I threaten to cancel every 6 months (albeit covertly). "How much would it cost to reduce my card balance to zero? Im thinking of cancelling - its not worth my while to keep the card." This usually gets me through to the retention team who usually have something to offer you. Its worth a try - didnt work with ANZ though - they cancelled me and I had to beg to get my platinum Visa back.troysteel said:ok, called them up. yeah, they only give discounts if you have a charge card, which is probably what you had. They will not budge on the fee, what they will do is give you a retention bonus of either $100 DJ voucher, $100 harvey norman voucher, or a $250 food voucher. wonder if i can threaten to cancel every year?