Originally Posted by Happy

Have you NOT listened the Ts and Cs read to you by the retention rep over the phone, that you MUST pay the annual fee and not have a past due on your account even though eventually you would have a statement credit posted after you fulfill the requirement?

It is VERY CLEARLY told that you are on a recording line and you MUST say Yes or No after the conditions read to you to show you UNDERSTAND and ACCEPT the conditions.

I dont know who is the stupid party here.

You have no case to complain because you were on the recording line and you must Clearly Accept the Terms and Conditions of the Offer by Saying YES before the offer kicks in. And yet you ignore the requirement then complain about the bank?