@Shinichi
You can no longer use your card but the bank will not be automatically be refunded to you. Nor will you earn any interest on the extra money that you in your credit card account.

My examples came from some else I know and even I myself kept on receiving the monthly statement from AEON credit card although I have canceled it between 1-2 years ago. It's the same scenario - cancel card but you have overpaid. The bank will keep that money until you ask for a refund.

BTW ... I think I sent a letter to AEON requesting them to refund that cash but for many months they have never replied to my mail. Re affirms my opinion that I would not ever want to apply for an AEON credit card ever again. It's the worst credit card that I've ever used, PERIOD.

What a bl***y pickle Citibank has gotten u into. Since u need to use a CC, stick with the Citi Plat for the moment but at first opportunity, bail out!

thtan,
I'm in your same position. I just don't want to spend the time, energy and stress level to request/negotiate/beg (whichever you want to call it) for the annual fee waiver. I'm moving all my cards and transactions to true free-for-life cards, except Amex. It's just a final time change to move my direct debit h/p, insurance, donations, etc.

@young_mane,
1) If the bank tells U ur annual will be waived provided 12 transactions are made, just make 12 transactions - it doesn't matter how much the value of the transactions are.

2) Yes U can alwiz convert retail purchases into instalment plans but the bank might charge u a fee - it's best if u checked details from ur bank

@vin_ann,
I absolutely cannot understand what Ur trying to tell me re Maybank (tinkerbel's opinion) ??? *blur*

@hye,
After that 'painful' experience with AEON, I'm quite sure Ur not even gonna bother asking for that refund esp after U decided to pay ur credit card bill again!

@jchong,
I probably could bail out of the Citi Plat - I suppose if I demanded they kept this Citi Plat account active whilst they processed the other card, they wouldn't say NO. Anyhow, I was really busy when Citibank called me yesterday and to keep matters simple, I told her I'll just keep this Citi Plat until point when they start charging me annual fees [muAHaHAhahAHahAHh] - she did tell me I could do that and they'll just revert back to the Clear Card then. Wrong move huh?

yes, 12 transactions are regardless amount. i have swipe my 6 ugly UOB MasterCard transaction at Jusco with RM3.

just make it simple. it's ur opinion Maybank have 0.5%. tht's all. i thinks ur previous post got mention. tht y i put ur opinion.

@hye
since u now free from AEON, why dont u try to chase back the extra money u paid at ur leisure time. no harm trying complain to them, and u can treaten them u will post in INTERNET. haha

citibank e statement..........sign up and get 500 point........


Q.after signup hav to pay any charge monthly or any other charge around?

browse thru their web but dint c anything regarding to charge

No charge at all.
no need to wrry.

thanks for info

cheers

u welcome.
btw i din aware of when they give me the points for entrol into Green e-statement....
time to check the details of points...

@vin_ann,
I never mentioned about MBB leh ! *knock ur head*

@bee993,
500 points onli so little. I rather let Citibank do more work by having to print my statement and sending it out to me by post *grins* but since I'm thinking of cancelling my card, perhaps I should just sign up so I could get that additional 500 points *grins*

@tinkerbel
my wrong then. i amend now.

500 points may not seems much for you, but it's many many points for people like us!

@tinkerbel

I thought I emphasized that Citibank overcharges for overseas transactions? You have cards from other banks right? If you have too much money, pls let me know I will gladly give you my bank account no.

This post has been edited by thtan: May 30 2008, 09:27 PM

That day I called MBB for annual fee waiver. My anniversary will be next month, so I decided to give them an early call.

They said that they only could waive if it has been charged into the statement.

Hmmm... seems like the only way is to pay the remaining CC debts through counter when cancelling the card. I did this when I cancelled by HLB CC few months back.

@vin_ann,
No worries at all

@thtan,
Er.. I'm doing a 'Kerja-Kerja' Malaysia When overseas, I use UOB as my primary card.

so fast want to waive ur MBB jor ar?

@vin_ann,
It's not too soon wat - next month fees due, call this month is quite right, isn't it?

Some bank need to call one month earlier if I'm not mistaken.

@David83,
If U do call and they waive it, then U won't see it on ur bill. If u don't, then U will need to make adjustments on the bill. And as some have mentioned, U will still need to pay that portion for it to be re-credited back to ur account *which I find weird*....

My experience with HSBC was I didn't even pay that and a call for waiver just reversed the charge.