actually, as long as u dun cut the credit card from citibank malaysia, u still can use it in US. just the exchange rate u have to watch out with
you still can transfer to pay for ur credit card from maybank etc...

use as normal, but have to watch out for the exchange rate... usually higher.

thanks for the info, yea the one time fee is quite low ..

Hi all .. just need advice on u guys.

I use my cc for average or mixed usage .. hence i dont apply those promotion type card. Just a basic Visa/Master.

1)Does it consider always 'less benefit' compare to promotion card such as 'shell card, mbb petronas, lady card, uob one n many many more'

2) I plan to have 3 main card. 2 for general usage (shopping,dining+petrol), 1 card for installment or expensive thing

Kinda hard to plan on my card. Need some advice or guide from sifu here

Certain banks do not allow you to login to your online banking from overseas. Not sure if this is the case with Citibank.

Should be OK for Citibank as I have accessed my CitiOnline banking system from overseas before.

I don't see why you can't login from overseas. It defeats the purpose of Internet banking right? Just my two cents.

Since thats the case, how about accessing my bank in US to pay - off the outstanding payment? Will that be possible?

As i cont my studies in the US, there are no1 in malaysia that are gonna pay for my outstanding payment.

why still bother to use Citibank Malaysia Credit card?

likes other mention, no point doing it as Bank is separate entity.

best is open an US account when u reach in USA, n use the ATM card there lo... i thinks their debit card is as good as credit card for USA domestic usage lo...

btw, 1 Questions, you just 21, n got no income, guess using supplementary card from parent, why u worry about ur bill?

Wao, how u know that im 21? Haha. Not really la, i've pause my studies for awhile due to some financial problem and i have work for about 1 1/2 yrs. Recently jz got my card by myself, so i was planning to use it there.

As in the US, we as students are entitled 2 get a credit card as well but credit limit as i know is just 300usd.

AMEX is one of the companies that offer credit card to student, even if they have no stable salary (just part-time). Citibank Singapore has one such credit card as well.


I tried to access my PBeBanking from my hotel room at Meritus Mandarin Hotel Singapore in Orchard Road many times but failed. Then a few days later i tried again at Changi Terminal 2 while waiting for my flight back to Kuala Lumpur and again wasn't successful.



This post has been edited by MilesAndMore: Nov 4 2008, 10:14 PM

Every1,

im just loving it. Carrefour Wangsa Maju have changed their terminal merchant to Maybank... and use their visa-wave, it's more faster than the previous bank and surprisingly, today so many people is lining up for payment than previous weekdays.

i thinks Maybank Super Rebates of 10% on Tuesday is very sucessful, while other days 5%.

When is the Maybank Carrefour rebate programme ends?

Hi Guys,

I got 1 noob question to ask.

My friends applied 2 credit card from RHB which is Travel Money and Plusone credit card.

Question is:

If she didn't activate the card, will there any annual fee to charge on her?

they will still charge if the card is not canceled.

nah, there is no such thing as in activation for credit card.... every credit card, when u receive, it was already activated, the account for ur credit card at the bank is also active, there is no options for u where to activate or not.....

Especially if you have applied for it. The rules is probably different if the bank sends you an unsolicited card that you did not apply.

If you said so that there is no activation on credit card, why the letter stated that the card holder need to activate the card before it can be used?

cause my fren heard alot of ppl say's that RHB credit card is damn sux and alots of problem. So she was worried that she might be victimise like those other card holder but as what i knw that she just received the card last week.

So how? Any advice that you'll guys can share to her?

OK ... if your friend has really applied for the card and now changed her mind then by all means cancel the card. (Got a sample cancellation letter in the 1st post of this thread) You need to send in a letter for the purpose as if I'm not mistaken RHB won't accept verbal cancellation.

Can you be more specific about the rumours about the problem ? Actually no card product is free from problems. If you are asking me about my personal experience with RHB cards ... I find the CS to be slow and unfriendly. Not something that I want to worry about as I use my card while travelling - I had a bad experience while I was overseas (Not RHB) due to unresponsive CS.

Foreign banks ? I had a bad experience with Citibank b4 and local banks as well. My advise is that different people have different needs when it comes to cc products - don't always listen to what people says. Experience it yourself and find that cc product which suits you best. Nothing is for permanent as CS levels/bank service qualities will change from time to time.

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Added on November 4, 2008, 11:47 pmWell I can help you to pay if you can trust me. At least I got chance to ask you to buy stuff for me in US.

This post has been edited by hye: Nov 4 2008, 11:50 PM

, how i know? ur nickname tell me lo..
300 usd not enough? not everything need to be pay in card kua... and also, you can not use ur Malaysian Mentality to spend in USA...

last time, i can survive with 10 pound per week in UK on food.

no idea, u go M2U check n see lo... click promotion n go to the last promotion.

why not? my Direct Access need to call Customer Service to activate!!! and i was cheated by her, saying my card is active in 1 hour time, whose know later after few hours i use my DA to swipe, but it's fail. so malu.......

n Citibank recently send me pre-approved card via normal also requires me to call in to activate it.

Thx vin_ann on the advice.