In fact, i think Citibank is quite misleading in their t & c. I am tried to apply for PM card, and after wait for 3 weeks, today they only give me a call, informed me that my basic is not touch 5k, though my gross and nett is more than the requirement. Instead, they offered me the AA Plat. I was kinda disappointed for their slow service as an American bank, as well as unable to issue me a PM card due to my basic not touches 5k. Most of the banks nowadays also looking at gross, instead of basic. If not because of the 50% discount in 1st purchase, I think I will not proceed to take that AA card, as I dun see much privilege in AA Plat......

Actually this is not the 1st credit card for me. In fact, for the past, HSBC & SCB are pretty generous to me assigning the credit limit to me, though I want to have something different on credit cards, so I opted for Citibank PM, which is differs against other ordinary cards. However, it is cool for me if they offered me Air Asia Plat, which I think it is not so useful to me. I will not upset for it, take it and swipe for 50% rebate for 1st purchase, and half year later, i will cut the card with Citibank, since this card is not what I aimed for......There are so many banks in Malaysia, and there is no need for us to upset just for a bank......Hopefully there is no offend to any one here.....just a kind of thought from a small potato like me....Lols.....