Waive your credit card annual fee

You don't have to pay for your credit card annual fee. Just call you credit card company and tell them you want to request for a waiver of your annual fee. The guy on the phone will want you to use your credit card points to waive off the fee but don't use the points because you can use the points to redeem for other free stuffs. Then the operator will ask you to use the card for the next few months so that you can get the waiver. You just said you will use it for the next few months and you get your annual fee waived. If you still cannot get any waiver, just cancel the card and reapply a new card that comes with free first year annual fee.