If you owe them money but refuse to pay up they deduct your saving/FD money straight, I dont see wrong about that.

Haven't seen them do that before but maybe because I never tried defaulting before

Anyway unless you pledged FD to get a card they don't normally do this right?

I see citibank is catching up in this poll. Why people keep citibank card is beyond my comprehension.

My experience with citibank is this :

Went oversea, due to strong US dollar at that time, I blew my limit (RM4000) and as soon as i landed in Malaysia, seriously, the first person to greet me while the plane was taxi-ing, was citibank calling me demanding me to pay the minimum payment and excess credit I used up. I was only oversea for 4 days!

Even my mum don't call me that soon. The best part is they called me the second time while I was queueing at the immagration! Even after I told them I just landed at KLIA barely an hour! Persistent, legalized loan shark!

Nuff said. Immediately cancalled the damn card and got another card with double the limit, till today, still holding this card. Limit increased multiple times too of course.

This post has been edited by barra: Dec 18 2009, 04:13 AM

For me, I'll retain my Maybank credit cards - least VISA and AMEX.
However, retention of credit cards depends solely on individual's preferences. For instance, some cards will give you high rebates on Starbucks/Coffee Bean or petrol rebates. So it depends

keeping Maybank Petrol card and amex gold. the rest :

POTONG !!

belum POTONG lagi??

Cancel all my credit card no eyes see..

Government confirm tax your credit card on your card's anniversary date for existing users and charge upfront for new applicants.

http://www.thestar.com.my/news/story.asp?f...3737&sec=nation

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Added on December 21, 2009, 1:03 pmWhy cancelled all? Keep one mah at least for emergency use.

This post has been edited by techmania: Dec 21 2009, 01:03 PM

PBB DEFINATELY...

terminated all except DA master - anniversary date in Sept...if no more petrol 2% rebate, will cancel it too next year before they charge me RM50

Ah, I see you prefer Rebate card

Anyway, true to prediction, the International bank is catching up (read: HSBC)

PBB cards only got cash mega bonus and now even less already

What attract me in the ad is the 0% for 12 mths and no rm50 service charge but after reading the TnC:

Should the CardMember’s monthly spending on his/her MBF card be less than RM300 in any month during the 12 month period, a service charge of RM20 will be levied to his/her MBF card account for that particular month.

i will keep my citi clear card...

They also did mention about balance transfer right? 300/month is nothing compared to that

i'll keep citibank, branded mar...

just cut my clear card today through phone, they say it will take 3 working days to deactivate it

Less problems when you're at overseas?

I believe it's more like he thinks the Citibank brand is prestigious.

I'll choose Maybank VISA coz my salary goes in Maybank. Easy to pay and login m2u to see account.

what if it is branded? That's just marketing talking to you.

I had the Clear card too. Went to States tried to rent a car but didn't go through, had to call the CS and they told me I shouldve informed Citibank in Malaysia first before using it in the states.

You need to understand that it's the "payment facility/gateway" that is recognized worldwide, in this case, Visa/Mastercard. Not the bank! Banks are just piggy-backing on the payment mechanics.

BTW Citibank just shot from oblivion to number 2 in our poll results. And I was just wondering where were all the citibank card members' vote.