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Credit Cards Citibank Credit Cards V4, Everything About Citi Credit Cards

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fruitie
post Jul 20 2017, 04:26 PM

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QUOTE(SKY233 @ Jul 20 2017, 02:41 PM)
about 2 weeks for my case sweat.gif
i got it after raya, maybe slower due to long holidays
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QUOTE(sendohz @ Jul 20 2017, 03:53 PM)
Within 1 week +
For Citi clear card
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Thanks for the information. My agent also called me telling me it will be sent to my office address and most likely will be only sent out today. sweat.gif
I wonder if apply for higher tier card, will they spend money to use courier service instead? laugh.gif
fruitie
post Jul 20 2017, 07:13 PM

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QUOTE(SKY233 @ Jul 20 2017, 06:57 PM)
think so la..
baru feel "premium" ma  laugh.gif
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Yeah because I rarely received cards via normal postage regardless level of cards. tongue.gif
fruitie
post Jul 22 2017, 10:21 AM

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QUOTE(Parasite85 @ Jul 22 2017, 07:16 AM)
The answer is NO. I applied citi visa premiermile and it was posted to me through normal post too.

Most of the banks send out the card through normal post, regardless of the card type,

Including uob visa infinite and cimb visa infinite.
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I always got my cards via courier service that includes UOB and CIMB too. smile.gif
fruitie
post Jul 22 2017, 01:41 PM

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QUOTE(KeSToN @ Jul 22 2017, 12:07 PM)
alternatively, you can go to the nearest citi branch and tell them to send it to the branch. the branch will call you when the card comes then you go and collect
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No nearby branch but my agent managed to check and it will be sent to my office.
Gotta push that lazy receptionist then.

QUOTE(KeSToN @ Jul 22 2017, 12:08 PM)
the cimb preferred VI came in pos laju la i think
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Even my CIMB CR and Enrich Plat came with Poslaju. smile.gif
Anyway, please multi-quote ya.
fruitie
post Jul 23 2017, 11:14 PM

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QUOTE(kehadapan @ Jul 23 2017, 10:48 PM)
any procedure how to cancel citibank CC?
do i need to walk in to their branch?
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Call CS will do.
fruitie
post Jul 25 2017, 06:35 PM

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I went to company's mailbox and collected my own card, all thanks to company's lazy receptionist. shakehead.gif

Got my card. rclxms.gif RM 30k CL for just a Clear Card, I think that's too much, I may ask for reduction. laugh.gif

I will register Citibank online later. biggrin.gif
fruitie
post Jul 25 2017, 07:09 PM

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QUOTE(adele123 @ Jul 25 2017, 06:48 PM)
Might want to be more careful disclosing this information. Dont give too exact. Revealing p&c info about your personal info.

Actually quite standard for citibank to give about 3times monthly income, based my experience and of my friends.
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Actually 30k is not the exact amount. laugh.gif brows.gif No worries. tongue.gif
Not 3 times for me, I ikan bilis only. sad.gif
fruitie
post Jul 25 2017, 09:15 PM

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QUOTE(sj0217 @ Jul 25 2017, 08:53 PM)
If having RM30k CL, maybe can upgrade to Citi PremierMiles Visa Card ?  hmm.gif
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Can upgrade like this one meh? Anyway, I plan to apply it later. biggrin.gif
One at one time. laugh.gif Gonna swipe 3x to waive AF, I thought first is free but 3x is not difficult. tongue.gif

This post has been edited by fruitie: Jul 25 2017, 09:18 PM
fruitie
post Jul 27 2017, 10:36 AM

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QUOTE(playboy88 @ Jul 27 2017, 10:25 AM)
that sound good, but i seldom will use this card, i main focus is maybank2card.

thinking of get an CITI bank credit card is because time to time they offer a very low interest rate credit card loan. haha
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What is a credit card loan? unsure.gif

QUOTE(deity01 @ Jul 27 2017, 10:34 AM)
congrats, this 30k is credit limit? or is their total of limit A + limit B?
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It shows as CL? What is limit A + limit B? unsure.gif
fruitie
post Jul 27 2017, 11:12 AM

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QUOTE(playboy88 @ Jul 27 2017, 10:55 AM)
in a proper name that call it Quick cash. example your credit limit is 10k, they offer you take your credit limit up to 80%, which is 8k in cash. interest rate at per annual 3%.

if you agree, they will transfer to money to your saving / current account.
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Oh, not interested in taking cash from credit card.

QUOTE(ftan @ Jul 27 2017, 11:05 AM)
Received SMS from citibank saying my credit card is approved and card delivery is within 2 weeks.
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I received within 4 working days, in KL. They are using normal postage, so look out for it.
fruitie
post Jul 27 2017, 11:24 AM

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QUOTE(ftan @ Jul 27 2017, 11:19 AM)
Thanks, fruitie. I've requested them to send to my office. Will check with the receptionist next week. smile.gif
*
Yes, I got them send to my office too. biggrin.gif I can start doing community work for my colleagues if they want CBTL.
fruitie
post Jul 27 2017, 02:17 PM

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QUOTE(deity01 @ Jul 27 2017, 12:15 PM)
sorry, is actually credit limit X and Y, not A and B..

citibank actually come up with this creative credit limit thing...

X is ur spending limit, <----this is the usual credit limit that we understand...
and
Y is your installment limit

X + Y  = Total Credit limit..

if you buy something..swipe card..you will be using X, then you turn it into installment, then the amount you use at X will be free up and Y will be utilized instead..

if you spend less...then citibank likes to call you to get dial for cash, which will draw money from X and/or Y..
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Oh, thanks for the explanation. Where can I see this X and Y? laugh.gif
fruitie
post Jul 27 2017, 02:27 PM

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QUOTE(deity01 @ Jul 27 2017, 02:19 PM)
your cc statement or citionline...
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OK, I just checked in Citionline. It shows current balance: RM 0.00 (I haven't spent anything on this card) and Available credit: RM 30k.

Anyway, not important for me because I won't spend so much on this card. laugh.gif I will call to reduce, too much for me. sweat.gif

fruitie
post Jul 27 2017, 02:50 PM

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QUOTE(deity01 @ Jul 27 2017, 02:29 PM)
no need to reduce la..no use it then leave it..I am sure you hv enough discipline and/or can use it wisely..
who knows you may need it one day...

oh..not there...services tab > credit limit inquiry
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No la, high limit may affect my DSR or future credit card applications. Other banks may think I have much higher commitment vs income. smile.gif

Alright, just checked again, nothing special maybe because I haven't started using it. smile.gif
user posted image
Those in black block are same amount as per my CL.

However, I must praise CitiOnline, quite easy to use and can even request for CL increase, either permanent or temporary increase. thumbup.gif Sometimes I prefer to do things myself rather than talking to CS...

This post has been edited by fruitie: Jul 27 2017, 02:51 PM
fruitie
post Jul 27 2017, 03:28 PM

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QUOTE(deity01 @ Jul 27 2017, 03:24 PM)
then..wow...ur CL is really high..haha..next time when they start to give you installment limit then will be even higher...
if CL alone...ur citi clear is > then my citi reward...lol
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laugh.gif I don't even know there is separate limit. laugh.gif
It's OK la, apa2 je, who knows in the end they won't give me and still retains RM 0.00. tongue.gif
Anyway, thanks for informing me there is such a thing because I really don't know. sweat.gif
fruitie
post Jul 27 2017, 09:40 PM

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QUOTE(ftan @ Jul 27 2017, 09:39 PM)
Haha, yes. It's a good deal. I prefer CBTL rather than SB. But SB nearer my office. Dang it.
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I also do community service for Starbucks using my AmBank card. tongue.gif
fruitie
post Jul 27 2017, 09:49 PM

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QUOTE(ftan @ Jul 27 2017, 09:43 PM)
Haha, awesome. It's a good deal. Tried first time on Monday this week. Can use as many times as I like, so the SB manager said.

Good to have both cards then.
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Yeah, it's such a pity that I can't drink coffee and can only consume little bit of chocolate. sweat.gif
Else I would have maximised these two cards' coffee fix benefits.
fruitie
post Aug 4 2017, 07:45 PM

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Finally swiped first time for my Clear Card for B1F1 GSC tickets. tongue.gif

How many max no. of tickets can I buy? biggrin.gif
fruitie
post Aug 4 2017, 10:26 PM

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QUOTE(fly126 @ Aug 4 2017, 08:18 PM)
Oh well, better than nothing I guess. laugh.gif
fruitie
post Aug 5 2017, 01:13 AM

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QUOTE(dradormien @ Aug 5 2017, 12:48 AM)
Usually how long it will take to know the application result?
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I received verification call three days after submission and got approval SMS two working days after that.

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