又收到了一年一度365卡年费账单，大概200+吧 按照惯例先把账单付了然后打电话申请waive年费. 往年都是申请马上通过，今年却立即被拒。

经过20多分钟等待，好不容易跟人工客服说上话，客服说是一年卡上要消费1w才给免年费，没任何其他通融的方法.


用卡不多的同学考虑取消OCBC365卡， 避免被OCBC薅羊毛.
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该帖荣获当日十大第3，奖励楼主15分以及22华新币，时间：2022-03-11 22:00:11。

把卡砍了不用了，它还会收你吗

所有ocbc credit card都要消掉。
你现在要做的是让他们取消所有信用卡，退年费。

甚至安全起见，银行卡也一并销掉。

lol…….

我还建议说给360账户里打点钱，保持一个金额，客服说365信用卡和360账户没关系。

当初我开360账户的时候可是搭配着给我开的365卡，而且卡也完全没提有最低消费额度的事情。

只是暗搓搓的在信用卡账单上放个table, 记录了一下累计消费金额和免卡费所需消费金额，这种消费者会感觉没有被充分通知到，反正感觉很不好。

Usually, yes—many card issuers will refund an annual fee if you close the account and request a refund quickly enough. You usually have about 30 days after an annual fee is incurred—sometimes more, sometimes less. It varies highly by issuer and is not always guaranteed. Only your card issuer and agreement with it will be able to tell you for sure.

Credit cardholders should periodically go through their portfolio of credit cards and decide which ones to keep and, perhaps more importantly, which ones to cancel. The card with the handsome welcome bonus might not be so appealing when the annual fee comes due. Because card issuers often change benefits, cards may become less useful or no longer relevant to your spending patterns in terms of rewards offered.

You usually have about 30 days after an annual fee is incurred—sometimes more, sometimes less.

或者他们这个时间设置的很短

一般的操作流程是:收到年费账单尽快联系银行减免年费.如果银行不愿意的话马上支付其他消费,然后销卡.年费就不存在了.

365卡在OCBC上的介绍的页面
Fees
Principal card

S$192.60 a year (waived for the first 2 years)

Supplementary card

S$96.30 a year per card (waived for the first 2 years)

Minimum spend requirement for automatic waiver of annual fee

S$10,000 in one year, starting from the month after your OCBC 365 Credit Card was issued

打电话去求免被拒，对方倒是给我两个选择，交费继续用，或者把卡取消，就可以免了

当然就是取消啦

又不是没有别的choice

把账单里面除了年费的部分全部还完，然后打电话取消卡，不用付年费的，都是这样操作的。

不是先打电话waive在还款吗？你都给钱了银行哪这么容易吐出来。

马上打电话过去把卡cacel了，年费退给我了， 开心。

还在年费的1个月内，年费也退还给我了。

万群太强大了，叩谢。

xmlzj
疫情以来很多东西都是海淘支付宝，买菜都家里人去湿巴沙买的，经常用现金。

xmlzj

我直接让他当场给我取消，然后我弄了个ocbc debet card