If you’re on a premium product they probably won’t even ask you whether to waive it; if you’re on regular ones, all you have to do is say “It would be more convenient for me if you rushed that card.” and “Can you waive the fee?”
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Obviously I’m professionally biased on how awesome credit cards are these days but prior to that was a bit mind blown when BigBank said “Oh you’re in a small town in central Japan and have barely ever consumed credit? Then I guess we should get this to you via courier in 36hr.”
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(I politely disagree that issuers will put one through a ringer if you call to cancel a card. If you’re firm about desire then call center cost minimization kicks in and you’re done in maybe 5 minutes, most in queue.)
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