<human>: Can you condense the text into three sentences or less?

Certainly here (UAE),

When I got my first salary paid I had 3 independent cold calls from the bank asking me if I want a credit card, followed by 2 further calls the next day, followed by a personal consultant who was chasing me and came to my office, with her boss, to talk me through options and push me to take out a card. (fee free for first year)

Strange then, that they would want to charge $200 a year for me to have a card, considering they spent so much time/money trying to force me to take one out.

Anyway, as the renewal approaches, a friend advised me to call up and cancel the card.

Since they are so, so desperate for me to have a card, they willt ry anything to make me keep it.

So I play the motions like i really want to cancel the card..

Result?

Fee waived for the year ($200ish) and an increased credit limit.

The alternative was to cancel the card, then have another salesperson chase me, set up meetings etc, then pay have the bank pay him/her comission once I choose to take out a card, plus the cost of generating a new card, and postage, etc...

Cancelling a card, then taking out a new one, would actually cost the bank money.
<bot>: Credit card annual fee's are a tax on the lazy/incompetent Banks really really want you to have a credit card so phone and cancel before you hit the annual fee, often they will just waive it.