Credit card annual fees - cut losses early!

If you get charged annual fees and the bank doesn't respond to you before the due date, just pay it! Otherwise, you'll be charged late fees and they won't rescind the late fees even after payment.

Standard Chartered is the bank (it might not be the only one with such behaviour), but here you will never be able to talk to a human being to get your issues fixed, and every response will be just cookie-cutter corporate shrill. Their offers might be good sometimes but good luck to you if there's any complications.