<prompt> Human: A year ago I signed up for a new credit card Chase Sapphire in an effort to build up some additional credit and take advantage of a promotion. This credit card has a hefty annual fee of 95, but it was waived for the first year. Id never had a credit card with an annual fee before but I was planning an international trip, and with the card bonuses and benefits, it would save me a lot of money on my trip. Id read plenty of advice from others that when it came time to pay the annual fee, I could just call the credit card company and easily convince them to waive it.Fast forward a year, and I love my card. I have no complaints. I managed to use points on my card to get a huge discount on my trip abroad, the security on the card has been great, Ive paid it off every month so no finance charges. Ive even set aside a few dollars every month in my budget in anticipation of this annual fee, still expecting I could try to get it waived again.But when it came time to call and make a case for waiving the fee, I could not find a legitimate reason to justify it. I have no complaints about the card. I dont want to cancel it, so it would feel dishonest to threaten to do so just to get the fee waived. Its not like I hadnt known about the fee - Id researched the card and hell, Id even been setting aside money in anticipation of the fee, so obviously I can afford it. Im a happy customer, and have no indignation to leverage.And so although I made myself call the credit card and ask if it could be waived, when the friendly customer service lady said Im sorry, this fee is not eligible for waiving. I simply said okay, thanks for checking, have a nice day, and hung up.People of PF, am I doomed to forever be incapable of negotiating on my own behalf?  <response>: They dont waive those fees so this has nothing to do with whether or not youll be able to negotiate for yourself in the future. 