hi , just a simple question here .
i have owned a public bank credit card ,
but i haven't use it since i received my card because i don wan to use it anymore
but also duno need to cancel or not because i'm not sure it is activated or not
will it charge for anual fee ?

thanks !!!!

That's the problem why I don't really want to apply for HSBC, StanChart, Citibank, etc. cards. I don't want to waste my time once every year to call (beg/threaten) them to waive the annual fees.

The current M'sia market is free for life credit cards with no condition.

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Added on May 6, 2008, 6:02 pmAnyway, I was at MV last weekend also and pass by there but didn't go in. On the way to pet shop...

The entrance looks empty though. Maybe it is catered for special category card users, unlike MBB Treatpoints fair which is like PC Fair... free for all.

Next MBB Treats Fair 31 July - 3 August @Mid Valley KL 

Well, they can go ahead and blacklist me. I have nothing to lose with them and I think they have nothing to lose without me as well. 

I don't like to call Citibank to waive annual fees. I repeat, I don't beg Citibank, in fact I cancelled their cards several times when they refused to waive the fees, yet they re-offer back to me after 6-12 mths. Then cancel again after 1-2 yrs... then offer back. 

Why do I need them to clear my name ??? For what reason ??? so I can beg and apply their card again ? Now I get fedup and just keep the card as spare. In fact, they send me a Shell Citibank CC and call me up to activate it... I told them no thanks and cut the card.

Things I don't like about Citibank CC:
1) Limited branches to pay in KL
2) Cannot pay online like Maybank2u (obviously I'm just a small chick-pea that doesn't warrant a savings/current a/c in Citibank)
3) Amex is offering 2x points forever. The rest 1x only, except promotion period or rebate.
4) International recognition ? BAH!... So far I did not encounter any problem using MBB outside M'sia.

I don't have problem using MBB Amex in Asia and Europe. I'm not here to champion MBB or Amex, but I think it is personal preference on which card suits a person lifestyle better.

Haha,where got such thing.Blacklist because you cancel credit card?   maybe own bank record yes la

how to pay citibank bill at melaka?

plz help

thanks

No worries    I do check CCRIS myself at Bank Negara (BNM) once every 1-2 years. All clear. It's free and I'm a bit scared about ppl misusing my name/ID to apply loans/etc.

Basically, a bank (any bank, not just Citibank) cannot simply blacklist a person in CCRIS. There must be sufficient proof/reason. I have lodge a complain with BNM before and created a big hoo-haa , yet they still offer me bank loan when I applied. It's not a local bank, some of you might have read it before in other threads 

Bottomline, I don't see the threat from Citibank like you mentioned. 

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Added on May 7, 2008, 12:23 pm

If it is a company card, there won't be any points for you. The reason is the company negotiate direct with CC provider for a special discount/rebate on amount used, on bulk employees.

Same like petrol Fleetcards. You don't get any Mesra, Smiles, Bonuslink, etc. points.

That's why it is may be better to use own card to swipe and claim later, but you must have sufficient float to make full payment every month before claim approved.    However, this is subject to company policy.