Different people has different view. Some will call to increase CL, and some will call to reduce credit limit. It is individual dependence. I always call in to reduce CL. Because they really give me too high limit and make me fear. Surprisingly reduce CL also subject to approval!

Club 21 Clearance Sale is back







This post has been edited by sj0217: Aug 22 2015, 08:50 AM

I'm no expert but I think the logic is this, if you have a high credit limit and you are not utilizing all of it, it shows your discipline as a bank has trusted you with a high credit limit and trust that you will not overuse it and payments are done in a timely manner.

Some people believe that for credit scoring purpose, your spend amount on your card should not exceed 25% of your credit limit in a best case scenario. So if you have RM10000 of credit limit, spend amount should be around RM2500.

I agree that payment done in a timely manner is some form of pattern that banks prefer. But I doubt that is the reason to give high credit limit. In perspective of bank, they want to make money, paying promptly mean no income generation but is also less risk amounting to bad debt. They give high credit limit to encourage to spent or if got emergency usage of huge sum, there is chances of delay payment, instalment and etc which can generate income.

citibank really wan to kek me die. never ending problems. I just realized they haven't been giving me any point for my citi reward card since june. i wonder does it have something to do with me not subscribing to any category. i just reported the issue. waiting for call back....

so i finally found out why my transaction was not receiving any points. before march 2015 it was still ok. seems that the reward point tnc has changed since. here is the new pdf

https://www.citibank.com.my/ICARD/subapp/re...rewards-tnc.pdf

i feel its kindda fucked up.

This post has been edited by WhitE LighteR: Aug 27 2015, 03:25 PM

Meaning whatever you use, you won't get points at all?

Revision of voucher codes and redemption points for Citi Rewards Catalogue wef 1 October 2015

https://www.citibank.com.my/global_docs/pdf...ctober_2015.pdf

Hi, I am wondering citibank visa platinum supplement card able to enter PPL for free? I know principal definitely able..

Dear Sifus,

I travel to overseas every month with a minimum stay of 1 week, longest 4 weeks for business trip. I will specifically be using the credit card for hotel payment (mostly), dining (seldom) and shopping (seldom), excluding flight ticket (being paid by company). I will have to pay first and claim the following month from the company.

Is the Citibank Business Platinum Card suitable for me?
Can I apply for it on my own or does the company has to apply it for me? Because in the "How to apply" section, I only saw the information for self-employed person.
Citibank Business Platinum Card Website

Much appreciate the help.

https://forum.lowyat.net/index.php?showtopi...post&p=74491743

If You're Interested with Others Cash back CC...
https://forum.lowyat.net/index.php?showtopi...post&p=75651861

Just Submit Your Apps like Normal Personal Credit Card Application will do...
Apply Credit Card Online

Income Submission Guide for Credit Card Application
I) For Commission Earners,
*Latest 3 Months Computerized Pay Slips OR
*Latest Computerized EA Form (dated within the Last 12 Months) OR
*Latest EPF Statement (dated within the Last 12 Months) OR
*Latest Borang BE with LHDN Receipt (or Proof of Tax Paid)
II) For Fixed Salary Earners,
*Latest 1 Month Computerized Pay Slips OR
*Latest Computerized EA Form (dated within the Last 12 Months) OR
*Latest EPF Statement (dated within the Last 12 Months) OR
*Latest Borang BE with LHDN Receipt (or Proof of Tax Paid)
For Non-Computerized Income Documents, it is Advisable to Provide more than 1 Income Document (eg. Bank Statements, EPF, EA) to Show Salary Received.
III) For Self-Employed,
*Latest Borang B acknowledged/duly Certified by LHDN, with LHDN Receipt (or Proof of Tax Paid)

Edited 2X Post...

This post has been edited by fly126: Aug 30 2015, 01:17 AM

Much appreciate the reply dear brother,

Before this I literally had no idea that for the Citi Business Platinum we will have to call CS to actually earn the cash back, thought that it will automatically be done. This piece of information is very useful and changed my mind about getting it now, haha. Not the kind of person to call plus I will be busy and not have the time to do so.

Your suggestion, with regards to the Citi Cash Back card intrigued me. However, in my case (in which the card will be used mostly for hotel payment); correct me if I am wrong, I will only be eligible for 0.2% cashback with no capping?

Appreciate the reply.

haizzz.... they increased so much the point.... i got 50K point also dunno what to exchange

For citibank Cashback platinum
1)do umobile bill payment have 2% Cashback?
2)petrol swipe must be at automated fuel dispenser for 5%? :-P

Can i cut the card which are activate but yet to use it?

I got citi rebate n city platinum

Plan to cancel citi rebate and keep the platinum for point and those citi partner merchant.

Will there be any charges?

Thanks

My decision to cut off my Citi card is a correct decision! Some more to collect points also so much of exception, basically they won't give us points for most of the activities!

Shouldn't be a problem, there should not be any charges impose.

I've never held two different cards from the same bank before, it's my first time with Citibank. When making payment, do I have to make Interbank GIRO transfer to two different account numbers or is there another simpler way?

U have to make 2 time payment by transfer interbank transfer if u using other bank

Actaully, there is a way u can make 1 time payment by transfer fund to 1 credit card.
Then call to citibank to transfer exceed payment to another card.

This is troublesome and risky as u need make a call (call also need phone call cost and u need to follow up until it credit which took frew workiing days) and u might unable to transfer the exceed payment due to various reasons.
Example, may be u swipe the card that u pay for extra and current oustanding amount might be paid with extra payement. Bank might not allow to transfer as the credit card do not have extra payment when consider courrent oustanding,