The Annual Fee is Negotiable
This one comes as a pleasant surprise to most people. On top of that, it’s fairly easy to do. All you have to do is contact your credit card company and explain to them how other credit companies have offered you a card with the same credit limit and no annual fee. The key is to be nice and kind on the phone with whoever you are speaking to. When in doubt, just be patient, polite and don’t give up until you get a direct answer from the manager in charge of the card. They like to keep loyal customers and waiving the annual fee to keep one as a customer is a no-brainer. With all of that said, it doesn’t work 100% of the time. However, it’s worth a try!