For decades i have used a credit card via SCB.
As with other foreigner cardholders SCB withhold an agreed amount from my account and the full balance due is deducted each month. Not a conventional credit card but useful.
Last year for the first time and only since using the app an annual fee was charged to the account.
I queried the charge and it was removed.
This year the fee reappeared and SCB have suggested redeemlng some points to mitigate the fee amount. I have refused as this would still be a charge. The matter is pending.
Considering a lack of financial risk to SCB and puanitive restrictions on the card i think the new additional charge requested of 1,284 baht is unreasonable.