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

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fruitie
post Mar 23 2019, 03:36 PM

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QUOTE(MasBoleh! @ Mar 23 2019, 02:59 PM)
CTBDIALFORCASH(009:024) 320.21
QUICKCASHINTEREST(EIR) 59.75
CTBDIALFORCASH(010:024) 323.65
QUICKCASHINTEREST(EIR) 56.31
Guys, would like to know what is this? It has been charged in Feb then in March again. Thank you
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010: 024 means you have paid 10 months and total is 24 months? Wow, you only realised now? sweat.gif
SUSDavid83
post Mar 23 2019, 03:37 PM

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QUOTE(MasBoleh! @ Mar 23 2019, 03:32 PM)
Cash call is quick cash? This one?
https://www.citibank.com.my/english/existin...-quick-cash.htm
Wait .. seriously? Now I don't even know what is this already sweat.gif seems like need to give bank a call.

The interest rate RM 50+ is crazy
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QUOTE(Kcee @ Mar 23 2019, 03:33 PM)
Wait... Seriously? U forgot that you agreed to such loan via phone call?
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Based on the transaction description, he has subscribed for 10 months!
icebryanchan
post Mar 23 2019, 03:44 PM

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QUOTE(MasBoleh! @ Mar 23 2019, 03:32 PM)
Cash call is quick cash? This one?
https://www.citibank.com.my/english/existin...-quick-cash.htm
Wait .. seriously? Now I don't even know what is this already sweat.gif seems like need to give bank a call.

The interest rate RM 50+ is crazy
*
That is how telemarketing works. They aim for people who dont listen carefully, or they dont say their purpose clearly until the very sentence "are you interested?"

And how they define your agreement? "Yes" "En" "Ah" "Hmm" all considered agreed to them. You have to say "No" clearly when you deal with telemarketing.

I can guarantee at least 50% of their (every bank) closed deal via telemarketing, the subscriber doesnt even know what they have subscribed to.

This post has been edited by icebryanchan: Mar 23 2019, 03:44 PM
MasBoleh!
post Mar 23 2019, 04:00 PM

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QUOTE(Kcee @ Mar 23 2019, 03:33 PM)
Wait... Seriously? U forgot that you agreed to such loan via phone call?
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Well, technically this account do not belong to me. I was been asked regarding to such thing on the statement.

QUOTE(fruitie @ Mar 23 2019, 03:36 PM)
010: 024 means you have paid 10 months and total is 24 months? Wow, you only realised now? sweat.gif
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So already paid RM 600+ in interest? :x The account not under my care.

QUOTE(David83 @ Mar 23 2019, 03:37 PM)
Based on the transaction description, he has subscribed for 10 months!
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That is a lot of interest rate been paid edi.

QUOTE(icebryanchan @ Mar 23 2019, 03:44 PM)
That is how telemarketing works. They aim for people who dont listen carefully, or they dont say their purpose clearly until the very sentence "are you interested?"

And how they define your agreement? "Yes" "En" "Ah" "Hmm" all considered agreed to them. You have to say "No" clearly when you deal with telemarketing.

I can guarantee at least 50% of their (every bank) closed deal via telemarketing, the subscriber doesnt even know what they have subscribed to.
*
So it is possible this loan was offer by telemarketers? Now I have to check on this already.

Every month RM 50+ interest rates for 24 months? walao wei... RM 1272+ interest
matrix88
post Mar 23 2019, 04:04 PM

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very funny oh, after taking cash from cc, where is the money?

you claim you dont know, but did you receive the cash? and did you use the money?
SUSDavid83
post Mar 23 2019, 04:08 PM

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QUOTE(matrix88 @ Mar 23 2019, 04:04 PM)
very funny oh, after taking cash from cc, where is the money?

you claim you dont know, but did you receive the cash? and did you use the money?
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I'm also wondering where the money went?
Should have an account to be the destination fund.
beLIEve
post Mar 23 2019, 05:49 PM

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I finally called to remove from their telemarketing after reading this + have had enough of insurance call from them

And yeah sometimes I can't hear all the words clearly, but normally end call with "not interested".

This post has been edited by beLIEve: Mar 23 2019, 05:51 PM
MasBoleh!
post Mar 23 2019, 11:04 PM

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QUOTE(David83 @ Mar 23 2019, 03:37 PM)
Based on the transaction description, he has subscribed for 10 months!
*
I traced back to last year June's transaction,

CTBDIALFOR CASH(001:024) 293.96
QUICKCASH INTEREST(EIR) 86.00

Seems like this is not those where I use CC to take money out from ATM aka fast cash.

But then i saw the total amount at the bottom of the statement under CITIBANK EASYPAY TRANSACTION SUMMARY

Is it a conversion of unpaid balance to this? Or is a form of loan? Something like personal loan.
QUOTE(beLIEve @ Mar 23 2019, 05:49 PM)
I finally called to remove from their telemarketing after reading this + have had enough of insurance call from them

And yeah sometimes I can't hear all the words clearly, but normally end call with "not interested".
*
What keyword you use to remove from their telemarketing?
SUSDavid83
post Mar 23 2019, 11:06 PM

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QUOTE(MasBoleh! @ Mar 23 2019, 11:04 PM)
I traced back to last year June's transaction,

CTBDIALFOR CASH(001:024) 293.96
QUICKCASH INTEREST(EIR) 86.00

Seems like this is not those where I use CC to take money out from ATM aka fast cash.

But then i saw the total amount at the bottom of the statement under CITIBANK EASYPAY TRANSACTION SUMMARY

Is it a conversion of unpaid balance to this? Or is a form of loan? Something like personal loan.

What keyword you use to remove from their telemarketing?
*
Yes. It could be a conversation into installment plan for your outstanding.
MasBoleh!
post Mar 23 2019, 11:08 PM

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QUOTE(David83 @ Mar 23 2019, 11:06 PM)
Yes. It could be a conversation into installment plan for your outstanding.
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i see. Thank you so much.
beLIEve
post Mar 24 2019, 12:46 AM

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QUOTE(MasBoleh! @ Mar 23 2019, 11:04 PM)
What keyword you use to remove from their telemarketing?
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Just say I want to be removed from their marketing calls. Then they gave me a list to choose from, and I chose the phone call. I'm ok with emails and SMS, because sometimes there are goodies in the SMS.
MasBoleh!
post Mar 24 2019, 12:55 AM

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QUOTE(beLIEve @ Mar 24 2019, 12:46 AM)
Just say I want to be removed from their marketing calls. Then they gave me a list to choose from, and I chose the phone call. I'm ok with emails and SMS, because sometimes there are goodies in the SMS.
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oh i see. noted.. thank you smile.gif
mylee181
post Mar 25 2019, 09:57 AM

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Anyone applied via CompareHeo for the iPad promo? Card received?
cckthechun
post Mar 25 2019, 10:22 AM

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QUOTE(mylee181 @ Mar 25 2019, 09:57 AM)
Anyone applied via CompareHeo for the iPad promo? Card received?
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yup, card received since last week
mylee181
post Mar 25 2019, 11:07 AM

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QUOTE(cckthechun @ Mar 25 2019, 10:22 AM)
yup, card received since last week
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that's fast, my friend haven't receive the card
mylee181
post Mar 25 2019, 11:15 AM

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snail mail citibank or Pos Malaysia, received sms since last week
sj0217
post Mar 25 2019, 12:12 PM

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QUOTE(mylee181 @ Mar 25 2019, 11:15 AM)
snail mail citibank or Pos Malaysia, received sms since last week
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Are you asking question ??

If yes, then it normal post, expect 5-7 working days
icebryanchan
post Mar 25 2019, 01:25 PM

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citibank has been bugging me to increase credit limit.

So I would like to know what is the disadvantage of increasing credit limit?

I know if my spending stays the same while my credit limit is high, my utilization percent is low, and my CTOS CCRIS score will be better.

Cant think of any bad side of increasing credit limit.
SUSDavid83
post Mar 25 2019, 01:28 PM

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QUOTE(icebryanchan @ Mar 25 2019, 01:25 PM)
citibank has been bugging me to increase credit limit.

So I would like to know what is the disadvantage of increasing credit limit?

I know if my spending stays the same while my credit limit is high, my utilization percent is low, and my CTOS CCRIS score will be better.

Cant think of any bad side of increasing credit limit.
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They call you or SMS you?
If SMS/email, just ignore!
mylee181
post Mar 25 2019, 02:00 PM

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QUOTE(sj0217 @ Mar 25 2019, 12:12 PM)
Are you asking question ??

If yes, then it normal post, expect 5-7 working days
*
thanks

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