same happened to me, they insisted me to pay RM630 annual fee for premier miles. i said no, then they downgraded me to the annual fee waived card. Full stop.

threatening to cancel, begging doesnt works.

i have signed up an instalment plan, so can't terminate it immediately, at least until the instalment ended.
But i have already boycott for not using the card for any retail purchase.

If you read the last 50 pages, then your case is considered an outlier.

Cancelled my premier miles 9 months ago, nobody call to rentend me. They have too many customers no issues to loose some.
No point to get the fees waived, take it or leave it.

Ask any marketer, they will tell you the cost to solicit a new customer is much more than to retain an existing customer.
Citibank never learn.

You can use it immediately

join the income update campaign, and got the 20inch baggage.
Thanks Citibank

I wonder if we got the same lung gage? Gold in color?

just take up their 0.99% p.a. BT offer，seems very good deal.

Ok, my understanding is that say if you BT - RM3000, the conventional BT is that you need to settle an equal amount every month, i.e. RM500 + interest.

For Citibank BT scheme, you need to pay the minimum 5% per month (RM150), before the 6 month expired, you need to settle all in one go, otherwise on the 7th months onward, the interest will be increased from 0.99% to 15% p.a. It is a flexible payment scheme, within the 6 months you can pay any amount, the 0.99% is charged on the unpaid amount.

Yes, i used to have premier miles and cancel it as the RM600 annual fees cannot be waived.
I threaten to cancel, and then they cancel it and send me a basic card since.

yes by invitation only.

I took up the Citibank 0.99% BT - 6 months offer back in Sept 2017 which I think it is a good deal. Under this scheme, I can pay any amount (as long as more than the minimum payment (of 5%)) during the 6 months tenure. If I pay any extra, the extra payment will go to settle my retail purchase first before goes to my balance transfer.

Only today I found out that it is a big catch of this so called 0.99% p.a. BT promotion.

Once you take up the offer, all retail purchase will be charged financial charge of 15% p.a. from the day you swipe your credit card. The normal practice for retail purchase is if you swipe your card on 1st Jan, it will go to your Feb statement and you will be given 50 days, say the beginning of March to settle the retail purchases transactions.

But once take up the BT 0.99% offer, the financial charges started from 1st of Jan, so you no enjoying 50 days interest-free grace period. I called to Citibank hotline and this is what the CS explained to me. But the thing is this is not known to me in the first place, i felt i am cheated, and the modus operandi is so different than other bank's BT.
I call it a scam...

Any feedback from others? Do you encounter the similar situation? What is the solution?

It was done over the phone, no PDS involved. They prompted me to listen to the terms and condition over the phone, it was a short 10 seconds normal terms voice recording, and I click No. 1 Yes - agreed after listening to the T&C. It talked about monthly min and max payments, i am flexible to settle any amount as long as more than the min amount.

I don't recall the voice recording mention about 15%-18% interest rate applicable on the retail purchase once I take up the offer.

in your case, the officer warned you, but not in my case. I am like kena tipued, as the way it works so different from the local banks.