That's why I only apply for CC that has no annual fee, or easy condition like 12 swipes in a year. Can't be bothered to call and beg for waiver. For Citibank, only Choice card has no annual fee. Go for that. . I only use Citibank card for discounts at restaurants anyway.

I really do not understand. Why some people want to beg for annual fee waiver every year? There are so many free for life credit cards out there.

It is better to cancel Citibank credit cards and apply for local banks credit cards. Why give business to a foreign bank that obviously treats its customers like beggars?

Had the same case last year. They told I earned a lot from cashback. Explained me the features of the card bla bla bla. I told him I know all that, no need to tell me. Waiver or no waiver? No.

Then I told them I don't want to have anything to do with Citibank anymore as there are many cards out there for me as a consumer.

Most of the time I saw aunty them use citibank credit card when making payment in Jusco...

I assuming bank is targeting old generation probably they only know limited credit card detail in market and as long as they are feel happy with their service, no point to change again. Imagining if a person who use it since long time ago.

I don't think they wanna to change it. But this is different from working adult

I agree. Imagine my surprise when I found out one of my uncle has been paying the annual fee for years...until i told him can try to call asking for waiver.

Hie sifus.....a question here

If i got take the Dial for Cash offer....m i allow to cancel the card before the tenure end? If yes any penalty on it?

usually there will be additional 5% on top of your remaining loan amount.
call cs to get the exact amount and to confirm with them the closure of your dial for cash..

Oni 5% for remaining loan amount rite? Not the full inital loan then ok

I decided to cancel my citibank cc as well. I went to nearest shop to spend all my points before proceed for cancellation. Then I found out citibank points is 400 points=RM1, which I think is really ridiculous (0.025%). Some local bank is 200 points=RM 1 which is the double of citibank and it is lifelong AF free. Citibank offer 5x rewards on groceries is totally ridiculous after knowing their point exchange system.

400 points =RM1
Same Conversion's Rate with Maybank, RHB & Others, also...
http://www.maybank2u.com.my/mbb_info/m2u/p...d=/mbb/Personal
http://www.rhbgroup.com/products-and-servi...s-Revisionx.pdf

But, Citibank Rewards Point is Evergreen Never Expired Compare to Others Bank's CC Rewards points with Only 3 Years Expiration period...

This post has been edited by fly126: Jul 20 2015, 02:55 AM

If I'm not mistaken, yes, 5% from the outstanding amount.

Sound positive for me.....tq for info

Cos the tele marketing beg me to take this dail for cash where i do not require it.....if this will make me canNot cancel my card b4 next annual fee charged to my CC....then i will damn regret

This post has been edited by BumHunter: Jul 20 2015, 03:48 PM

info found here and here

Wah lao.. the citi reward points increase so much point to exchange an item. F**k.. last year catalogue and this year catalogue really huge difference.

I saw an water pressure borsch around 88k point for exchange last year. This year increase to 250k points... really F**k

If i buy engine oil inside petrol station using citibank platinum cashback card will i get the 5% cashback?

For more offers near you, click here >>

TERMS AND CONDITIONS:
1. Offer is valid at participating outlets in Penang with payment using Citi cards.
2. Not valid with other ongoing promotions, discounts, vouchers, privilege or in-house membership cards.

Will high credit limit affect application on other bank credit card or loan application?

I wish to know the answer too. I have RM25k credit limit in citibank, and i unable to apply credit card from maybank and cimb. dono why

yea, im wondering too..

Just called citibank to confirm on this....unfortunately yes, one person will assigned a credit limit by Bank Negara and every credit card bank issuer can oni share within this pool of credit limit

If one bank offer high credit limit which ultilising all the quota....means other bank cannot approve ur credit card anymore or with low CL

This post has been edited by BumHunter: Jul 22 2015, 03:45 PM