Well, they can go ahead and blacklist me. I have nothing to lose with them and I think they have nothing to lose without me as well. 

I don't like to call Citibank to waive annual fees. I repeat, I don't beg Citibank, in fact I cancelled their cards several times when they refused to waive the fees, yet they re-offer back to me after 6-12 mths. Then cancel again after 1-2 yrs... then offer back. 

Why do I need them to clear my name ??? For what reason ??? so I can beg and apply their card again ? Now I get fedup and just keep the card as spare. In fact, they send me a Shell Citibank CC and call me up to activate it... I told them no thanks and cut the card.

Things I don't like about Citibank CC:
1) Limited branches to pay in KL
2) Cannot pay online like Maybank2u (obviously I'm just a small chick-pea that doesn't warrant a savings/current a/c in Citibank)
3) Amex is offering 2x points forever. The rest 1x only, except promotion period or rebate.
4) International recognition ? BAH!... So far I did not encounter any problem using MBB outside M'sia.

I don't have problem using MBB Amex in Asia and Europe. I'm not here to champion MBB or Amex, but I think it is personal preference on which card suits a person lifestyle better.

  Yes, you are right, and outside M'sia/S'pore, the annual fees are higher/non-waivable.. The problem now is, I don't like to remind myself every year to call them up and waive it. 

That's the problem. I don't have a sexretary. I got other things to think/worry than looking at my statement and...
"oh boy... [self-censored-unprintable-words]... need to call them up again. Have to wait 2-20 minutes and punch the phone for respective menus before talking to a human, verify, put in request, bla bla bla... cannot waive, talk to supervisor/manager, bla bla..." nevermind, cancel it. No need waive. Thank you.
Without calling them up, is it possible to have auto-waiver ? Maybe not me...