I have an HSBC Gold MasterCard with an annual fee attached. I've had the card for 11 months now and each month I have either paid the balance out completely or down to 10%. They have given me 2 credit limit increases since I've had the card. I have called twice trying to get them to work with me with the annual fee. (I asked for the manager today & still no luck - she asked me to apply for another card). She stated that they cannot lower, waive (for 1 year) or remove the annual fee because of the type of card.
I just wanted to know if anyone has had any luck with them in similar situations.
I can't cancel the card now (I am about to close on property). She stated that I can cancel the card up to 30 days after the annual fee has been billed and receive a credit for the fee. My plan is to obtain a new card in its place and cancel this card because they won't budge.
Thanks in advance for reading & for any suggestions or comments.