Guys, i saw the details below from Citibank Online, what does it mean by RM 93 only? Is it the minimum amount I need to pay?
I should pay in full as in RM 1842.21 right?

And also, I am using Cashback card, so the reward points is referring to my total accumulated cashback amount, am i correct?

Total Available Reward Points: 23.16

Next Payment Amount: RM 93.00
Last Statement Balance: RM 1,842.21
Payment Due Date: 05/03/2014

This post has been edited by cyberheross: Feb 14 2014, 03:20 AM

YES for both questions.

PM Amex 30K points were credited to Enrich account , actually 1 day after the transfer.
I'm sure I logged in since and didn't see them there last time !

remember that insurance is protect bank interest because of bad debt come from you. In other word, you buy insurance for bank.

did you guys also know that if you have a rewards citibank card you can still do encashment with the ratio of 200 points to RM 1 by calling citiphone?

of course that's only 0.5% and it is low compared to cashback cards but there is no limit!
this is very useful if you have a rewards card and have a lot of points, but later on you cannot find any nice products to redeem on the lousy rewards catalog.

proof:



sharing is caring! aye?

no offence but to me this Credit Shield Premier is stupid
of course protection is there but the insurance is over priced
so many people without life insurance, medical etc(which i think is more important) still take this credit shield program

especially young guys these days can be easily coerced by young sweet looking female agents with a lot of make up who cannot even explain their product well enough to sign up for this credit shield so they can maximize their commissions.

in the end they say citibank cards are lousy. they may be sometimes, but for this case above, the card holder is the lousy one.

In short, if you always have debts with the bank then this is a plan that will cover all your existing debts should any unfortunate event happens to you. Otherwise, don't really see the benefits of it as the premium is also depending on the outstanding balance of your statement. I've cancelled mine after just 1 month.

guys just to confirm the GST and AF both appear on the same date for citibank ?

Mine is since it will be billed upon card anniversary.

If I have a card with credit limit at 5k, can I purchase an item with installment every month 238+ at 7k?

nope, the installment comes from your main credit card spending limit, especially if it is 0% installment.

for example, if your credit limit is 90K, when you buy a sofa for 6K and convert it into 0% easy payments for 24 months, this 6K will be locked in for 2 years (deducting the installments you have already paid)

if you check from your statements or from citibank online, there is another limit which is roughly 3/4 of your credit card limit - this is for dial for cash/personal loan etc. you can try convincing customer service to convert your purchase to a "interest bearing" installment to use this amount - depends on your luck.

also explaining further for the benefits for others - the main plus point about 0% easy payment is to have better leverage/free margin for cash flow. if your intention is to use it to spend more than your credit limit, you have the concept wrong.

Berkshire Breakaway information is correct. I just confirm that "INSTALLMENT LIMIT (HAD ANSURAN)" is Dial for Cash/Personal Local equivalent. It's not for you 0% installament purchases.

Citibank Debit & ATM Card: http://www.citibank.com.my/english/deposit...ode=MYCCLNCBATM

READY CREDIT: https://www.citibank.com.my/english/forms/r...Code=MYRCWAB1AP

thanks for confirming.
i wrote the detailed explanation not only to respond to vickyvoon
but for the benefit for all LYN forumers

hi Citis, I would like to know about Citibank Credit Limits to owner's monthly salary ratio, mind to share the information in the following fashion ?

a. CL <= 5k, CL to monthly pay ratio ?
b a < CL <=25k , CL to monthly pay ratio ?
c. b < CL <= 50k , CL to monthly pay ratio ?
d. c < CL <= 100k, CL to monthly pay ratio ?

No... it is better to pay using two/multiple card, in this case if you have cash back card, you can max out the cash back on different cards.

For frequent visitors of IKEA:

RM0.00 IKEA SALE Preview for Citibank cardmembers only! On 20/2/2014 from 7.30am to 9.30am. Invite 2 friends along. T&C apply. Visit http://spr.ly/IKEA

IKEA FAMILY members gets Sales Preview on 19 Feb 2014

need to work.