Credit cards provides you with lots of flexibility and benefits. It saves the hassle of carry around cash just to make huge purchases and also provides benefits from certain merchants when you make purchases. However, there is just one thing that I find annoying about them, their annual subscription fees. YES, you heard me right, the annual subscription fees.
Annually, the banks or credit card companies will try to take these annual fees from you. They come either as charges to your credit card statement, or as deductions from your hard earned reward points. I know of friend who willingly pay for them every year, but in case you do not know, these fees can be waived by calling in to the banks and normally, the banks will waived it if you had been using the card to make purchases throughout the past year.
My only wish is for this wavier process to be automated when certain pre-conditions are met. These will save valuable time for both the consumers and the banks. Consumers will no longer need to waste time waiting on the hotline, and the bank can reallocate their resources to serve other customers who have better banking needs. I am sure this will be a welcomed move by a lot of customers.
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