@Syd G,
I believe those telemarketers aren't part of Citi's payroll

@Syd G,
Actually, I think the bank makes a certain percentage of commission; the winner is probably still the insurance co ?

Anyhow, I somehow think i'd been 'delisted' cause for the so many years they been trying, I just decline

@kapitan,
If it's a free upgrade, take onli lah unless U want to keep that existing card. Like me, I wanted to keep my existing Citibank Clear Card hence decline every other upgrade they offer

Except this card is no longer giving me as much benefits as it used to! *geram*

This post has been edited by tinkerbel: Jun 26 2008, 01:06 PM

I can never understand these 'Kutu' cycles As far as I'm concern, it's not good

@Syd G,
U could alwiz pay up at the end of the month when Ur bill comes so U don't need to pay interest

@iluvena,
U haf this 'kutu' thing going on and yet ur owing banks a lot of $? Now, aren't U in a lot of financial debt?!

@iluvena,
Instead of coming up with all these ingenious ways of getting $, Y don't U start paying ur bills up in full otherwise ur going to be in lots of debt trouble!

@Syd G,
If ur a low income earner then U should spend according to what U can afford. Y go buy a RM200 dress when U can't afford it?! Y spend RM200k on a wedding when u can only afford RM20k?

As "decent" as it is, I still think it shouldn't be encouraged.

@Syd G,
Just cause we aren't in as bad a situation as our US counterparts doesn't mean we should be following their footsteps. The thing about people is that we just don't know how to learn from other people's mistake !

If siggie doesn't match then the cheque will get bounced. It'll be consistent when U start signing

@jeff_ckf,
I haf friends like that too and frankly I have more respect for these people than those with credits cards + lots of debts

@ppfoong,
This has oredi been discussed @ Credit Card Thread. If U read their T&Cs, this card is onli applicable to NEW applicants; ie. existing Citibank credit cardholders aren't allowed to take advantage of this promotion.

@cody99,
I ain't sure except I don't think U'll need to wait a year before U can apply. But what's the point of cancelling ur current card just cause U want this card? Are the benefits that good?

@flamer,
I issue a cheque and send it through Pos Msia to Citibank; thus far no problems and I've been doing that since Year 2000.

@vin_ann,
I'm surprised my Citibank statement states 18%; it should read 15% - thought it was perhaps because it's the first month they're implementing it hence interest rates are same for all.

Do U use Citibank? Can someone check what the interest rate is as stated on the Statement?

@vin_ann,
I suppose Citibank starts it from scratch? I should go check it out and perhaps call the CS for more information - i thought it should reflect 15% *grins*

@Syd G,
The Choice card is not worth it cause if U don't use the card at least twice a month U'll be charge a monthly fee.

@Syd G,
These doesn't seem to be v difficult choices to make. What about the UOB ONE (Platinum) card? I hear it's a cash rebate card too.

@vin_ann,
Important thing is U pay up the entire sum, right?! I still want to know Y Citibank started it off @ 18% and not 15% since the last 6 months I been prompt and have paid in full.

@jeff_ckf,
It's not about consumer rights, it's not about whether i'm going to be "enjoying" such benefits. It's all about principles. I'm going to go call them when I get back to the office after this morning's meeting before my afternoon meet

At least I get to TRY out their Platinum Priority line

@jeff_ckf,
Me?! Show off?! I'm not the one who plastered 4 Platinum cards

@vin_ann,
Citibank tells me it's because I made a late payment in the month of Jan. I am arguing with them to tell them it's not possible and told them to check. How on earth could I have made a late payment and not know about it ! *argh*

@ericpires,
That question has been posed too many times. There is NO best credit card; it's always a matter of preference and objective.

@vin_ann,
Yeah I don't remember any late payment and if I did, I definitely wasn't aware till NOW!!! Anyhow, I told Citibank to check it out. Doubt they can do anything but well, it's not going to affect me I guess since I make all payment in time

@danlhct,
Is that applicable for all accounts throughout Citibank?

@dr2k3,
If the bank is just next door then walk over otherwise yeah that RM2 might be worth the payment.

@jeff_ckf,
Citibank is suppose to get an Officer to revert back to me; it would take them 2 working days [I did ask Y it would take 2 working days to answer something they can answer on the spot and all i got was an apologetic sorry] so I guess we'll just haf to wait and see what they say.

@TeraPox,
Y? U suddenli terasa?!

@David83,
MBB Amex Credit Card has a 2 year annual waiver now whilst the MBB Amex Charge card gets 1 year annual waiver. It is not applicable to the Platinum category.