I've had the POSB Everyday card since ages ago. This may probably be my first ever credit card! While I was looking through my banking apps as a monthly routine, I saw the following charges on my POSB Everyday: Each time I was charged annual fee, I could waive it off successfully. As usual, I used their chat function to request the fee waiver. Not this time. I've no idea what's their criteria backend, but I've used the card recently; though I can't say I'm a frequent user. Oh well, I've raised the request to cancel my card. Goodbye POSB Everyday card....