Most people who do it call after they're already using the card. The waivers are generally one-off but some people get a one-off waiver like clockwork every ye

Most people who do it call after they're already using the card. The waivers are generally one-off but some people get a one-off waiver like clockwork every year they ask for it. I am unaware of any CC issuer in the US of any size or segment which, as a matter of policy, refuses all requests of this matter. It comes down to policies and often a judgment call by a line cSR.