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Citibank mmg agak susah nak increase limit....tp kalau payment lawa....constantly guna kad kredit without ada gap yg panjang ( tak guna cc pd satu tempoh yg lama )....so biasanya depa ni takder masalah nak increase LOC...cuma...ye lah....customer cc Citibank ni kan yg plaing ramai kat Malaysia ni....hehehehe |
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81# medangmru
oo, ye ke citibank adelah base credit card paling ramai kat malaysia?ingatkan maybank...hehe |
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Kalau x silap aku la Yus....Citibank plg ramai... |
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aku pernah pakai ctbank ni. Tp masa dpt free 3 tahun je. Pas dah kena byr yuran tahunan aku terminate.
Pada aku, CTbank ni bagus. Masa kad aku kena klon, mereka siap tepon aku bagitau dan nasihatkan aku nak buat mcmmana, padahal, statement tak sampai lg pun.
Kalau ada apa2, kita call senang je jawab, pastu terus je settle masalah tu. Nak redeem pun senang, tak payah isi2 borang, tepon je dan tak lama pastu brg pun sampai. Kalau bank lain, kena fax atau pos borang, pastu berminggu2 baru sampai barang.
Yg tak bestnya, nak byr agak jauh. Aku terminate sbb mereka tak nak bg free yuran, kalau tak aku rasa aku masih pakai lg. |
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pelik jugak dlm kes ko ni bayu...aku dah dgn Ctbank dah lama...selalunya derang akan waive Annual fee tu...tp dgn syarat...kene tgulis surat la.... |
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pelik jugak dlm kes ko ni bayu...aku dah dgn Ctbank dah lama...selalunya derang akan waive Annual fee tu...tp dgn syarat...kene tgulis surat la....
medangmru Post at 19-8-2009 19:38 
entah lah, aku pun tak kuasa nak tulis2 surat, malas nak merayu2... he he he...
Sebab banyak lg kad lain aku senang2 dapat, free for life pulak tu... |
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Citibank mmg agak susah nak increase limit....tp kalau payment lawa....constantly guna kad kredit without ada gap yg panjang ( tak guna cc pd satu tempoh yg lama )....so biasanya depa ni takder masala ...
medangmru Post at 18-8-2009 02:32 PM 
betul, kalo bayo cantik..kejap dtg surat, diorg increase limit..increase lagi...increase lagi...giler ke hape?  |
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hahahahha...tul tu MrsJohn....sampaim kdg2 tu...terpaksa kita call derang..takpun tulis surat supaya stop kan dr selalu dpt increase LOC tu... |
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nak tanye...
ade sape2 ade experience...ctbank anto surat cakap akan terminate cc based on certain reports & suh bayo full settlement...
my friend ni terkujat le, die bayo monthly ok le (katanye, tp die bayo min je tiap2 bulan)....
It never happen to me, so I tak tau ape nak advise, selain advised him to call ctbank officer.....
my Q, bleh ke ctbank buat gini? kalo die nak full settelment, nak suh my friend gi mane for help? I mean dr segi undang2 le...Legally, he is paying what he is suppose to pay...
anyone?
pelikkan...ni 1st time i dengar mende gini, seriau pulak dgn ctbank...
suke2 hati mak bapak diorg jer.... |
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tak pernah lg ada experience camni...so better check dgn CSO Ctbank..mesti ada sebab dan musababnya... |
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nak tanye...
ade sape2 ade experience...ctbank anto surat cakap akan terminate cc based on certain reports & suh bayo full settlement...
my friend ni terkujat le, die bayo monthly ok le (katanye, ...
MrsJohn Post at 5-9-2009 17:50 
my hubby tiap bulan byr min jer...smp skg takde masalah pun.. dah dekat 7 tahun pakai..dari classic..naik ke gold..limit pun dorang naikkan automatik.. maybe..ada la sebab musabah tu..cuba call customer service..
hingga kini..hubby lina puas hati la guna perkhidmatan cc citibank ni... lina tak de cc..mmg nak elakkan pun...tak mo berhutang... |
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let me update...
my friend called...die ckp ctbank monitor payment die selama 24mths...Die dah pegang kad Ct for almost 10 years....
According to him, many months terlambat bayar, bayar laks min...so, from there ctbank buat decision to terminate his cards. Lepas discuss dgn CBO, diorg buat full term loan for 3 yrs....err..rate I tak tau le pulak...
kire ok le...kan?settle....
pengajaran utk kite gaks ni..... |
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hmmmmmmm...no wonder la kalau ctbank wat camtu....tp aku rs bukan setakat lambat bayar dan bayar minimum....
lebih teruk kalau langsung x bayar pd bulan tu....bukan sekadra lambat bayar.....bayar min plak takder masalah langsung kalau tepat pd waktunya tetiap bulan.... |
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Kena ingat gak skrg ni kalo just bayar minimum saja or tak buat full payment, every new transaction tu pun akan kena interest. Kalo dulu2 new transaction tak kena interest lagi, just balance from last month punye bill yg kita blom bayar. New rule since last year June ke bila ntah..tapi aku pun baru tahu few months ago huhu |
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pasal terminate tu cuma ugutan
kebanyakan bank seboleh-bolehnya nak pertahankan jumlah pemegang kad sedia ada.. |
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tp kalau setakat 2-3 org depa terminate...takder masalah sbb jumlah pemegang kad depa masih tinggi.... |
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ekceli...note rasa citibank ler yg mudah nak approvekan kad kredit...
dulu masa note fresh grad.....kad kredit pertama --> citibank.
time tu other banks liat jer nak bagi kad kredit....
once dah few months guna citibank barula maybank offer kadnya!! sampai 3 sekali... |
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to those yg nak waivekan annual fee....mudah jer...
join ler autopay citibank...macam note buat. =P
tapi every year mmg depa akan auto charge the annual fee....
tu pentingnya kita check statement bila tiba masanya....
kita call jer...then diorang akan reverse the charge.
but to those yg tak check & dispute.....selamat la.....citibank buat duit. he3 |
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ni nak tanya.....
ada sesapa yg pernah dapat surat from citibank tak yg kata kita terpilih as shortlisted tuk peraduan citibank-reader's digest??
btul ke yer? boleh caya ker? hadiahnya mmg dasat...RM250K & layanan VVIP tuk majlis penyampaian hadiah.
to those yg kerja kat citibank, tolong le PM note ye if ada apa2 tips or info yg nak dishare.... * wink * tq!!!! |
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to those yg nak waivekan annual fee....mudah jer...
join ler autopay citibank...macam note buat. =P
tapi every year mmg depa akan auto charge the annual fee....
tu pentingnya kita check statement b ...
notebook Post at 24-9-2009 10:21 PM 
you are right......at least satu kene buat auto debit....mcm aku dulu....1st and 2nd year.....mmg tak bg derang waive kan annual fee tu...tahun ketiga derang advioce aku buat auto debit dan terus derang waivekan annual fee tu....tahun depannya masih derang charge tp hanya sekali call...terus derang waivekan....cuma kene tgk dan teliti monthly account statement tu ( skang ni aku buat e-statement thru e-mail ) ....lg senang nak pantau....baru2 ni aku call derang mintak waivekan....tak byk cakap....mereka hanya bgtahu suh tgk next statement...kalau masih ada...call je derang....
very convenient....kalau Bank lain agak payah skit... |
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Category: Belia & Informasi
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Post time 18-8-2009 02:32 PM
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