YES, I did it again.
I did the same thing that I did last Year.
1. Called the Bank.
2. Asked them if my annual fee can be waived.
3. Waited while they are checking my account.
4. Smiled when I knew that it was approved.
5. Wrote the Request Reference #.
6. Checked online after 2 days.
We just really need to ask and we shall receive.
A reminder though, that we just need to use the benefits of credit cards but never over use it.