my new application, the CS told me first year (12 months) is waived with 3 swipe any amount.

I applied on Feb'15.

This post has been edited by ronron: Aug 18 2015, 03:50 PM

Did you ask is there any clause for cancellation?

not sure. but I am going to cancel anytime from now. just waiting for the cash back to credit into my statement.

Oh why are you canceling? Do let us know on the cancellation process.

previously try luck and apply thro ringgitplus to get the free gift.

trying to avoid the hassle of asking for annual fee waiver next year. so better cancel early.

I planning to use this as a interim card. Use about a year then change to different card.

no such clause. you can cancel any time.

It was told to me by the CS. When I applied Citi cc, my income is few times above the requirements. No any loan either. But they reject my application. Then they give me this reason. After I use other cc for one year and reapply , Citi approved both of cc application with the same salary. I think it applies to most people, and may be yours are exceptional case

got my citibank cc as fresh graduate n holding up to now (9 years)...nvr failed to waive AF until today! So...bye bye Citi just settle outstanding amount and make sure don't use your card after the AF posted date....then no need to settle the AF....

This post has been edited by kinwawa: Aug 19 2015, 09:52 AM

U no request for waiver for annual fee? Or citibank reject ur request for waiver on annual fee?

they say this yr no direct waiver...can only use points ..best offer is 50% discount on AF....i didn't argue much with them la....bank also having a hard time....just ask them what's the best they can offer lo....

You are so kind-hearted bro. Hehe. Spent much on the card annually?

Hate those card below signature level with no AF waiver. What I will do is cancel those card and only stick with those card with waiver. Most bank give waiverr especially spending RM 3k per month. So far only citibank and UOB try to be funny with me. Cancel without hesitation.

Citibank can waive AF one....oni c whether they wan to waive for u or nt....basicallly i never fail AF waiver for citibank

No minimum spending.

My wife Citibank CC also approved.

Waiting for the phone to arrive.

i got my phone dy...so gonna cancel those cards with annual fees and keep those without annual fees for life. reason: because citibank gives me a high credit limit. good to build credible credit ratings, i hope.

Is the high credit limit given to a credit card is good?

If u really need to spend so much, then it is good to have high credit limit.

Otherwise, it will have fault case with higher amount if lost th card.
Also, it will reflect in criss and ctos? No sure high credit limit is good to build credit rating?

First time heard that credit rating is up by having high credit limit credit card... hmm... isn't credit rating depends on bank?

How is the phone?

Gooding?

yeah, i agree it comes with high risk if lose it.

not sure about criss or ctos rating...but , in case of emergency, i guess more is better than less...but i dun think i will b using it to spend , will juz keep it since its free for life...