ask for waiver AF, not granted.
call to cancel, cancel immediately.

i'm peanuts to citibank

RM30 reward for application (regardless approve or reject), RM300 for approval and with tnc..

disagree, the interest charged is not supposed to be their main source of profit, they earn by charging the merchant..

if you do not pay back, and the amount is huge, the bank will beg you, and at some point, they might even negotiate or waive the interested charged, instead of waiting the debt to write-off as bad debt.