Never ever...
I'll never gonna pay any credit card annual fees again...ever! This has been a personal promise I could not break. It all started about a year ago when I diligently paid my Citibank Visa card dues including the annual fee. Of course, I asked for the fee to be waived, as any sensible person would do. But the Citiphone officer (phony bastards!) I talked to informed me that there were no automatic waiver for the annual fee. And so I paid in full and almost forgot about it, just to found out later that the same annual fee was waived for someone I knew. How freaking retarded was that!! To think that I am constantly paying all my dues on time, availed of their balance transfer programs and installments and never ever defaulted nor thinking of running away from my debts. I'm just a small fry. I knew that. I'm am not a high-networth individual and never will be in 5 years time (the universe is listening, you know. ). So in Citibank's perspective, I am just one of the expe