Better apply cards without AF

Yes

I spend RM 50k last year in total for platinum card but AF not waivable also

Yes. Citibank need one year holding other banks cc. I was being rejected also

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

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.

Different people has different view. Some will call to increase CL, and some will call to reduce credit limit. It is individual dependence. I always call in to reduce CL. Because they really give me too high limit and make me fear. Surprisingly reduce CL also subject to approval!

My decision to cut off my Citi card is a correct decision! Some more to collect points also so much of exception, basically they won't give us points for most of the activities!

Luckily I decided to cancel off my citibank cc after redeem all the points 3 months ago.

Yes. The same here. I email request for AF waiver. They tried to be funny with me. So immediately I say bye bye to them. Citibank also act very fast. They won't hesitate to cancel your card. ( my spending on the card over past one year is RM 50k plus) .So win win situation. Less hassle.
Btw, I also fed out with the CS , need to press so many button to talk to human

Through online banking account

Email to them will only need one minute. It is irritating to press here and there unless you always call and very familiar with the system, for people like me seldom call CS, but I was asked to press here and there then waited so long because all CS are busy, then hang up and the process begin again , it is so annoying!

After a year, the scenario is they will ask you to use your points to redeem the AF, then you waste your entire year of collecting points.

You will receive the luggage soon. This is gift for new customer

Guys, please do not waste your time on AF waiver related issues. I have been posted many times in this thread. Citibank is one of the bank which will
Not waive your AF. They will say wait the AF being charge first and request again (it is a trap as once you spend on the card after AF being charge, you are oblige to pay!). Or some cases they will say put in balance transfer then we can waive for you etc. basically there are lots of terms in order for you to waive the AF. My conclusion is the AF is very very very difficult to waive. Please cancel your card early if you are those who not keen to pay AF.
My spending on the platinum card ( to redeems points) up to around 50k per year but they ask me to waive with points last year. There are so many good cards outside, please don't waste your precious time! My sincere advise.

Yes, you are right

Ready credit is "ah long " card. Interest very high

Yes. Citibank cc has lots of terms. What you mentioned is correct, a lots of transaction doesn't entitled for points (pls read the term carefully). I was being trapped in the past also. When I spend on UOB card, I get the uniringgit points. Means UOB are easier to collect points. Anyways, I am not using both of this cards now

Do you have other CC while you apply citibank cc?

Is it regardless how much you spend in a year, you still need to pay for AF for premier miles?