I've no idea if she's still with Citibank; that was about 8 years ago. And well, I don't know if she was near but heck she actually did come to the house just for a signature!

@cute_boboi,
For the sake of discussion, I will tell them I'm not interested in the gold card but would like to request for an increase in credit limit on my current one when they call asking me to activate the upgraded Gold card.

I don't quite believe in all these temporary credit increase cause there was once I tried calling them asking them for a temporary increase in credit limit and it was rejected. I was going for a surgery and needed to swipe the remainder of the RM4k but they declined my request. I used UOB instead

@scoobie27,
I usually make my payment through a cheque and send it by mail so it doesn't matter how many outlets or where their branches are

@MilesAndMore,
I don't pay extra when I use cheque to make payment for my Citibank credit cards but I am based in KL.

On a separate note I finally opened the upgraded Gold card Citibank sent to me. I'm ashamed! Perhaps embarassed! They offer me an upgrade of my current card with a nice letter that says "For a start, u'll enjoy up to 50% increase in your credit limit". When I open up the envelope I see the total combined credit limit given on this Gold Card is RM7k [I get RM12,800 on my current Clear card]

It sure looks like it's time to cancel my Citibank credit cards. I'm so humiliated!!

This post has been edited by tinkerbel: May 22 2008, 09:32 PM

I've got to check about the administration cost re using the Credit Card out of MY. Folks been travelling a lot and I been swiping quite a bit so I might as well use the one that gives me the best rates. So far, I've been using UOB and the rates seem to be quite alright

@cute_boboi,
I don't remember how much additional credit limit was offered on the Shell Citibank upgrade card they sent to me; i'm not interested in switching but trust me; if they do call me and ask me about not activating this Gold card they're going to regret it!

@cute_boboi,
I'm gonna have to call Citibank tomorrow as there seem to be a discrepancy on my bill; it's a v small amount [my phone call probably cost me more! hAHahAHahAHa RM0.54 BUT i need to know what charge that is!]

Ain't going to being up the upgrade of card until some officer call me. Let's hope she calls when I'm in a bad mood and when I've time to speak with her. And let's see what she says about giving me a reduced credit limit when her letter tells me it's an increase in credit limit.

I think I'll let her tell me Y i should upgrade the card; due to increase in credit limit of 50% and bla bla bla and then onli I shoot her in the face !

@hye,
Come to think of it, instead of waiting for bank officer to call me, I should send an official letter to them. In fact, I'll attention it to a Vipin Agrawal, Business Director, Cards & Personal Loans and await a response.

It'll be fun to see what their reply is.

@zenquix,
I just checked - there were no admin charges on the stuff I paid for when I was in HK. I used UOB & Citibank.

Just an update - I called Citibank to ask about the RM0.54 Finance Charge and apparently it's because I was owing them $. Officer on the phone tells me my bill last month was supposed to be $3400 but I had only paid $3300 hence the RM0.54 charges.

I told her I didn't know my bill was $3400 as it reflected $3300 on my total bill hence I issued a cheque for $3300. She apologised and reversed the charges. I also asked for the Business Director's contact details but she was unable to furnish that to me, instead told me to fax to this correspondence number [of which I told her I didn't trust cause I've faxed it over previously and never received a reply].

Anyhow, got called for a lunch meeting so I haven't gotten down to writing the letter but seriously, now that I've vented it out here, I feel much better. Doesn't it seem too petty to be sending Citibank a letter just cause of the Gold card CL? *grins*

@zenquix,
I actually forgot to ask the CitiPhone officer about this when I called them earlier *gulps* I've to call DA so will check with them but I think it was reported here there are no additional charges on DA.

I'll get back when I've spoken with Citibank, UOB and DA

---

Added on May 23, 2008, 5:26 pm@zenquix,

I just spoke with the banks and Ur right - there IS an additional surcharge which Mastercard / Visa charges over and above the exchange rate [that's basically the 'administrative charge' the banks charge to us].

In addition to ur list:-
1) HSBC will also charge a Misc fee; bank isn't able to provide details on what that is but according to CS whom I spoke with, there's a small misc fee

Looks like I should stick with UOB! Oh.. DA CS pissed me off so I didn't bother to ask.

@vin_ann,
It'll be great if U could put this information on Post #1 for easy reference

This post has been edited by tinkerbel: May 23 2008, 05:34 PM

@MilesAndMore,
I don't know if Premier Mastercard holders are waived the 1% cause when I called CS just now, I asked if the 1% is applicable to all cards and she said Yes. I'd forgot to ask her about the Premier Mastercard! Damn.. Now I need to get that verified again *gulps* Unless of course ur 100% sure

This post has been edited by tinkerbel: May 23 2008, 05:55 PM

@vin_ann,
If U oredi got that information verified then just add it to the list but I think zenquix oredi listed DA in

I just need MilesAndMore to verify on the HSBC Mastercard Premier so I know which cards I can use *grins*

@MilesAndMore,
Yes the Premier Mastercard HSBC offers is apparently a grade above their Platinum cards. I'll check and verify if the 1% is applicable on this Premier Mastercard and get back to all

@yewkhuay,
Let me know cause I probably am going to shift bank and want a bank that gives me the greatest value on points

@labtec,
If the bank approves the transaction it'll probably be fine. I don't know about other banks but Citibank charges a fee for transactions above stipulated credit limit. RM25 I think.

@vin_ann,
$ resolves a lot of issues It's also part of Marketing

This post has been edited by tinkerbel: May 24 2008, 12:11 AM

@yewkhuay,
Just look at how u keep ur stuff; 8 months oredi torn... u big buwee / abuser... And U expect people to believe that it was *I* who threatened U?!

@DDSFan8,
Ah.. I see. In that case, I don't suppose there's a problem if the bank esp if the bank allowed the transaction. U perhaps should call the bank and ask for a temporary increase in credit limit to be 100% sure

@moonstone13,
You can alwiz check out Direct Access' Credit Card for Graduates. U should be able to get more information on the card here

@IceBikers,
You might want to try:
Direct Access
P.O. Box 11751
50756 Kuala Lumpur

t: 603 - 6204 7878
directaccess@cimb.com

G.. U people are so quick! I was typing and when I posted, I saw I was late ! *gulps*

This post has been edited by tinkerbel: May 24 2008, 09:15 PM

@moonstone13,
I don't think housewives would qualify as principal cardholder unless the card's a complementary one

@hye,
I doubt the banks have personnels on forums to read up on their bad/good CS. On a separate note, I sent out the letter to Citibank - I also pointed out the issue I had with corresponding with them and not hearing from them [I highlighted a case of which I sent in a letter 7 years ago asking for an explanation when my request for a temporary increase in credit limit was rejected; of which I have yet to receive a reply till now]. I ended my letter telling them I hope I didn't have to wait 7 years for a reply.

Most importantly, I said not to take my 2 page letter as a complain, instead feedback!

Anyone think they'll respond? I'm quite sceptical but never try never know.

This post has been edited by tinkerbel: May 25 2008, 12:17 AM

@HMMaster,
It used to be possible but I usually put in full tank so I ain't 100% sure. The other option is for U to let the attendant know U want to pay a fixed amount so he could key that in for u