My quarter Mar to May. They charge me annual fee on 31 Mar. By the time I noticed it under unbilled transactions, have spend for Mar and almost hit min spend for Apr.
Use automated sys to request for waiver. No SMS reply after 2 weeks. I called and was told request for waiver rejected. Request to appeal and they say can only get back in 5 working days ie 28 Apr. Receive SMS that appeal was rejected on 28 Apr.
So I stop spending. In May before due date paid up everything except annual fee then call up to cancel the card on 18 May. On 23 May, the retention unit called to say the annual fee had been waived on 18 May and if I can continue to use the card.

Say they noticed I have been using the card since 2017 blah blah blah.
Told the staff that their delay of waiving has already caused me to lose my quarterly rebate because I had not hit min spend for Apr and even if I did, I only have a few days to hit min spend for May .
Feedback to her that even though it was waived eventually, it leaves bad taste for customers. Why waive only those who wants to cancel the card ? If they are a bit more sincere, they should consider the factors during the appeal.