That is not true. I just got the annual fee of my two Citibank credit cards waived very recently.


But can be automatically waived if your spending in the last year is more than a certain amount.

Which Cash Back Platinum Card are you talking about ? The blue one with 5% cash back for petrol ? I have this credit card and mine is going expire soon and they already sent the new credit card to me (same card) a month ago with a new expiry date.

This is the lower-end Platinum credit card. So it's just RM40k/pa.

http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards

You may want to read Gen-X blog.

You need to call.

Actually that's incorrect.


RM1,200 at once.

For example:
credit card limit : RM3,000
available credit card limit : RM3,000
bought a mobile phone (RM1,200) with 0% 12-month installment : so you pay the bank RM100/month for 12 months

The moment you swipe your card at SenQ for 12-month installment, RM1,200 will be deducted from your available credit limit. Thus your remaining usable credit limit is only RM1,800. Some banks will slowly increase your credit limit again when after you've paid every month, while some banks will only release the whole credit limit (RM1,200) when you have fully paid the whole amount.

For 0% installment, it will eat into your normal available credit limit, not the separate installment limit. Currently I have a 0% EPP on my Citibank VISA and it is counted under my available credit limit.

Is it ? Mine is for Dell computer. Anyway, I'm not in Malaysia now. When I'm home i'll have a look at my latest statement again.

Actually Citibank separated my credit card limit into two (credit limit + installment limit) more than a year ago. I noticed a huge jump in my credit limit in my Citibank credit card statement early last year, if I'm not mistaken.

However, for this recent Dell PC that I purchased through phone (had to place the order through phone because I wanted them to give me the free backup OS CD, too lazy to make a backup CD myself as it is very time consuming ), it eats into my normal credit card limit.


No. It is not. Normally we call to ask them to waive the annual fee. I have been using Citibank credit cards for more than 3 years now and I never paid the annual fee for my Citibank credit cards (I have two).

The Citibank Platinum credit card (normal one) now sports a new look and design and it comes in matte finish. It looks just like the Citi Business Signature VISA. I miss the big CITI wording as the background of the card

Yeah, it is true that a matte finish card doesn't wear out as quickly as those of glossy finish. This new card comes with 5 years validity. The previous one is valid for only 3 years.

No leh bro. It's actually silver matte and it looks so much like a silver card than ever When i opened up the envelope, i actually thought it's a new credit card product as it looks so different compared to my current VISA Platinum. Besides, the Platinum wording on the card is printed in white and it is not very clear. One can easily mistakes it as a silver card


I think i did see the letter. But they have already assigned me a separate installment limit way before. Anyway, i just came back to Malaysia and i've been lazy the past couple of months and stopped filling my credit cards statements I will look for that letter later on and also to check if my recent DELL desktop 0% EPP purchase eats into my normal credit card limit or the installment limit

This new one is worse. Wait till you get yours

That's the old one. But the actual VISA logo printed is different.

I think i did get the letter but i have no idea where did i put it already. I remember glancing it through but it wasn't a promotional letter that gives me free money, so i just tossed it aside. And now i couldn't find this letter but most likely it is in one of the boxes inside my messy room

This (X) + (Y) thingy first appeared on my Citi credit card statement more than a year ago. Back then it was just RM40,000. I had a look at my credit card statement just now and i was surprised to learn that it has been increased to RM67,400


I couldn't get a clue whether my DELL PC installment eats into my normal credit card limit or installment limit. But i managed to find this out in my Citi Online and it indeed eats into my normal credit card limit, not the installment limit. My card installment loan limit is RM67,400 as of last month, but available installment limit still stands at RM67,400 (see below).

Yeah. I think Citi realy 'sot' liao

Yeah. I don't really need such a high limit for my Citibank credit cards. But if it were Maybank offering me such high actual credit limit increase, meaning not coming up with a separate installment credit limit but an actual credit limit increase, i would be overjoyed to be honest as almost all my spending goes to my MBB2 AMEX and i did burst my Maybankard credit limit a few times already to the point that i had to transfer a bit money from my M2U Savings to the card just so i can continue to use my MBB2 AMEX. I just did not want to give up the opportunity to earn 5x TP, not even for one day or 1 swipe at places that accept AMEX!


Haha. Sure. I look forward to reading it

This post has been edited by MilesAndMore: Oct 21 2013, 12:24 AM

High-five!!!


Hmm... wasn't aware of this. Most likely i missed zenquix's post on this. Will give it a try next time

This post has been edited by MilesAndMore: Oct 21 2013, 12:53 AM