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Credit Cards Citibank Credit Cards V2, Discuss here

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victorywp
post Nov 5 2013, 12:20 PM

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QUOTE(hkboey @ Nov 5 2013, 07:55 AM)
Citibank has also revised their interest rate to 8.88% like MBB2 AMEX? Just notice this at my latest statement.

As I always paid in full, didn't really notice when did they revise this.
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seems like many banks followed mbb2 amex footstep because i saw standchart also revised their interest rate to 8.88%...
victorywp
post Nov 5 2013, 09:59 PM

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QUOTE(AaIto @ Nov 5 2013, 09:51 PM)
Called citibank cos dun wan to pay Gov Tax rm50. as usual they said they cannot waive it, BUT they can give "loyalty rebate", rm50 but will require me to pay 1st, then they will credit within 6-8 weeks.
I rejected kos I think they are not sincere in giving it.
Anyway personally I think Citibank lost its attractiveness!!!!
Becoming a DULL card!!!!
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yes, if that's what happened to you, i do feel that citibank is not sincere in giving it.
in my experience with standchart, they credited the rm50 straight away into my account (after i call) even though there is still 2-3 months to go before my next gst charge. meaning that i can even use the rm50 to pay off my purchase (if i want) before they start to charge the rm50 gst to my statement in the next 2-3 months.
victorywp
post Nov 6 2013, 12:17 PM

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QUOTE(OKLY @ Nov 6 2013, 11:53 AM)
Quick question, let's say I take a 0% installment for 6 months, by the 3rd month I decide that I want to one shot settle the remaining payment. Is this possible so that the bank will free up the locked credit limit of the installment amount?
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yes, possible. but you need to call and tell the cs that you want to do full settlement for the installment. the cs will then put the balance amount (3-6 installments) into your account/statement. and then you may pay it accordingly.

without telling the cs beforehand, your payment will be treated as an advanced payment showing balance at your credit side (not full settlement for your installment). but since your idea is just to free up your credit limit, you may just pay in advanced (to free up the credit limit) and let the installment remain (since it's 0% anyway).

This post has been edited by victorywp: Nov 6 2013, 12:21 PM
victorywp
post Nov 6 2013, 12:39 PM

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QUOTE(AaIto @ Nov 6 2013, 12:32 PM)
Last time, Citibank CC might rank 3rd or 4th out of 10, now might b between 8-10, if no cost, can consider keeping, but if hassle then cancel onli lah!!!
BTW, m I wrong if i say work in the Bank, from the way u responded.... brows.gif
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QUOTE(Human Nature @ Nov 6 2013, 12:34 PM)
Nope, not working in the bank..i wish i am laugh.gif
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because Human Nature is the thread starter... means he is the boss here... rolleyes.gif tongue.gif
victorywp
post Nov 6 2013, 01:05 PM

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QUOTE(Human Nature @ Nov 6 2013, 12:45 PM)
Nobody wanna create Citibank thread last time  doh.gif already terminated all my citibank cards...might take up the new PM if it includes free access to KLIA2  biggrin.gif
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i think you must be the most experienced citibank user last time... rclxms.gif
even if the new pm comes with the annual fee of rm1k and with no annual fee waiver? brows.gif tongue.gif
victorywp
post Nov 6 2013, 02:16 PM

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QUOTE(Human Nature @ Nov 6 2013, 01:56 PM)
the most newbie, need to ask a lot of question but no citibank thread.
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sounds like an inventor... a legend-to-be... notworthy.gif

yeah, always nothing to lose to go for the first year free annual fee first. thumbup.gif

This post has been edited by victorywp: Nov 6 2013, 02:24 PM
victorywp
post Nov 7 2013, 11:44 PM

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off topic, guys! i saw citbank questions on uob thread and uob questions on citbank thread. tongue.gif laugh.gif
victorywp
post Nov 8 2013, 06:06 AM

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QUOTE(AmmoShaf @ Nov 8 2013, 04:38 AM)
Guys sorry, newbie in using credit card, just got my first citibank cc bill, and if the bill stated "statement date is 05Nov2013" and "payment due date is 25Nov2013", before which date should i pay the bill to avoid the interest charges?
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before 25/11... nod.gif
victorywp
post Jan 7 2014, 05:30 PM

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QUOTE(donatelo @ Jan 7 2014, 05:10 PM)
hello, i plan to apply cc from citi, currently my salary 2000 + fix allowance 800, am i eligible to apply?
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yes sure, why not? but which citibank cc you are interested in?
victorywp
post Jan 8 2014, 09:48 PM

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QUOTE(donatelo @ Jan 8 2014, 02:18 PM)
citibank just call me, said i m not eligible to apply because i never make any loan or have any CC so sad T.T
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yes, because they don't have any of your payment records to refer to... sad.gif
victorywp
post Feb 4 2014, 12:32 AM

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QUOTE(kehadapan @ Feb 4 2014, 12:07 AM)
tomorrow i have to pick CC at jalan ampang branch there, after i blocked my own CC (not yet active) by calling their CS. thought that my CC was sent to wrong address (and PosLaju so kind of giving the receipient IC no), after the double check, it was received by my bro, and he didnt inform me at all.

damn it.

then i called CS to unblock my card.
unfortunately they cant unblock the card, so they advise me to wait for them to send in my card. i told CS that i will collecting tomorrow at jalan ampang there. no need any paper (epf, payslip etc) as my approval had been approved.
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some banks don't allow anybody else except yourself (including close family members like father/mother/siblings/husband/wife) to collect the cc on behalf.
victorywp
post Feb 4 2014, 10:13 AM

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QUOTE(OKLY @ Feb 4 2014, 10:04 AM)
I think for PosLaju, anyone in the house (recipient address) will be allowed to sign and receive it.
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QUOTE(David83 @ Feb 4 2014, 10:09 AM)
For Pos Laju and Registered letter, anybody at the recipient address can sign for it.
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not really, if the sender (bank) stated that the content is credit card, only the recipient can collect it.
i remember clearly there's once my wife asked me to collect her item from poslaju center (because we were away from home when poslaju came). she passed me her original nric (not photocopy) for me to show the staff in order to collect the item. but i was told by the staff that the content was cc and it was the instruction from the bank that only the recipient can collect it for security reason. sweat.gif

This post has been edited by victorywp: Feb 4 2014, 10:13 AM
victorywp
post Feb 4 2014, 10:28 AM

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QUOTE(David83 @ Feb 4 2014, 10:20 AM)
You can fill the authorization section in the returned card from the mail man if your package is failed to deliver right?
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not sure about the authorisation section because i did not really read it. blush.gif

but i used to collect courier items for my wife most of the time and never face any problem collecting it when i show my nric is the same address with the item address.

only for that one time when the staff told me that the content was cc and nobody is allowed to collect on behalf (of course maybe i could if there's an authorisation section which i have missed out).
victorywp
post Feb 10 2014, 06:48 PM

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QUOTE(jep @ Feb 10 2014, 04:10 PM)
I have a CC debt around 10K at other bank, would it be adviced to take the dial for cash RM5K for 2 years 8.13 p.a to pay the other CC?
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i would suggest you to sign up another cc which offer 0% or low % of balance transfer service for 6 months and above.
victorywp
post Feb 26 2014, 05:12 PM

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QUOTE(shaun9189 @ Feb 26 2014, 04:43 PM)
hi thanks for the explanation, i dont quite understand number II. i have to pay half of my outstanding every month baru can get 8.88%??
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have to pay at least 50% of outstanding.

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