How NOT to pay your credit cards annual fee.

I am using credit card for more than 4 years and every year I pay the annual fee for my credit card. My credit card is HSBC Visa and I pay 1200 pesos every year. Until lately a friend told me that I can have a reversal for my annual fee.

What is annual fee reversal and how can I avail it? First is you will call the customer service for HSBC. You will tell them you wanted to have a reversal for you annual fee. They will have certain conditions, like in my case I was allowed to have a reversal if I purchase 5 thousand pesos for two months. However if you think the condition is not okay then you can threaten them to close your credit card.