dahil malaki naman yun limit mo doon, para offerang ka nila ng waive annual fee and baka taasan pa credit limit mo..hehehe

[ghosthunter]

i have not used my RCBC card since i got last 08 never once ... I got a annual membership fee billing the other day ... is there any way i can ask them to waive it? thanks

Frankly if you didn't use it for a year, it is better to simply have the card canceled, especially if you have two or more other cards.

The credit card company can do two things when you request for a card cancellation.

1. they will cancel the card outright.
2. they will waive the annual due in exchange that you keep the card in case you will use it in the future.

[kenzie]

thanks for the input guys ...

i have another card that i regularly use ... so this is like my back up card..


anyways i might just call them and ask if i can cancel the card if they would'nt cancel my annual fee... thanks again

[mbk347]

buhayin ko lang thread na ito

HSBC MC Card sa akin, just threaten your CSR :innocent: that you will cancel your card to waive it before you reach annual fee date... sayang din yong 1,500....

any tips about any other cards that can be waived yong CC...

i heard CITIBANK cannot be waived....

[Black Hornet]

buhayin ko lang thread na ito

HSBC MC Card sa akin, just threaten your CSR :innocent: that you will cancel your card to waive it before you reach annual fee date... sayang din yong 1,500....

any tips about any other cards that can be waived yong CC...

i heard CITIBANK cannot be waived....

Yung sa Citibank sir puede manegotiate last January they tried to charged me sa Shell Citibank ko ng annual fee both principal and supplementary yung na negotiate ko is waived yung supplementary and half na lang yung principal. Pero galit pa din misis ko kasi pag-sya principal talagang di kami nagbabayad ng annual fee like sa hsbc and bpi waived lahat for both principal and supplementary. mahina din kasi ako sa negotiation eh...

[crazy_boy]

buhayin ko lang thread na ito

HSBC MC Card sa akin, just threaten your CSR :innocent: that you will cancel your card to waive it before you reach annual fee date... sayang din yong 1,500....

any tips about any other cards that can be waived yong CC...

i heard CITIBANK cannot be waived....

This doesnt work specially if you have pending instament payments. Mautak nadin mga CC companies ngayon. You can only threaten kapag malinis yung account mo hehe

[mbk347]

This doesnt work specially if you have pending instament payments. Mautak nadin mga CC companies ngayon. You can only threaten kapag malinis yung account mo hehe

yep... correct kayo diyan boss CB....

[mbk347]

problem minsan hirap din mag pa cancel ng Credit Card....

[testament11]

May BDO at Metrobank CC ako. Yun BDO, may annual fee. Pero yun Metrobank ko, wala, as in walang annual fee. Yun nga lang, walang reward points.

[Retz]

Pwede bang i-waived annual fee ng mga specialty cards such sa Premiere miles and Toyota Master card?

[asb75]

ang credit card ko walang annual fee 2 years ko nang ginagamit.

[shadow]

whether you have an existing installment or not, they will waive your annual fee as long as you've been a long time card holder and siyempre with good standing...

sa sobrrang dami and bilis na kumuha ng CC ngayon eh, napakawalang kwenta na ng CC...banks will try to keep you happy...takot lang nila lumipat ka sa iba...

and another thing with the advent of call centers, ang dami-dami na default now sa mga CC dahil hinde mabayaran ng mga agents.kaya they will always try to keep yun mga lumang card holders na matagal na...

if they accept your threat of cancellation then cancel it and get a new card from other banks...

hinde na katulad dati na having a CC is a status symbol..wala ng kwenta CC ngayon. its just another junk in your wallet.

kahit sa mga banks where you have your accounts, wala rin ako kabilib bilib sa mga yan, gamitan lang yan. if they know you have the money and nakadeposit sa kanila para kang hari, but kung wala kang pera or ordinary depositors ka eh parang utang na loob mo pa na tinatangap nila yun pera mo...

kaya always put it in your brains na mas kailangan ka ng banko kesa kailangan mo sila, unless of course you needed to get a loan...then that;s a different story, pero kahit sa pag loan...bias din mga yan.


when I was younger and starting, ayaw ko mag CC but my dad told me then that having a card was a sign of good credit standing lalo na kung meron kang ka meeting na client or something for business, pangit nga naman tingnan na na after a business meeting eh cash ang ibabayad mo sa resto or kahit saan...parng walang kang credibility.

but now...pucha! CC is nothing... kahit Gold CC now is nothing...platinum wala na rin kwenta..pautot lang ng mga banks to pry you to pay higher annual fees.

yeah, monthly interest would be lower for the golds, platinum and other fancy precious metals they call their CCs. but if you always pay the full amount walang kwenta yan, rewards is better but come on...paminsan-minsan lang yan...kailangan mo pang brasuhin para bigyan ka...

maganda lang CC pang nag travel ka abroad.

kung ayaw nila i-waive cancel ang lipat sa iba.

I remebered dati uso PSP, meron ka makukuha sa HSBC...walanghiya nagtanong ako at nakakuha naman pero ang catch sa HK pa i claim, nagpa claim pa ako sa kapatid ng kaibigan ko sa HK then pinadala dito...

tapos CATS play sa citibank sila sponsor, kailangan pang humungi kung hinde mo tatanungin hinde ka bibigyan...

pero pinakasulit yun HSBC sa travel points which tinigil na nila dahil mautak mga pinoy....chop-chop ang bayad..my cousin got a 15 seats 2 way free flights * to US and Japan...kaya yun pamliya niya 3X pumunta ng japan and US 2 years ago

[ZENMasterTYL]

kung ayaw nila i-waive cancel ang lipat sa iba.

+1000

[testament11]

but now...pucha! CC is nothing... kahit Gold CC now is nothing...platinum wala na rin kwenta..pautot lang ng mga banks to pry you to pay higher annual fees.

yeah, monthly interest would be lower for the golds, platinum and other fancy precious metals they call their CCs. but if you always pay the full amount walang kwenta yan, rewards is better but come on...paminsan-minsan lang yan...kailangan mo pang brasuhin para bigyan ka...

Well oo. Parang common na talaga, kahit yun mga higher CC levels. Example nalang nga eh ako. Wala akong kamalay-malay na magkakaroon ako ng isang gold CC from BDO. Eh wala nga akong ni fill-up na application form eh. Its just that yun FM namin ay under loan sa kanila for 2 years. Pero hindi ko iniisip na magkakaroon talaga ako.

With regards sa reward, sus, ang barat naman nila kasi magbigay ng points kaya nga sabi ko sa isang post ko dito, ang reward points is only secondary, if not least priority on acquiring a CC.

Tsaka may kamahalan annual fee ng gold card ko. Ewan ko pero parang mahal ata sa 2.4k? Though next year or sometime later this year pa naman...

[_Cathy_]

but now...pucha! CC is nothing... kahit Gold CC now is nothing...platinum wala na rin kwenta..pautot lang ng mga banks to pry you to pay higher annual fees.

yeah, monthly interest would be lower for the golds, platinum and other fancy precious metals they call their CCs. but if you always pay the full amount walang kwenta yan, rewards is better but come on...paminsan-minsan lang yan...kailangan mo pang brasuhin para bigyan ka...

This is so true! I was offered an upgrade on my card to Platinum but I refused this because the AF was P5000 relative to Gold which was only P2500. The only perks were triple the miles, 5% (instead of 3% rebate on gas) and lower interest rate. The cost of the AF is not enough to offset the perks since I also pay my balance in full. I only maintain one Gold para sa proof of financial capacity, the rest are regular cards and I always request for a 25k credit limit so if the card gets stolen or hacked, not much could be charged.

I call lang to request for waiver of annual fee. The most that I had was 70% discount on AF with Citibank. My monthly purchases are not so high and I pay it in full so they don't earn too much from me unlike from revolvers.

[BratPAQ]

problem minsan hirap din mag pa cancel ng Credit Card....

I think may hihingin kang document sa CC Company as a proof na cancel na yung card, thats what my wife did, di ko lang maalala kung ano tawag sa document.

[dale323]

This doesnt work specially if you have pending instament payments. Mautak nadin mga CC companies ngayon. You can only threaten kapag malinis yung account mo hehe

I beg to differ. meron ako 2 HSBC (one MC and VISA), both with pending installments but napawaive ko sila ng walang problema. Just maintain good record and ask them nicely that if they will not waive the annual fee, you'll just cancel your card. for 4 years ganun lang ginagawa ko. BPI is much easier to waive this fee. Sabihin mo lang sa CS, ok na kagad.

[Retz]

Ano mga credit card company na okay ang service at ung mga hindi? para ma avoid namin.