Got the credit card statement online and saw I am being charged the HK$1500 annual fee. Call up the banking hotline. Input my numbers; then get a message saying something like "credit card annual fee waiver application can now be done though phone banking. Enter 5 followed by 1". I enter the number and wait a very short time. Then get the message, "Your credit card annual fee waiver application has been approved".
I'm not complaining, besides thinking why is the annual fee charged if it is so easy to waive (if they refuse to waive I cancel, but that has not happened with any of my credit cards for years). Maybe they keep it for the customers who never ask for the fee waiver- guess there must be a fair few of them?