Annual Fee

Man, I just logged on to my online credit card statement and found out that I have been charged an annual fee of RM90. I have to call them every year to get it waived. I think I will change to one which gives me free membership fee for life kind of thing. The thing I like about this bank is that their reward points do not expire unlike some and since I hardly use my credit card these days, limitless reward points are good for me to have. Oh well, we shall see how it goes when I call the bank to get them waived for this year. So much for the start of the new year..