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

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aromachong
post Apr 18 2016, 06:59 PM

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QUOTE(sevenegg @ Apr 18 2016, 06:39 PM)
not bad la. just that dunno which one more worth it? that luggage bag, car dvr or 3xxxx citi rewards point (in that sms saying that if I don't want car dvr anymore, they can compensate with citi reward points). thumbup.gif
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luggage bag or points

This post has been edited by aromachong: Apr 18 2016, 07:00 PM
aromachong
post Apr 19 2016, 12:16 PM

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QUOTE(kelvinlzy @ Apr 19 2016, 12:11 PM)
Other banks like HSBC took even longer for your to receive the free gifts. This is considered fast.
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scb need 150 days to deliver luggage bag .. lagi facepalm bangwall.gif

so nothing to worry as long as the gifts are FREE flex.gif
aromachong
post Apr 20 2016, 08:15 AM

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QUOTE(pearl_eye @ Apr 19 2016, 11:34 PM)
I called yesterday for my waiver, they only offer me 50% off. Will call again and ask for full waiver.  mad.gif  mad.gif  mad.gif
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this bank is usually stingy to waive their AF

but surprisingly mine waived without a single question asked.

I guess it's based on the system analyze
aromachong
post Apr 20 2016, 02:40 PM

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QUOTE(pearl_eye @ Apr 20 2016, 02:26 PM)
may i know when is your anniversary? For me this is the first time they did not fully waive for me. Normally everytime I call for waiver, it is automatically put up for request and granted (There was 1 year I forgot to call for waiver but that one is my fault). But this time they transferred me to "Waiver Department" and then said only can waive 50%. I am using Clear card and use it as my main card to charge for my spending.
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If you do not have any outstanding balances, i'd suggest you to terminate the card

After you terminate it .. who knows some retention department will call u to waive the AF and persuade u to use their card
aromachong
post Apr 20 2016, 04:00 PM

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QUOTE(pearl_eye @ Apr 20 2016, 03:59 PM)
No outstanding balance but I do have 1 installment for another 13 months. Need to clear that up before I can cancel. Maybe I will just call again to harass them and see if I am lucky.
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Best for you to clear it then u can bargain with them.

else bank see you have installment with them then they wont entertain u mostly..
aromachong
post Apr 22 2016, 07:14 PM

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QUOTE(asiatrader98 @ Apr 22 2016, 02:51 PM)
anyone here have the citibank ready credit ?
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i have

why?
aromachong
post Apr 23 2016, 05:48 PM

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QUOTE(asiatrader98 @ Apr 23 2016, 04:42 PM)
i have the flexi home loan with them
don't think this ready credit is better than flexi home loan in terms of rate
i didnt use it more than 1 year
but after i accepted this ready credit from their telemarketing
all my new credit card application was rejected and
before that no problem with all my new credit card application

will this affect my credit rating hmm.gif  i wonder
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i dont think so it will but will definitely affect your DSR

ready credit is like OD
aromachong
post Apr 25 2016, 12:33 PM

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QUOTE(asiatrader98 @ Apr 25 2016, 11:43 AM)
yeah
citibank offer me credit card then later reject it the reason is: the bank has no credit limit for me
thinking to cancel it since i didn't utilize it 1 yr ady
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huh? they offer you but without credit limit? that's really weird
aromachong
post May 23 2016, 05:12 PM

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QUOTE(Carlo J @ May 23 2016, 04:24 PM)
For temp, I used their website but the message "We are unable to process your request at the moment" keep appearing every time. I tried since last week.

Yeah, I downloaded the form for permanent increase.
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I guess there is some substance of errs / fallacious utterance by him

Not everyone able to "DIY" as the temp limit increase is decided by credit card risk assessment team and will update from time to time.

This post has been edited by aromachong: May 23 2016, 05:12 PM
aromachong
post May 24 2016, 11:02 PM

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QUOTE(cheahcw2003 @ May 24 2016, 10:54 PM)
Citibank seems losing a lot of customers lately.
Anyone know are they still the biggest credit card issuer in the country?
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What makes you think they care?
aromachong
post May 24 2016, 11:09 PM

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QUOTE(cheahcw2003 @ May 24 2016, 11:06 PM)
because their sales team stlll actively blocking the shoppers in the mall, pushing the cards.
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thats their marketing team... their marketing staffs need commission to survive because their basic salary kinda low

every banks hav their own marketing team actively promote specific product.. we have rhb.. hsbc ... hlb... mbb... aeon..

by not discounting annual fee waiver to most of their customers, i forsee they don't even care

This post has been edited by aromachong: May 24 2016, 11:09 PM
aromachong
post May 25 2016, 08:02 AM

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QUOTE(cheahcw2003 @ May 24 2016, 11:16 PM)
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.
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just terminate it ... many members here already terminated useless card long time ago
aromachong
post Jun 7 2016, 10:53 AM

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QUOTE(MGM @ Jun 7 2016, 10:39 AM)
U better dont activate your card b4 u receive it? U will in trouble if it is intercepted by fraudster.
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yes better don't activate it

saw my uncle's cc from public bank delivered by poslaju ... guess my uncle not notice it for 1 month cause he got another house... till i told him the time i went to visit my grandma..

if someone use it.. obviously u cant swipe anything till the owner activate it himself .. so steps of precaution is always better
aromachong
post Jul 9 2016, 07:16 PM

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QUOTE(ronnie @ Jul 9 2016, 05:53 PM)
Hahahaha... of course it won't be as good doh.gif doh.gif doh.gif even if I don't own any
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better to get luggage / smart tag
aromachong
post Jul 11 2016, 09:48 PM

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QUOTE(alfredfx @ Jul 11 2016, 09:02 PM)
my citibank premier miles charged me RM 600 + GST RM 36 ... and give me 10,000 miles. They refused to waive it saying this is the bank direction and to waive it i need 30,000 points.

Any suggestion ?
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terminate the card.. hoping the retention team will call you and agree to waive
aromachong
post Jul 28 2016, 01:04 PM

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QUOTE(xxx306 @ Jul 27 2016, 09:06 PM)
Anyone has tried temporary increase credit limit using the app or by phone call? Is it immediately increase or need to wait for approval?
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it's immediate
aromachong
post Aug 18 2016, 09:36 AM

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QUOTE(bbtat @ Aug 18 2016, 12:05 AM)
Thank u !
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better get luggage imo.. but if u have many try for other gifts
aromachong
post Aug 19 2016, 11:16 AM

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QUOTE(saitong09 @ Aug 19 2016, 10:16 AM)
I received 2 unit of Condotti luggage from citibank last year,  looks nice but quality not that premium type.
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same here, don't know it's my feel or not

anyway it's FOC so nothing to complain lol. i just pass em to my sister
aromachong
post Aug 19 2016, 12:42 PM

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QUOTE(saitong09 @ Aug 19 2016, 12:37 PM)
lol if you have the chance to choose between air fryer and 1 unit of 20" Condotti luggage,  which 1 you prefer?
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if that was before i will go for luggage

if it happens now perhaps fryer
aromachong
post Aug 19 2016, 09:25 PM

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QUOTE(saitong09 @ Aug 19 2016, 07:03 PM)
I did called Citibank, not all Citibank card ready for Paywave. 1 of the card is Citibank Cashback Platinum not ready yet innocent.gif
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weird why not the banks get all PayWave for all cc? confused.gif

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