hey all,

previously I used Citibank Celcom card and now they have discontinued the card. So I've to settle all my outstanding.

I've made  a call to their customer service and talked about this, initially she said that I can still continue paying monthly. but then, a week later, I got a called from Citibank saying that I have to settle all of my outstanding. Imagine that.. initially my outstanding is only 3.7k.. but since i didnt pay full amount, now my outstanding becoming double!!!!

I am thinking of applying for personal loan. I wonder if i can apply to citibank personal loan : 10k and deduct all my outstandings with them. i would like to have a repayment period about 3 years.

alternatively, what do u recommend?

my basic salary is 3.2k (excluding OT and other allowances)

thanks.