How to waive credit card annual fees?

Request waiver AFTER charges, if the bank denies (some bank do denies annual fee waiver) you can just close the card (annual fee will not be charged)

The bank I used to work at would automatically (yes, it was done automatically) waive the credit card fee upon request, regardless of when it was requested. It costs them more to dispute the request and risk losing the customer.

Normally is request wavier after charged. Cos they know you will want to wavie. They are pinning on anyone who forgot or ignore the annual fee so they can earn.

Hi Anon, for Citibank the first year they refunded me the annual fee after it had been charged. (I requested like a week after the fee was charged). It's an automated system and it was credited a few days after!