just called citibank to ask approval to waive my annual fees

wah lao... citibank now very 7 strict on waiver annual fees.

ask me to use my points to waive the annual fees. the points to exchange 1 item already very hard.

now ask me to use the points to waive the annual fees.. i will try call back tomolo since she say the waiver dept not open today.

if really cant waive.. then ok la, i give up on citibank. and go take the those free annual fees card better

I speak  to them like u did. 3 operator 3 also dun wan to waive. At the end i agreed  use my 18k point to waive annual  fees. Now still got 30k point. Goingt to exchange jusco  voucher n cancel this card

But you called after your annual fee got charged right?

Mine is due soon. Lol

The CS will give u 2 choices to use points to waive or do balance transfer. Say you want to do neither .If the CS still does not want to waive the annual fees. Ask them to pass the line to the retention department. Talk to the retention officer.

Did you spend alot with the card to get the waiver?

yes, i know cc limit and ready credit limit are different
i'm just don't understand if they think my income is not enough to get a cc limit more than RM4k
then based on what they increased my ready credit limit to RM16k? it's 4x compare to my cc limit...    i did not apply to increase my ready credit limit

citibank has been bugging me to increase credit limit.

So I would like to know what is the disadvantage of increasing credit limit?

I know if my spending stays the same while my credit limit is high, my utilization percent is low, and my CTOS CCRIS score will be better.

Cant think of any bad side of increasing credit limit.

They emailed me, sometimes called me.

I always pay in full for all statement, but I do have installment around 1k going on, while my credit limit now is 6k only.

So I am thinking to get a credit limit increase so my utilization score can improve.

I generated a report last month and my score was only 78