Credit Card Annual Fees

Are you being charged credit card annual fees because you haven't spent enough on the card to qualify for a waiver?

If you're in Singapore, it's worth calling up the credit card issuer to ask for a waiver of the fees. In my experience, many credit card issuers would rather waive the annual fees than lose you as a customer.

If they refuse to waive the charge, consider cancelling the card and applying for a card from another bank. Many banks offer annual fee waivers for new applicants.