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any tips on waiving credit card annual fees

tops5450 · 97 · 55391

tops5450

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on: Dec 02, 2008, 10:50 AM
My hsbc credit card will soon expire and I am planning to call their hotline to ask for a possible waiving on their annual fees. Do anybody here have tried this out already?

Or better yet cancel my credit card and re-apply after a couple of months again with them to avail of annual fee. Is it possible?

Or the best things to do is apply a new credit card with other company that offers 1year waining of annual fee. What do you think guys?

Feel free to share your insights and experiences.


voltes5

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Reply #1 on: Dec 02, 2008, 11:08 AM
try mo tawag sa hotline number tapos try requesting if pwede i-waive yung annual fee, especially if you use it often, pero i-redeem mo muna points mo kasi baka dun ibawas, then kung ayaw nila threaten them that there's a new credit card company offering you waived annual fee, cgurado libre na yan. it worked for me, sayang din 2k.


tops5450

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Reply #2 on: Dec 02, 2008, 11:21 AM
Thanks for the heads up sir voltes5. cheers


bicolano008

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Reply #3 on: Dec 02, 2008, 11:26 AM
voltes5 is right, take his advise, it works to me too.


GoodSteward

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Reply #4 on: Dec 02, 2008, 11:27 AM
For Hsbc, wha ive experienced is that just call their hotline and pa waive mo, and they will ask you to purchase an amount (around 3000php if i remember right) on one month and waive na siya.

For shell citibank naman, i tried calling their hotline and i request for cancellation of the card Be sure you mean it kasi pagkinagat nila then kaboom your card is gone. I have rebate at caltex hsbc anyways. They ask me why cancel, i just said its the annual fee and i have other cards. Ayun, na waive siya.


leela

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Reply #5 on: Dec 02, 2008, 11:33 AM
^sabi nung customer service, hindi daw puwede magwaive ng annual fee for shell-citibank credit card. nakakainis! ang laki pa naman ng purchases ng asawa ko this year pero wala man lang waive.


tops5450

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Reply #6 on: Dec 02, 2008, 11:36 AM
@Good steward
I usually spend around a minimum of 6k for celphone load amonth po sir. I think it might work po siguro. Let me try it po and post here the outcome. Cheers


GoodSteward

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Reply #7 on: Dec 02, 2008, 11:41 AM
Really leela? Im still going to try it this year, if it doesnt work out, e di cancel na nila, its thier lost anyways, sa hsbc with caltex rebate na ako.  Even though 5%rebate ang shell-citibank, and 3% rebate ang hsbc caltex, based on my fuel consumption, the 2 percent more rebate ng citibank is just equivalent to annual fee na babayaran ko...So parang wala ring nangyari if they cant waive it.


LAV

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Reply #8 on: Dec 02, 2008, 08:07 PM
If I am not mistaken, all credit card companies waive annual fee if your average usage per year amounts to 500T, but they will still try to charge you, so you have to let them know that you know how things actually work.

God Bless
« Last Edit: Dec 02, 2008, 08:09 PM by LAV »


jhay18

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Reply #9 on: Dec 03, 2008, 08:32 AM
always successful naman ang pagpapawaive ko sa annual Fee ng Metrobank and Bpi dont know lang sa ibangh cc company. ill just request it over the phone and yun na waived na.


2mbaga

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Reply #10 on: Dec 03, 2008, 08:55 AM
Just had my Citibank and HSBC annual fee waived. I called their customer support and simply told them, "Hi, this month is my credit card anniversary. I don't want to pay the annual fee. Could you waive it for me?" They checked my account then they did. No questions asked. Didn't require me to spend anything and they didn't deduct it from my points. I'm not even that big of a spender. I just made sure that I always pay on time.


diamond

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Reply #11 on: Dec 03, 2008, 01:44 PM


batot

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Reply #12 on: Dec 03, 2008, 03:54 PM

http://www.pinoymoneytalk.com/forum/index.php?topic=16123.0


workoshore

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Reply #13 on: Dec 03, 2008, 05:19 PM
wow astig talaga kayo mga bro & sis, masubukan nga sa paguwi ko... :hihi:
cheers... :cool2:


upeng

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Reply #14 on: Dec 03, 2008, 10:52 PM
with citibank shell di na cila talaga nagwaive this year, pero yung citibank visa gold ko nawaive. what they did was they just transfred my credit limit sa shell sa aking citi gold. I have heard na basta co=branded cards ng citi di na sila nag waive.  Hapit ata sila sa income. pati nga pag babayad otc ng 3 times or more may charge na  P40.00. tsk.tsk.tsk


 


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