Hi all, Yesterday citibank offered me 5.9%pa reducing rate for up to 4 years. Is it worth to take this COC loan??? Is it cheaper compare with other banks offer? thanks.

example...If this month I receive the statement and found citi charge me annual fee and GST. Straight I call up the CS and request for waive both fee.
If they say can't waive for me, and on the spot i'm request to cancel my card. Do I still have to pay the both fee since already in my latest statement???

I just call up their CS, they offer me a cash loan with interest 2.72%pa (flat) for 1 year tenure, 2.67%pa for 2 year tenure.
Guys, is it worth to get it?

direct call the contact number at the back of your card.
it is based on case to case basic....

Just received this month statement and citi charge me annual fee + GST.
After called their management and the staff informed me citi has decided not to waive the annual fee for me....
So, I also inform the staff just terminate my card immediately on the spot.
So, do I still need to pay the annual fee and GST?

is your annual fee coming soon? if already past, then never mind, if your annual fee on next month or next 2 month. Becareful....once you take this BT....they will not going to waive annual fee for you....

Anyway, this is my own perception, recently citi offer lots of attractive such as 0.33% BT, 2.67%pa cash on call and etc, but after that, they won't free our annual fee.
They increase my limit to 50K, offer me 2.67%pa for 50K loan, luckily I dint take it, but, really, this month is the annual fee and they don't want waive for me, and I just terminate it......pay RM0