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

**cjv_justice** · June 9th, 2011 05:59 PM

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!

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?
>Did you experiences problems with POS at establishments? Online usage?
>Do they waive their Annual Fees?

TIA.

**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.

**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.

**shadow** · June 15th, 2011 08:33 PM

Curious lang ako sa nga na default Sa mga CCs, habang buhay na sira ang credit standing nila? Eh paano kung na default sila when they were still young I mean bago pa Lang Sa work which often than not ganun naman nangayayari eh what if after a couple of years na promote na sila naging VP etc wala na pagasa ma build up credit nila? Kawawa naman.... Can't they petition the court na alisin yun name sila sa blacklist?

Kaya itong mga banks laging offer Sa mga bata eh yun bago pa lang nag work at malaki chance na puro minimum lang babayaran dahil hind pa establish.

Dati muntikan na rin ako magiging victim diyan eh right after mag graduate ako Sa college I work for a year in a bank, Ang daming CC na dumating Sa akin ako naman feeling liberated feeling adult na isipin mo kahit walang cash mabibili mo gusto mo hanggang hinde ko na mabayaran, buti na lang binayaran ng nanay ko... Hehehe

Loko Kasi yun mga kasamahan kong matatanda na sa banko, nag fake sila ng mga COE tapos pag mag CI Sa HR sila rin Ang sasagot, kaya sumama na rin ako 7k lang sweldo ko before pero Sa COE eh 20k nakasulat. Isa Lang akong hamak na Management trainee Sa bank na yun.

**desert fox** · June 15th, 2011 09:24 PM

never akong kukuha ng CC jan....

**Ry_Tower** · June 15th, 2011 10:53 PM

Originally Posted by shadow

Curious lang ako sa nga na default Sa mga CCs, habang buhay na sira ang credit standing nila? Eh paano kung na default sila when they were still young I mean bago pa Lang Sa work which often than not ganun naman nangayayari eh what if after a couple of years na promote na sila naging VP etc wala na pagasa ma build up credit nila? Kawawa naman.... Can't they petition the court na alisin yun name sila sa blacklist?

Kaya itong mga banks laging offer Sa mga bata eh yun bago pa lang nag work at malaki chance na puro minimum lang babayaran dahil hind pa establish.

Dati muntikan na rin ako magiging victim diyan eh right after mag graduate ako Sa college I work for a year in a bank, Ang daming CC na dumating Sa akin ako naman feeling liberated feeling adult na isipin mo kahit walang cash mabibili mo gusto mo hanggang hinde ko na mabayaran, buti na lang binayaran ng nanay ko... Hehehe

Loko Kasi yun mga kasamahan kong matatanda na sa banko, nag fake sila ng mga COE tapos pag mag CI Sa HR sila rin Ang sasagot, kaya sumama na rin ako 7k lang sweldo ko before pero Sa COE eh 20k nakasulat. Isa Lang akong hamak na Management trainee Sa bank na yun.

Alam ko talagang may internal at shared database ng mga bad accounts payors ang mga baks. So talagang mahirap na uli makakuha ng CC ung yung una ay nag-default at talagang hindi nakabayad.