Lowyat.NET -> Finance, Business and Investment House -> Credit Cards, Debit Cards, Prepaid Cards and Loyalty CardsCredit Cards Citibank Credit Cards V3, Everything about Citi Credit Cards
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 Aug 6 2015, 09:12 AM
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Junior Member
26 posts Joined: Mar 2012 
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QUOTE(richstars8818 @ Aug 5 2015, 06:05 PM) you have any loans for 2 years? that's why fast Nope, din commit to any loan, but I have a prompt payment for other credit card.  It is weird yet funny. |
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Aug 6 2015, 09:15 AM
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Junior Member
193 posts Joined: Mar 2014 
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QUOTE(MaxFangs @ Aug 6 2015, 09:12 AM) Nope, din commit to any loan, but I have a prompt payment for other credit card. Are they(Citi) able to check our payment records at other banks? It is weird yet funny.  |
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Aug 6 2015, 09:15 AM
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All Stars
52,874 posts Joined: Jan 2003
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QUOTE(lengzhai @ Aug 6 2015, 09:15 AM) Are they(Citi) able to check our payment records at other banks? They rely on CCRIS and CTOS. |
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Aug 6 2015, 09:32 AM
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Junior Member
26 posts Joined: Mar 2012
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QUOTE(richstars8818 @ Aug 6 2015, 09:22 AM) your credit cards are all more than 2 years? hmm... Noooo, I have just 1 maybank2cards, which applied end of June, July prompt payment. |
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Aug 6 2015, 09:34 AM
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Junior Member
26 posts Joined: Mar 2012
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QUOTE(richstars8818 @ Aug 6 2015, 09:22 AM) thought all banks are same relying on CCRIS and CTOS? I guess so, since I don have any bad records, that one the approval is lightning fast. Anyhow, it is still a efficient bank :-) |
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Aug 6 2015, 11:36 AM
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All Stars
10,340 posts Joined: Jan 2003
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QUOTE(karcity @ Aug 5 2015, 07:13 PM) I have similar experience in the past with alliance bank. They block all my internet transaction. When called, they say worry of fraud and can try again. When try again, same issue. Then the CS say only one internet transaction per month are allowed. Basically all are rubbish. I stop using the cc for 2 months and re use again, everything settled. Not sure whether my experience will help in your case or not thanks for sharing. but in my case its not just about online transactions. i have a regular transaction also. The funny thing is I charge to the same card by the same company before. Just 2 weeks before the same company charged RM14,000 to citi card, it was not blocked. But when the same company charge RM662, it blocked  baka~ |
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Aug 6 2015, 02:13 PM
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Junior Member
47 posts Joined: Sep 2013
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QUOTE(lengzhai @ Aug 6 2015, 08:41 AM) Thanks. I will ask my agent about this. I actually quite sceptical about insurance and the way their charging until as of yesterday still doing the manual way of payment In my opinion, if you were to charge insurance premium using credit card you may want to consider OCBC 365 credit card. 1% cash rebate up to RM1000 monthly. I am doing that lol But doing autobilling via cc will save a lot of time and energy. If the autobilling is done by using a cash back type card, will I still get the 0.2% CB as other retail expenses? |
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Aug 6 2015, 02:39 PM
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Junior Member
385 posts Joined: Jan 2003 From: Wellington, NZ
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QUOTE(Sam Ho @ Aug 6 2015, 02:13 PM) In my opinion, if you were to charge insurance premium using credit card you may want to consider OCBC 365 credit card. 1% cash rebate up to RM1000 monthly. I am doing that lol I think Watami 3% cashback is much better for insurance and stuff  |
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Aug 6 2015, 03:09 PM
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Junior Member
193 posts Joined: Mar 2014
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QUOTE(mgb @ Aug 6 2015, 02:39 PM) I think Watami 3% cashback is much better for insurance and stuff But Watami needs to have RM3000 spending to have the cash rebate. But OCBC 1% is just CB on any amount in a month. Correct me if i'm wrong. |
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Aug 6 2015, 03:17 PM
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Senior Member
4,232 posts Joined: Apr 2011
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QUOTE(lengzhai @ Aug 6 2015, 03:09 PM) But Watami needs to have RM3000 spending to have the cash rebate. It depends on individual's spending habits. But OCBC 1% is just CB on any amount in a month. Correct me if i'm wrong. If you can't spend 3K in the span of 3 months, Watami is a NO, no to you. |
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Aug 6 2015, 06:05 PM
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Senior Member
700 posts Joined: Oct 2014
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Anyone cancel citibank cc before? I cancelled mine but the CS say no letter of confirmation will be issued. Is that true?
Other bank will give a letter stating that the card is cancelled. |
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Aug 6 2015, 06:14 PM
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Senior Member
6,424 posts Joined: Jun 2005
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QUOTE(karcity @ Aug 6 2015, 06:05 PM) Anyone cancel citibank cc before? I cancelled mine but the CS say no letter of confirmation will be issued. Is that true? I don't recall I receive any letter from citizens for my past cancellations. But I will get them to confirm my cancellation effective date with cs name.Other bank will give a letter stating that the card is cancelled. |
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Aug 6 2015, 06:32 PM
Show posts by this member only | IPv6 | Post
#2373
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All Stars
26,524 posts Joined: Jan 2003
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QUOTE(karcity @ Aug 6 2015, 06:05 PM) Anyone cancel citibank cc before? I cancelled mine but the CS say no letter of confirmation will be issued. Is that true? I received confirmation via the online portal.Other bank will give a letter stating that the card is cancelled. |
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Aug 6 2015, 07:29 PM
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Senior Member
700 posts Joined: Oct 2014
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Anyone holding cash ready debit card? I tried to cancel but I was told must hold one year or else they will fine me RM 200. Is that true ?
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Aug 6 2015, 07:48 PM
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Senior Member
700 posts Joined: Oct 2014
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QUOTE(Human Nature @ Aug 6 2015, 06:32 PM) I received confirmation via the online portal. Thanks. The CS told me citibank never issue confirmation before.. |
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Aug 6 2015, 08:22 PM
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All Stars
10,820 posts Joined: Jan 2010 From: KL/PJ
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QUOTE(lengzhai @ Aug 6 2015, 03:09 PM) But Watami needs to have RM3000 spending to have the cash rebate. Hong Leong Bank Essential 1% CB But OCBC 1% is just CB on any amount in a month. Correct me if i'm wrong. |
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Aug 6 2015, 08:51 PM
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Junior Member
47 posts Joined: Sep 2013
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QUOTE(lengzhai @ Aug 6 2015, 03:09 PM) But Watami needs to have RM3000 spending to have the cash rebate. Yes. On any amount. I am using that to pay my water/elec bills. But OCBC 1% is just CB on any amount in a month. Correct me if i'm wrong. |
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Aug 6 2015, 08:59 PM
Show posts by this member only | IPv6 | Post
#2378
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All Stars
26,524 posts Joined: Jan 2003
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QUOTE(karcity @ Aug 6 2015, 07:48 PM) Thanks. The CS told me citibank never issue confirmation before.. 2-3 years back, I insisted for citibank to issue a letter and i received it. But this time, the online portal is good enough. |
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Aug 6 2015, 09:18 PM
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Junior Member
381 posts Joined: Feb 2012
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Is it Credit Shield Premier come with application of new citibank credit card??
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Aug 6 2015, 09:48 PM
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Junior Member
381 posts Joined: Feb 2012
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QUOTE(richstars8818 @ Aug 6 2015, 09:21 PM) u dont tick it lo Oh no, the form was written by the banker..But I am sure even it's ticked, I can request to cancel right?? |
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