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

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SUSDavid83
post Jan 11 2019, 11:00 AM

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QUOTE(haru20 @ Jan 11 2019, 10:59 AM)
Sigh seem that i have missed the cashback for this month >< wasted  bye.gif
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By invitation only!
Are you being invited?
SUSDavid83
post Jan 11 2019, 01:30 PM

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QUOTE(#Victor @ Jan 11 2019, 12:03 PM)
Wonder which criteria will be utilise first or both simultaneously for Citi Cash Back card. Eg: spend RM100 on petrol will get RM10+RM10 cashback?
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I believe should be both simultaneously since 1 is card benefits and 1 is campaign benefits.
SUSDavid83
post Jan 16 2019, 05:37 PM

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In CCRIS, credit utilization should be generated under:

Total outstanding as % of total limit for Secured faculties and Unsecured faculties
SUSDavid83
post Jan 16 2019, 05:57 PM

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QUOTE(#Victor @ Jan 16 2019, 05:55 PM)
How much % consider healthy for Unsecured facilities? As for Secured facilities, if a loan just started not long should have high % of outstanding, will it affect too?
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Somebody mentioned here below 30% right?

And you're right on Secured facilities, as the ratio is close to 1 or 100%. That won't impact much on the ratio or % for Unsecured facilities

This post has been edited by David83: Jan 16 2019, 05:59 PM
SUSDavid83
post Jan 16 2019, 06:13 PM

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Citibank has been annoying lately.
Always send SMS for cash call and personal loan.
SUSDavid83
post Jan 16 2019, 06:15 PM

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QUOTE(adamchen @ Jan 16 2019, 06:14 PM)
I was about to apply Citibank Clear card, my basics is 2600++ but why I'm fail to apply?Any possible reason?
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Perhaps no credit history.
Are you freshly working or never own a credit card from other banks before?

This post has been edited by David83: Jan 16 2019, 06:16 PM
SUSDavid83
post Jan 16 2019, 06:19 PM

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QUOTE(adamchen @ Jan 16 2019, 06:18 PM)
Recently got 1 UOB one card and i work almost 3 year, current company is 5 months
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Could be you're too new to the current company.
Some bank will take into consideration.
SUSDavid83
post Jan 16 2019, 06:28 PM

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QUOTE(adamchen @ Jan 16 2019, 06:26 PM)
So, how long do you suggest? also if NOW i fail to apply, how long does it take to reapply?
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Cooling period: 3 to 6 months

I don't intend to try again for the most recent failed SCB JOP application till after 6 months.
SUSDavid83
post Jan 16 2019, 06:34 PM

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QUOTE(koala225 @ Jan 16 2019, 06:31 PM)
My salary is lower than u before I apply first credit card. My first card is UOB too. Then I apply 3 banks at the same time in shopping mall booth. All approved I get shocked too. My friend said if bank rejected your applicant, you may attached other bank credit card for reference. No point other bank can approve while this bank rejected. Hope it may help.
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I thought this trick is no longer useful now.
It used to be useful 10 years ago.
Now banks access all your credit information from BNM database called CCRIS.

SUSDavid83
post Jan 16 2019, 10:54 PM

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QUOTE(fense @ Jan 16 2019, 10:51 PM)
» Click to show Spoiler - click again to hide... «

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For (4), the bolded section. How that will help?
SUSDavid83
post Jan 17 2019, 10:15 AM

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QUOTE(lyc1982 @ Jan 17 2019, 10:01 AM)
it's not like SCB cc has a lot of benefits
not sure why they reject applications like nobody's business
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It's because of the cash back: RM 85 for JOP and RM 50 for LCB
SUSDavid83
post Jan 17 2019, 08:24 PM

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QUOTE(fense @ Jan 17 2019, 06:41 PM)
Citibank is so stingy...
So many not eligible category.
I swipe my PTPTN using 4 different Bank credit card:
Aeon Big Card : online rebate granted
Pb quantum(wife) : granted cashback
Maybank AMEX:: granted
Citibank: not eligible,
Thus, that transaction charged to merchant named on 26 Dec 2018 was under the education establishments or institutions category. Thus, the transaction did not earn any rebate.
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I already know right after I swiped it.
It is under exclusion list for government related services.
SUSDavid83
post Jan 19 2019, 06:33 PM

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QUOTE(westlife @ Jan 19 2019, 06:04 PM)
so most of u guys own the clear card rite? Becos of coffee bean 1-for-1?
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Not me!
SUSDavid83
post Jan 19 2019, 08:23 PM

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QUOTE(westlife @ Jan 19 2019, 07:51 PM)
which card do u own now?
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Citibank Cash Back Platinum
SUSDavid83
post Jan 21 2019, 04:26 PM

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QUOTE(stevenng97 @ Jan 21 2019, 04:22 PM)
Oh I thought I pay full got cash back lol ...
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Of course no!
SUSDavid83
post Jan 21 2019, 04:33 PM

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QUOTE(stevenng97 @ Jan 21 2019, 04:30 PM)
Mean this card is nothing for instead of using lol
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Yes, nothing for those who pay FULL every month.
SUSDavid83
post Jan 22 2019, 07:59 PM

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QUOTE
RM0.00 Citi: Enjoy better financial flexibility with a Credit Limit Increase of up to RM15,000 on your card ending XXXX. Info @ www.citibank.com.my/line. T&Cs


Got this SMS.
What does it mean?
I may able to increase my current CL up to RM 15k which is double of my current CL?

This post has been edited by David83: Jan 22 2019, 08:40 PM
SUSDavid83
post Jan 22 2019, 08:31 PM

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QUOTE(beLIEve @ Jan 22 2019, 08:29 PM)
That is what I understand. Only unclear is add up to another 15k on top of your existing limit or <=15k is your new limit.

Don't know if they add limit based on your new salary or simply add for the sake of adding. This is where the t&c kicks in I guess.
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My current limit is already RM 15k.
I didn't apply for any CL increase.
I didn't submit any NEW income document to them also.
SUSDavid83
post Jan 27 2019, 08:11 AM

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QUOTE(terrysoh @ Jan 27 2019, 01:30 AM)
Hello David,

I am wondering if the Cash Back Platinum gives 10% cashback on GrabPay reload, since it mentioned 10% off Grab Rides.

Any advise/experience on this? Thanks !
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Yes.
SUSDavid83
post Jan 30 2019, 01:25 PM

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Somebody mentioned that he got Citibank Cash Back (not Platinum) when he already owns Citibank Cash Back Platinum.

Is there SST charged on the newly added Citibank Cash Back Normal?

This post has been edited by David83: Jan 30 2019, 01:33 PM
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