Welcome Guest ( Log In | Register )

Bump Topic Topic Closed RSS Feed

Outline · [ Standard ] · Linear+

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

views
     
OKLY
post Aug 26 2015, 11:59 AM

The Penguin Vader
Group Icon
Staff
12,089 posts

Joined: Dec 2004
From: Malaysia
QUOTE(sms2u @ Aug 20 2015, 09:15 AM)
Is the high credit limit given to a credit card is good?

If u really need to spend so much, then it is good to have high credit limit.

Otherwise, it will have fault case with higher amount if lost th card.
Also, it will reflect in criss and ctos? No sure high credit limit is good to build credit rating?
*
QUOTE(cdspins @ Aug 20 2015, 09:41 AM)
First time heard that credit rating is up by having high credit limit credit card... hmm... isn't credit rating depends on bank?
*
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. hmm.gif
OKLY
post Sep 2 2015, 11:23 AM

The Penguin Vader
Group Icon
Staff
12,089 posts

Joined: Dec 2004
From: Malaysia
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?
OKLY
post Oct 9 2015, 09:26 PM

The Penguin Vader
Group Icon
Staff
12,089 posts

Joined: Dec 2004
From: Malaysia
Anyone knows if there is any penalty for full/early settlement of 0% installment (aka Citibank Easy Pay?

I know for the FlexiPayment (where we convert transactions to installment with interest) there will be a penalty but what about those 0% installment directly from merchants?

https://www.citibank.com.my/english/existin...talmentPlanARAI
OKLY
post Nov 11 2015, 08:46 AM

The Penguin Vader
Group Icon
Staff
12,089 posts

Joined: Dec 2004
From: Malaysia
Anyone knows when Citibank updates payment into our account? Example I did an instant interbank transfer yesterday at 7pm to my Citibank card but it is still not being reflected in my account.
OKLY
post Jun 6 2017, 02:05 PM

The Penguin Vader
Group Icon
Staff
12,089 posts

Joined: Dec 2004
From: Malaysia
Anyone has issue converting purchases to FlexiPayment today via Citibank Online/App? It keeps telling me card not eligible, never had issues before. hmm.gif
OKLY
post Jun 20 2017, 10:07 PM

The Penguin Vader
Group Icon
Staff
12,089 posts

Joined: Dec 2004
From: Malaysia
QUOTE(rhodon @ Jun 20 2017, 01:36 PM)
Anyone getting this?
*
QUOTE(saitong09 @ Jun 20 2017, 06:55 PM)
Wondering if you don't decline..
*
It should be the other way round where customers reply if they would like to take up the offer. People often discard SMS like this and might end up taking it without even knowing.
OKLY
post Jul 5 2017, 11:43 PM

The Penguin Vader
Group Icon
Staff
12,089 posts

Joined: Dec 2004
From: Malaysia
Can anyone try going to Click for Cash and FlexiPayment at the website or mobile app and see if you have the same error? The error says card is not eligible for it.

Not sure what's the issue, could it be because I'm using a card that is no longer available/offered by them? Never had issues before.

Attached Image

Attached Image

This post has been edited by OKLY: Jul 6 2017, 12:05 AM
OKLY
post Jul 6 2017, 09:12 PM

The Penguin Vader
Group Icon
Staff
12,089 posts

Joined: Dec 2004
From: Malaysia
QUOTE(OKLY @ Jul 5 2017, 11:43 PM)
Can anyone try going to Click for Cash and FlexiPayment at the website or mobile app and see if you have the same error? The error says card is not eligible for it.

Not sure what's the issue, could it be because I'm using a card that is no longer available/offered by them? Never had issues before.

Attached Image

Attached Image
*
Called CS earlier and was told that once given credit increase, card holder cannot apply for any cash advance or FlexiPayment conversion for 3 months and it is a bank requirement.
OKLY
post Jul 6 2017, 11:39 PM

The Penguin Vader
Group Icon
Staff
12,089 posts

Joined: Dec 2004
From: Malaysia
QUOTE(rip_code @ Jul 6 2017, 09:56 PM)
Same issue here. But did not request any credit increase blink.gif
*
I remember the issue happened before my credit limit increase but I'll wait for 3 months and see what happens.

Which Citibank card are you holding?
OKLY
post Jul 7 2017, 09:37 AM

The Penguin Vader
Group Icon
Staff
12,089 posts

Joined: Dec 2004
From: Malaysia
QUOTE(fly126 @ Jul 6 2017, 11:57 PM)
Same issues here, I signup for Cash Installment Plan recently jz checked my Card Installment Limit left 600 bucks only, However Received  this email about  will giving NEW spending Limit soon, sesiapa got this kind of email before ? Sometime I got this once or twice a year... hmm.gif

user posted image
user posted image
user posted image

http://www.citibank.com.my/global_docs/edm...=EMOWDMYCEUENT1

*BTW, I got Rewards Plat. & CB Plat.
*
The email I got is slightly different.

Attached Image

There's a link in the email to be clicked if want to accept the new credit limit.
OKLY
post Jul 7 2017, 01:39 PM

The Penguin Vader
Group Icon
Staff
12,089 posts

Joined: Dec 2004
From: Malaysia
QUOTE(rip_code @ Jul 7 2017, 09:46 AM)
Using CB here..seems like everyone also same issue..
*
No credit limit increase recently?
OKLY
post Aug 10 2017, 06:54 PM

The Penguin Vader
Group Icon
Staff
12,089 posts

Joined: Dec 2004
From: Malaysia
Just received the 20" Condotti luggage bag today for updating income with Citibank few months back.
OKLY
post Aug 10 2017, 07:02 PM

The Penguin Vader
Group Icon
Staff
12,089 posts

Joined: Dec 2004
From: Malaysia
QUOTE(moonsatelite @ Aug 10 2017, 06:55 PM)
Did they increase your credit limit as well?
*
Not sure whether it's from the updated income or just their offer but I did receive an SMS asking me to reply if I accept the credit limit increase.
OKLY
post Aug 20 2017, 04:56 PM

The Penguin Vader
Group Icon
Staff
12,089 posts

Joined: Dec 2004
From: Malaysia
Just noticed my statement date is different this month. It was always on the 5th but this month it's on the 6th. Anyone's statement was changed without any notice as well?
OKLY
post Aug 20 2017, 09:11 PM

The Penguin Vader
Group Icon
Staff
12,089 posts

Joined: Dec 2004
From: Malaysia
QUOTE(adele123 @ Aug 20 2017, 08:45 PM)
Citibank is a bit funny in this aspect. Occasionally I will have my statement date 1 day later. I remember those occasions have something to do with public hols in the month either around the statement date or due date.

But it really doesn't affect you much. Even if you have a transaction posted on the 6th, it actually will only reflect on the next statement. There is no downside for you. Your due date will be extended another day, which is 20 days from 6th.

Occasionally, the due date may be more than 20 days after statement date. I have 22 this month, I think.
*
I'll see if it will be back to 5th for my next statement. If it remains 6th permanently, yes I agree it doesn't affect much but customer should always be informed of any changes.
OKLY
post Oct 16 2018, 01:29 PM

The Penguin Vader
Group Icon
Staff
12,089 posts

Joined: Dec 2004
From: Malaysia
Is there really a need to wait for an officer to call back within a few working days to use reward points to offset annual fee? I find this really inconvenient.
OKLY
post Jul 7 2019, 08:52 PM

The Penguin Vader
Group Icon
Staff
12,089 posts

Joined: Dec 2004
From: Malaysia
Can someone try check if you get the same error message when going to Quick Cash under Card Services?

I was told by customer service that it will only be activated when there's a promo. hmm.gif

Attached Image
OKLY
post Mar 27 2020, 08:59 PM

The Penguin Vader
Group Icon
Staff
12,089 posts

Joined: Dec 2004
From: Malaysia
QUOTE(btan @ Mar 27 2020, 09:25 AM)
citibank any offer for cash with low interest?

i heard RHB 0% cash lite for 6 months
*
Not sure if it's just me but for the past few months, the offers Citibank have been giving me were all above 6% p.a.
OKLY
post Mar 28 2020, 10:45 AM

The Penguin Vader
Group Icon
Staff
12,089 posts

Joined: Dec 2004
From: Malaysia
QUOTE(alandhw @ Mar 27 2020, 11:38 PM)
OMG!! today just notice the change
*
QUOTE(coolguy99 @ Mar 28 2020, 09:29 AM)
Yeah it is probably too late now. I didn't notice until saw someone posted in this forum.
*
Who knows maybe there are many others who are unaware of the change.
OKLY
post Mar 30 2020, 10:50 AM

The Penguin Vader
Group Icon
Staff
12,089 posts

Joined: Dec 2004
From: Malaysia
QUOTE(ziteng @ Mar 29 2020, 06:28 PM)
oh dang,
i whacked rm800 on 23/3 that weekend.

how come citi diam diam change the t&c  rclxms.gif
*
I don't know if you received any SMS but there was an SMS with #StayHome in it where they mentioned just spend RM800 and get RM80 cashback. The T&C link is the same www.citi.asia/wkend so it's already indicating a change in mechanism.

This post has been edited by OKLY: Mar 30 2020, 10:52 AM
« Next Oldest · Credit Cards, Debit Cards, Prepaid Cards and Loyalty Cards · Next Newest »
 

2 Pages  1 2 >Top
Topic ClosedOptions
 

Change to:
| Lo-Fi Version
 0.3595sec    0.36    7 queries    GZIP Disabled
Time is now: 8th December 2025 - 09:32 PM
All Rights Reserved © 2002- 2025 Vijandren Ramadass (~unite against racism~)
Removal Request
Powered by Invision Power Board © 2025  IPS, Inc.