I used to be an advocate for BOC, given it's attractive interest for it's Smartsaver account and the good rebates for the BOC Family card.

Until one day, BOC decided to review the Family card terms....and well, it suck. I was disappointed with the changes and has since then, stopped using the card. And with that, I've now jumped the boat to DBS Multiplier for my salary crediting. Meaning to say, BOC is no longer my main account.

I still keep the Family card though, just in case BOC changes their mind again and review the terms to be more attractive.

But, this morning, I was reviewing my accounts when I realised I was charged an Annual Fee and GST on the card. Gosh. That's an exorbitant $305!

So I called the card centre and asked to waive it off. I knew it wasn't going to be accepted after reading some comments on...