My 11th anniversary with Citibank
So far they waived my annual fees
GST only since 2 years back

This post has been edited by Berkshire Breakaway: Apr 13 2014, 10:59 AM

that's not true
certain banks give high credit limit and some don't
for example my maybank credit limit is higher than citibank

on the other hand, maybank is not careful of credit assesment
they give out credit to undeserving people
which is why maybank has a lot of non performing loans

wah aunty fly so pandai!

supplementary cards are free
but you still need to request for GST waiver
rm25, can easily be waived.

bear in mind, many of the privileges are only valid for principle card holder
the supplementary card is more for syiok sendiri

that's good. that's what i advise on the first page too.

yeah agents always like this sadly
which is why i did a write up on the first page why should apply online
padan muka they did not read it.
some people, when the product brochure clearly says 24K, they still believe the agent lol

you got good payment behavior maybe
you might even get platinum

visa platinum or citi prestige (master card)

please do not comment if you're not sure
i notice your posts are mostly spamming posts
this is not kopitiam

https://forum.lowyat.net/topic/3145117/+40?author=balanar_27

This post has been edited by Berkshire Breakaway: Jun 8 2014, 12:41 PM

That's true! Only a platinum.
Wow miss fly is very informed.
but most citigold customers can so easily qualify for prestige

i think people like get confused easily if you don't check carefully and read all the posts and simply comment

avineshhh in the forum above maybe cannot get cards and he asked if he can do FD pledging in order to get a card.
fly126 answered cannot. except that if you are a citigold customer (minimum 200k deposit to be citigold) you can directly get a platinum card without income requirements
Berkshire Breakaway commented that EVEN with citigold you only get a complementary platinum card and NOT a prestige card. which is quite sad. so them banks really want your income documents.

I do not know why suddenly you're blabbering about 200k pa requirement for prestige when we are talking about FD pledging and complementary cards without income requirements.

For the 2nd part i don't know what cock bully story your RM friends say, but your 200k has to maintained in order enjoy the privileges. If not you have to pay heavy admin charges every month and you would be advises to close your account. it does make sense to change private banking all the time. one thing - the privileges are not that great for it to be worthwhile doing so.

This post has been edited by Berkshire Breakaway: Jun 15 2014, 08:16 PM

if you know, then what is the value of your post anyway? "just" want to mention?
discussion about how to apply and qualify for cards and how to get a better card brings value to your this thread.
your thread has only speculation, if you have nothing useful to say please goto to Kopitiam. thanks

fly126 actually i also pusing kepala just now. now okay edi.
what i lagi dun understand is, private banking privileges are not as nice as some VIP credit card privileges. buat apa nak tukar tukar bank just to enjoy privileges+hamper+leather bag and cash out?

btw in case you're interested to know:
last week i went to the citigold lounge (i went as a corp client for my company/i am not so rich okay)
the lounge at menara citibank, got a lot of goodies there. those RM chicks will pester you for this and that such as AUD dual currency account. okay lah i am not gonna deny some are quite pretty and you can flirt with them. ok free parking at citibank is useful. but to pay the management fees when your monthly balance falls below 200K? totally not worth it.

This post has been edited by Berkshire Breakaway: Jun 15 2014, 11:55 PM

That's 100% true bro. But who cares since we are already there just enjoy the show lah. We not paying also.

this has been discussed a gazillion times
why do you think they refused?
please bear in mind that it is not a real waiver but offset (citibank still needs to pay Rm 50 to BNM)
they are normally willing to lose the RM 50 only for selected customers. i got mine waived.
if you terminate, are you sure the future bank that you're going to get a card from would offset your GST?
think about it.

redeem via TP is considered paying as well. the points are yours. you're using your points to pay.

This post has been edited by Berkshire Breakaway: May 3 2015, 03:12 PM

i advise you to apply online just like fly126 suggested (nice links she has)
you can also refer to page 1 of this thread for more information on applying online.
not sure what you mean by genuine agents.
are there fake agents? what do fake agents do? take your details and run away? never heard of them.

there are 2 types of agents.
1) actual full time/part time bank employees who have quota etc that can do submission for you
2) a freelance agents who themselves or their agency being authorized by the bank to do the submission
both get either commissions or some kind of incentive.

using celcom issit?

yes only these 2 cards at the moment
it is clearly stated in the website

wait till you see a long long queue at the KLIA citibank taxi counter
just not worth it. i always get my wife to fetch me
can have ehem ehem moments after a long time forever alone in europe

pm me your phone number and i would check for you why