Credit cards are such a beautiful trading tools these days. There are so many banks offering their services and they only worry if you are not with them! Bingo! Every year when the credit card company going to send me an annual fee, I will always put up a fight with them.
I will begin by telling them nicely, I am not happy with the charges, and other is offering more attractive promotions or fees! Tell them you want to switch, unless they do something for you. Almost 80% of the time they will agrees to WAIVE the annual fee for you. Hehehehehe! Why not! They have been making us using the card and they benefits from it. Somemore wanna charge us annual fee.
However, this stance is only for good paymaster. If you were the kiasu who always have bad paying history then it will not work for you. It will be an answered prayer to the credit card company that you are self terminating :-P
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