I want my CC annual fee waived?

[_Cathy_]

You can always file for a dispute with the CC company. 2 of my cards were hacked last december nung ginamit ng anak ko to purchase some online game items. The disputed charges were already reversed in my last billing statement.

Btw, what credit cards ba ang may rebates sa gas?

Oh.Dati kasi ang hirap mag file ng dispute. You have to pay for the disputed amount first before they make the reversal which could take months. But that was over 10 yrs ago. Iba na pala talaga ngayon mga CC companies.

I use Shell Citibank but I am gonna cancel it na and switch to BPI Petron.

[boybi]

HSBC - Caltex
BPI Petron, BPI Toyota - Petron
Citibank - Shell

I only have two credit cards and so far my requests for waiver have always been granted. Once they did not want to so i politely asked them to cancel it, and suddenly nag-uturn na yung rep na kausap ko.

Yung sa HSBC and Citibank, any of their credit cards ba may rebate?

[boybi]

Oh.Dati kasi ang hirap mag file ng dispute. You have to pay for the disputed amount first before they make the reversal which could take months. But that was over 10 yrs ago. Iba na pala talaga ngayon mga CC companies.

I use Shell Citibank but I am gonna cancel it na and switch to BPI Petron.

You still have to pay first for the disputed amount. And I filed my dispute through the bank manager

[shadow]

You can always file for a dispute with the CC company. 2 of my cards were hacked last december nung ginamit ng anak ko to purchase some online game items. The disputed charges were already reversed in my last billing statement.

Btw, what credit cards ba ang may rebates sa gas?

ngayon mabilis na lang mag dispute, before pahirapan. you need to pay first bago nila i process... nangyari sa akin yan before meron gumamit ng standard ko sa duty free sa Subic or Clark yatam but during the purchase I was in the US, so meron akong boarding pass, ticket and passport stamp na evidence...pero pag wala yun ewan ko kung i-reverse nila...

ganun pa rin pala ngayon? kailangan bayaran muna? yun standard bank hinde ko talaga binayaran, kahit sabi kailangan bayaran muna...I dont care kung gusto nila suspend, basta I sent them yun mga documents to prove na wala ako dito

and I agree with you, wala pa rin akong bad experience sa citibank in fact sila ang first CC ko...they have change my cards 3X na siguro dahil tingin nila na hack daw...tumatawag na lang sila ang sinasabi papalitan

[vinj]

Yung sa HSBC and Citibank, any of their credit cards ba may rebate?

With HSBC, any of their CC from what i know. With Shell you have to get the Shell Citibank card and i think they have some usage terms for you to get the 5% rebate (if you don't hit an certain charge amount for the month, the rebate is 3% instead).

[CVT]

With HSBC, any of their CC from what i know. With Shell you have to get the Shell Citibank card and i think they have some usage terms for you to get the 5% rebate (if you don't hit an certain charge amount for the month, the rebate is 3% instead).

That is correct bro.,- mautak na sila ngayon... Kailangang ma-hit mo ang certain expense amount para 5% rebate; else 3% lang...

Citibank MC CashBack - 5% rebate sa groceries....

18.1K:rant:

[Ry_Tower]

Try ko pala ipa-waive yung sa BPI kahit na may installment pa ako by the time of the renewal.

Sakto may Metrobank CC na din naman ako eh.

[crazy_boy]

Pag ayaw ng CSR na iwaive mga fees, tawag nalang sa manager ng bank

totoo ito. basta malakas ka sa bank manager. nangyari ito sa BPI card ko. nagmatigas yung CSR, binabaan ko na ng phone. branch manager na pinatrabaho ko hehe

[poorprince]

for my case, my backup card is Metrobank (mastercard). For the second year in a row, my rewards points could not reach the specified amount to waive the annual fee (9-10k points). What I usually do is call the bank, ask for the fee to be waived, and they just instruct me make purchases worth 4-5k pesos within a period of one month to have the fee waived.

[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.

[kotiko]

Unfortunately in my case only 50% of my annual fee was waved this year. I was offered the "Gold" card last year and I accepted it. I tried calling to get it waived but the CSR was a hard-ass. I called again right after and inquired about cancelling, but didn't get any indication they were offering me a full waive so I put the phone down. After a few days I called again, this time the CSR was more accommodating and again I requested for the 100% waive to be approved. Got a text 3 days later saying I'm only approved 50%. Looks like I'm not a big player :p

But if it's any consolation, I do get my secondary card waived 100% (different month) and the card I was using before the "Gold". Should have stayed with that instead, 'cause this new one definitely has bigger requirements for a 100% waive.

I'm too lazy to go to the process of cancelling and getting a new one. I didn't know a local branch manager could do that, somehow I find it strange to just walk in to your branch, go to the bank manager and say "hey, can you waive my credit card annual fee?"... Well, obviously it should be more "articulate" than that, maybe I'll try it next time :D

Sucks to pay an annual fee though, all those paying on time and avoiding interest rates go to waste. Somehow I felt cheated. But if this one doesn't get 100% next year, I'd probably consider other options.

The most common method is: 1) Call the hotline 2) Request for the waive 3) If only offered partial, request for an "approval" of 100% 4) get the reference number / get notified after a few days. On my personal experience, it depends a lot on your credit standing ("confidential requirements on how to qualify"), and greatly on the CSR you talk with.

[d'flash]

before i also have CC na di ginagamit, then they charged me for a annual fee of 1200, HSBC ito, i just called their hotline to waive my annual fee, ayun waived na, i didnt initiate to cancelled this card, just keep it active, maybe in time baka biglang magamit.

[ghosthunter]

Usually if I want to have my annual CC dues to be waived, I tell them to cancel the card (this assumes you have other CCs to use). If they don't want to waive, or just offers less than 100% waive, tell them to start the procedure to cancel your card.

This works MOST of the time but not all the time. One time, my brother tried using this and ended up with a cancelled card. LOL!

[d'flash]

i was charged by metrobank ng 2000 annual fee, which is parang mataas yata, yung hsbc at bpi ko 1200 lang, i told them to waived my annual, but they refused and offered me to waive 50% which is 1000, ano ba magandang sabihin dito para i-waived nila?

[1D4LV]

i was charged by metrobank ng 2000 annual fee, which is parang mataas yata, yung hsbc at bpi ko 1200 lang, i told them to waived my annual, but they refused and offered me to waive 50% which is 1000, ano ba magandang sabihin dito para i-waived nila?

kung hindi ka revolver, ipa cut mo na account mo.

[d'flash]

kung hindi ka revolver, ipa cut mo na account mo.

transactor na ako boss, bagong buhay na

[cal0i]

In my experience, hindi na gumagana yung threat na cancel yung card kung ayaw i-waive.

I just use my points to pay for the annual. Atleast wala pa din lumabas na pera sakin.


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