How to get credit card annual fee waived \ refunded pro rata after churning

If you churn credit cards  ( which is the process of making the minimum spend in a short period of time to get the Bonus points or miles ) you will usually be closing your credit card along time before it renews to its second year ( so you can start your next churn! )

If the credit card has a Annual fee , then you actually don’t use it for the full year , your provider might refund pro rata the difference. Some providers just refund the full amount!

Successes 

• Bank : NAB
• Card : Signature Qantas
• Fee : Refunded Pro Rata 195$

• Bank : ANZ
• Card : Frequent Flyer Black
• Fee : nnual Feed Waved Entirely

• Bank : Citibank
• Card : Premier Qantas
• Fee : Fee Refunded Pro Rata 175$

• Bank : Westpac
• Card : Rewards Black
• Fee : Fee Refunded Pro Rata 200$

• Bank : Amex
• Card : Gold
• Fee : Downgraded to a no fee card  to get a pro-rata refund – I cancelled the no fee card a month later

How to do it