Warning: Do not apply for a credit card at CITIBANK!

**KERSMcRae** · June 9th, 2011 07:24 PM

Originally Posted by cjv_justice

No problems with Citibank credit card usage here. A couple of things I don't like though - the auto-increase of credit limit ; and they send you a letter with a check for you to deposit, sort of a pre-approved personal loan which bugs me alot!

I think I received about 10 letters like this already. HSBC reps called me once and I just replied I want it but I dont need it yet.

If you're a good cardholder (regular to heavy user & always pay in full), they keep on sending pre-approved loans and other stuff.

While we're on a topic of credit card services, I have received a pre-approved card from BDO with hefty a credit limit. I've kept the car for a while now and I'm thinking of switching cards for a change. I'll still keep my trusty CTB and use this instead but I wanna ask for feedback from Tsikot cardholders.

>How'd you find BDO card services, especially their CS hotlines?
I own a BDO credit card but the ShopMore one- lower credit limit and lower membership fee (monthly).
I dont know about their regular cards -Visa and MC. CS are ok, easier to contact compared to HSBC

>Did you experiences problems with POS at establishments? Online usage?
I have encountered once at Robinsons Supermarket- but the problem was only only for BDO but all MasterCard CC. I used my other card (HSBC-Visa) that time.

Online usage? NO problems. I use it to book airline tickets online.

>Do they waive their Annual Fees?
No idea on this since Im not holding a regular card. Membership is monthly while their regular (elite) cards are annually.

TIA.

Yesterday, I received my renewal card already (including my supplementary), a month before our card's expiration period.

**shakatak70** · June 9th, 2011 07:40 PM

wow dami na akong naririnig na reklamo tungkol sa CC ng CitiBank...

Pagnagkataon...ShitiBank ang kalalabasan nito.

**Gumusut_Amige** · June 9th, 2011 07:50 PM

Originally Posted by Mguy

So far so good with Citibank. I have Citibank Gold, Shell and Cash back. Billings are on time sa email ko. I didn't like BDO because they charge monthly membership fee. Yun annual fee ng Citibank, i always have them waived. BPI is good rin. No hassle in paying since i can pay it online, just like Citibank thru BPI. HSBC sucks in sending the bill on time plus they refuse to waive annual fees.

i don't have citibank cc, but my hsbc and maybank cc are ok. both annual payments are waived and payment is made online

**shadow** · June 9th, 2011 08:12 PM

I have a BDO card waive lifetime Ang membership fee

**jhnkvn** · June 10th, 2011 06:13 PM

Wala naman ako problema sa Shell Citibank so far. Citibank's the world's largest credit card issuer, maybe their quality of service is deteriorating? On the otherhand, I noticed that my order for a supplementary card was 2 days late from what was the usual.

**CLAVEL3699** · June 10th, 2011 06:43 PM

Pinacut ko lahat CC ko nung tapos namin bayaran lahat... Citibank, metrobank ( Gold and Silver ), EastWest

Ngayon ni Isa wala kaming credit card.

Nakakatukso kasi. Wala naman ako naging problema sa kanila.

Kami ang may problema. hehehehe Now naayos namin nang mas maganda ang finances namin.

**Sgear1** · June 10th, 2011 06:46 PM

Originally Posted by compact

Been using Shell Citibank CC since 1998, no major problems so far. Ayaw nila i waive yung annual fee kasi laki ng rebate ko sa shell tapos zero pa lagi ang SOA ko.

Lagi pala nila ako kinukulit taasan yung credit limit ko kasi 60k lang talaga ang gusto ko.

If you've been a Citibank card member for at least 10 yrs., the annual fee should be waived.

**Ry_Tower** · June 10th, 2011 07:07 PM

I was planning to inquire for a CTB CC pa naman, buti na lang. Stick to BPI na lang siguro.

**CLAVEL3699** · June 10th, 2011 07:12 PM

Originally Posted by Sgear1

If you've been a Citibank card member for at least 10 yrs., the annual fee should be waived.

12 yrs ako Citi member pero hindi sya na waived...I asked them about this kasi sa metro nakawaive ako hindi daw pwede sa kanila

**istan** · June 10th, 2011 08:05 PM

Madali lng magpawaive ng credit limit. Natuto lng ako last 2 years ago.
1. Dapat wala kang installment sa card or kaya mo bayaran buo
2. Dapat ok lng sa iyo i-Cut yun card pag ayaw i waive (just for safety)

Eto sabihin mo,
Ikaw: Pa waive ng annual fee,
Agent: Ay di po pwede kasi Shell/Moneyback etc. card ka, kelangan talaga yun
Ikaw: Ok, pa-cut na lng yun card ko <- lakas loob pls
Agent: Sige, po.

Tapus papatawagan ka or mapupunta call mo sa supervisor.
Supervisor: Hi! Sayang naman, enroll ka sa paperless billing, auto-debit etc para mawaive
Ikaw <- up to you. Pero waive yun annual fee mo sureball
If ever cut talaga gusto nila. Pacut mo, then re-apply. Dami daming card companies jan. Di ka mauubusan.