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Credit Cards Citibank Credit Cards V3, Everything about Citi Credit Cards

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fly126
post Jun 22 2014, 09:08 PM

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Edited 2x Post... sweat.gif

This post has been edited by fly126: Jun 22 2014, 09:09 PM
fly126
post Jun 22 2014, 09:41 PM

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QUOTE(wan7075 @ Jun 22 2014, 03:41 PM)
Over and above the clauses above,all Successful Applicants who makes a retail purchase of RM1500 and above within 60 days from the approval date (“Qualifying Period”) will receive a RM250 Cash Back.
a
For purposes of this campaign, “Retail Purchase” means the purchase of any goods or services (local and international) with the use of the Card and may, at Citibank absolute discretion, include any card transaction as may be determined byCitibank except for the following transactions:
a)Citibank’s FlexiPayment Plan, Easy Payment Plan, Credit Shield Plus, Card Protection Plan, Dial For Cash, Balance Transfer, Balance Transfer via Installment Plan and Cash Advance;
b)Any refund;
c)Any disputed, unauthorized or fraudulent retail transaction; and/or;
d)Payment of annual card membership fees, interest payments, late payment fees, charges for cash withdrawals,Government Service Tax and any other form of service/miscellaneous fees
do payment like "cukai tafsiran MPPP, water bill, indah water, car insurance", are considered as retail purchase? thanks! notworthy.gif
*
Retail Spending (Transactions):
i) Local & Overseas Purchases
ii) Auto Debit / Recurring
iii) E-commerce / Internet / Online
iv) Mail Order / Telephone Order

NON-Retail Spending (Transactions):
i) Flexi Payment Plan / Easy Payment Plan
ii) Balance Transfer (BT)
iii) Cash Advances / Dial For Cash (DFC)
iv) Credit Shield Plus / Card Protection Plan
v) Outstanding Balance / Finance Charge / Late Payment Charge
vi) Reversal on Transaction, Disputed / Fraudulent Transaction
vii) Card Replacement Fee / Annual Fee / GST, Other Fees & Charges

This post has been edited by fly126: Jun 22 2014, 09:44 PM
fly126
post Jun 22 2014, 10:37 PM

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QUOTE(Berkshire Breakaway @ Jun 22 2014, 10:35 PM)
using celcom issit?
*
Yup... sweat.gif
fly126
post Jun 23 2014, 05:21 PM

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QUOTE(DarkNite @ Jun 23 2014, 04:06 PM)
Hi all, How does one gets such offers? hmm.gif
*
On Selected Citi's Customer Only... rolleyes.gif
fly126
post Jun 26 2014, 12:05 AM

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QUOTE(dradormien @ Jun 25 2014, 11:35 PM)
Hi. I just submit my application at the midvalley this afternoon. Sole proprietor with income tax rm6k and  annual income 80k. What is the chances for the cardto be approved? Currently only have one car loan rm800 monthly.  How long usually it will takes to know the result? Thanks
*
the Fastest one on the Next Working Day U will Know Your Apps Status... smile.gif
Btw, You Applied Citibank CB Platinum & Maybank 2 Cards, Sekali gus at the Same Time...??? blink.gif

This post has been edited by fly126: Jun 26 2014, 12:06 AM
fly126
post Jun 26 2014, 12:28 AM

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QUOTE(dradormien @ Jun 26 2014, 12:14 AM)
Yeah, at first only plan for Maybank. And after jalan2 see citibank booth. I already have current account with citibank. Talk2 with them and they said why don't you apply. So I just apply. Does it effect any outcome?
*
Nope there Won't have any Bad Affection on the Outcome, just wait for the Good News... smile.gif
Btw, U have Seen MY Replies on the Groceries List that U have Asked, before... blink.gif

This post has been edited by fly126: Jun 26 2014, 12:32 AM
fly126
post Jun 26 2014, 10:33 AM

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QUOTE(dradormien @ Jun 26 2014, 07:53 AM)
Yeah,  I seen it.  Thanks so much for thorough explaination on groceries category. Since I will spend my card mostly to buy groceries for my restaurant. Hope can collect point beside of just only pay it using cash.
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Wishing U Luck on Your Apps... wink.gif
fly126
post Jun 26 2014, 10:35 AM

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QUOTE(Berkshire Breakaway @ Jun 22 2014, 10:35 PM)
using celcom issit?
*
Ya... I guna Celcom sweat.gif
fly126
post Jul 1 2014, 12:38 PM

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QUOTE(David83 @ Jul 1 2014, 10:07 AM)
Received my replacement card for my going to be expired CBP.
*
No CL Increment... blink.gif
Recently, they Offered ME Card Upgrade (Clear card to Rewards Plat.) they give me 60% more CL brows.gif

fly126
post Jul 1 2014, 12:43 PM

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QUOTE(David83 @ Jul 1 2014, 12:39 PM)
If they don't waiver my annual fee, I won't activate it and also cut the current CBP.
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Mine CB Plat. until 4/2015 baru tau Waive or Not... rolleyes.gif

fly126
post Jul 4 2014, 10:07 AM

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QUOTE(dinozilla @ Jul 4 2014, 05:32 AM)
Hi
My Citi Plat first bill is 8/2013
so when I suppose to see the Annual fee popping up?
when should i check up on the waiver with them?
don mind about the ST, but not the AF
won't consider if they ask to waive with loan...etc
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You Should Call CS to Request AF Waiver right NOW, Don't Wait until Last Minute ... nod.gif

This post has been edited by fly126: Jul 4 2014, 11:29 AM
fly126
post Jul 5 2014, 10:15 PM

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QUOTE(langstrasse @ Jul 5 2014, 11:29 AM)
Okay thanks.

I have another question - if I want to take a different citi card, is it possible to transfer my points or are they lost when the old card is cancelled ? I've never used the points since I started using this card a few years ago
*
If U think Your Current Card is NOT Suitable on Your Need, U can request to Up/Downgrade to get the CC that Suit You Best Without Cancel the Card by filled up the Credit Card Conversion Application Form & sent back to them http://www.citibank.com.my/english/docs/pd...pgrade-form.pdf
http://www.citibank.com.my/english/existin...ode=MYECMWAB3LM

QUOTE(krofal @ Jul 5 2014, 02:46 PM)
Hi, i've just received my citibank clear card and I saw that if i repay more the 50% of my balance every month then the interest will drop to 8% p.a in the next year?
Thanks in advance for any advice  happy.gif
*
Just Same like Others Citi Credit Card, will get 8.88% p.a (Preferred Tier for Cardholders who promptly settle their payments with >50% of their monthly outstanding balance for 12 consecutive months).
But, if You Failed to do so on the 2nd Year... it will Revised back to 15-18% p.a on the 3rd or Subsequent Years, Vice versa... http://www.citibank.com.my/english/citi-la...e=MYFCCCTT1#faq

This post has been edited by fly126: Jul 5 2014, 10:31 PM
fly126
post Jul 8 2014, 01:03 AM

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QUOTE(desmond_fantasy @ Jul 8 2014, 12:43 AM)
Agree, so maybank 2 cards the best? anyone got opinion?
*
If U got Income of RM100k p.a get Yourself a Public Bank Visa Signature with 6% Cash-back on Dining, Groceries & Online Transaction... It's Annual Fee Waiver subject to 12x Swipes a Year brows.gif

This post has been edited by fly126: Jul 9 2014, 12:19 AM
fly126
post Jul 10 2014, 02:01 PM

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QUOTE(raimy_m9 @ Jul 10 2014, 01:53 PM)
demn, applied during pc fair, didn't know i will get 2 cards.
they gave me clear master card and business platinum visa..
end up had to pay 2 card gst. haiz..
*
How come U X know when U Sign Up...??? hmm.gif
Never check thru your Apps...???

If it a Tricks from Sales Agent to get More sales commision from You (they have tick 2 Cards WITHOUT Your Knowledge) U can just call Customer Service to Complain about this Matter.... nod.gif

This post has been edited by fly126: Jul 10 2014, 02:02 PM
fly126
post Jul 10 2014, 09:20 PM

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QUOTE(raimy_m9 @ Jul 10 2014, 04:04 PM)
what apps?
i didn't know wor, those agent didn't tell me anything.. they only say just try only, maybe approve maybe not....and ask me to sign documents. now i regret went to that pc fair. all those amoi merayu-rayu asked me to sign up...haiz..melayang gst rm100.. stand chart and citibank approved on the next day..good thing that the rest of the cc application rejected.
and i didnt know they gonna give me 2 cards..
ps: Citi Business Platinum benefit doesn't look gooding.
*
You should beware those Amoi at 1st, go thru or take a snapshot Your Application before given back to them, if next time... whistling.gif
call customer service to complain or if you really tak mau All the card or just want to keep 1 Card Only
or swipes the card 3 times within 60 Days to have GST Credit back keep It for a year & Cancel All before the Next Anniversary shoot in smile.gif

fly126
post Jul 13 2014, 09:22 PM

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QUOTE(Human Nature @ Jul 13 2014, 07:26 PM)
That is not a good advice.

Doing this will only encourage unethical card agents. While some customers are at fault for being gullible, it is not a crime. Falsifying a document is.
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QUOTE(tigaxxx @ Jul 13 2014, 08:44 PM)
What's not good about the advice?
Taking snapshot of ur original application before submitting to the agent is a good move imo..
*
QUOTE
...call customer service to complain or if you really tak mau All the card or just want to keep 1 Card Only 
or swipes the card 3 times within 60 Days to have GST Credit back keep It for a year...


I think Human Nature Means This One- Not a Very Good Advice... hmm.gif
I Should told raimy_m9 terus Complaint to BNM... blink.gif

fly126
post Jul 14 2014, 12:08 PM

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QUOTE(AVFAN @ Jul 14 2014, 11:35 AM)
about cashback platinum....

i called proactively to ask for waiver on upcoming annual fee.

not expecting to get it this time, but i did.

was given waiver for both principal and supp card.

no frills, no conditions.

gomen fee, denied.
so... citibank is not that heartless after all, at least for this round. will continue to use the cb. been using their cards for >10 yrs.
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thumbup.gif thumbup.gif thumbup.gif
Btw, How many Years you been holding CB Platinum...??? blink.gif

This post has been edited by fly126: Jul 14 2014, 12:08 PM
fly126
post Jul 15 2014, 11:10 PM

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QUOTE(wilson1234 @ Jul 15 2014, 01:52 AM)
i just saw i have been charged for annual fee for citi clear card and airasia card. No notification was sent to mobile. I feel cheated for not being able to waive it. Can I cancel the card without paying it?
*
There's Only Way to find out is You Need to Call CS to Enquiry,
as Some of Us do Succeeding to get AF Waiver from them, as we never Try we never Know what the Outcome... blink.gif

QUOTE(Jen1 @ Jul 15 2014, 08:25 AM)
I am keen to convert my Air Asia Silver to Clear card.
I have called customer service and after checking, they told me if convert, I must pay Clear card annual fee RM90 immediately. They said I am not entitled for waiver upon conversion.
Has anyone tried conversion before and can share whether have to pay AF/ GST?

If I apply Clear card as second card, will I enjoy first year fee waiver with 3 swipes within 60 days?
*
No idea with Card Conversion but they have Auto Upgrade My Clear Card to Rewards Platinum as I NO Need to pay the Annual Fee on NEW Card as for the GST charging just follow back MY Old Clear Card Anniversary Date... rolleyes.gif

QUOTE
apply Clear card as 2nd card, will I enjoy first year fee waiver with 3 swipes within 60 days

This I can 100% Confirm to U: YES... U can have it (1st Year Annual Fee Waiver with 3x Swipes within 60 Days even on Your 2nd, 3rd... Citi's CC) nod.gif

This post has been edited by fly126: Jul 15 2014, 11:48 PM
fly126
post Jul 17 2014, 12:53 AM

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QUOTE(Jackygwh @ Jul 16 2014, 05:24 PM)
hrm....... any chance if re application will success ? biggrin.gif
*
U Never got Any Credit Card, before...??? blink.gif
will Need a min. Income of RM60k p.a for U to get AirAsia Visa Platinum
Try re-applied after 3 Months later... nod.gif

This post has been edited by fly126: Jul 17 2014, 01:01 AM
fly126
post Jul 18 2014, 10:59 PM

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QUOTE(Kazachok @ Jul 18 2014, 02:58 PM)
Salary 4800. only been working for 2 months. will my application be approved for plat?
*
I don't think so... sweat.gif
as Currently now the minimum annual income requirement for the Platinum Card - RM60,000 or RM5000/month
(Effective 1 June 2014, All the Banks in Malaysia have their Platinum CC Income Requirement revised back to RM60k p.a)


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