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

[KERSMcRae]

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]

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

Pagnagkataon...ShitiBank ang kalalabasan nito.

[Gumusut_Amige]

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]

I have a BDO card waive lifetime Ang membership fee

[jhnkvn]

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]

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]

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]

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

[CLAVEL3699]

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]

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.

[shadow]

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.

hinde na uso yan...hehehe

[Autobeat]

Still have citibank, but yes, it's not without issues from them.

Missed Meralco payment, which they never noticed.
Insurance payments which we never agreed to.
Constant attempts to increase credit limit - pero so far they call first naman, and we keep saying we don't want to, but it's getting annoying since too frequent.

[Lyle]

Magaling lang sila maningil at magfollow up sa telepono ng paulit-ulit. XD

[kojie]

Same here. Kaya I canceled my card laging late ang dating ng billing tpos pag bayad ka may overdue fee. For 3 consecutive months late sila ng pagpapadala I kept calling them about this

[emms1121]

Bwisit ang citibank. Magaling lang magoffer ng loan at asikasong asikaso ka pag minimum credit limit lang nababayaran mo. Pero once na laging full payment ka, wala na.
Nung problema ko pera at hindi ako nakakabayad ng full, palagi tawag sa akin at ontime arrival ng cards. Ngayon na paylite lang kinukuha ko at wala akong balanse, 7 mos na di pa dumadating supplementary card ng misis ko eh bayad na annual fee non. Naka 5 tawag na ako to no avail. Pinapawave ko membership fee, di daw pwede. Tapusin ko lang pagbabayad ng paylite ko at kunin ko rewards ko then goodbye citibank at good riddance.

[boybi]

Bakit ako nagpapa-increase ng credit limit sa citibank CC, ayaw nila? Although 2-3x nang nag automatic increase yung limit before, but this time kasi, temporary increase lang for our trip abroad, ayaw ba naman.

So far, wala pa naman naging problem sa mga CC namin: Citi, HSBC, BDO. Lahat waived ang annual fee. Pati late charges waived din. Kasalanan naman nila late dumating ang bill.

[KERSMcRae]

Hmmm,

dumadami na horror stories ng Citi card, stick to HSBC at BDO na lang ako. Yung HSBC, pwede daw temporary increase ng credit limit, at pwede naman ma-waive annual fee kahit average user (regular card)..

Btw, bakit madami ang ayaw itaas ang credit limit nila sa cc?

[mda_]

Panapanahon lang yan. i have several cards (BDO, BPI, Citi, HSBC). I use different cards for different purchases to maximize benefits.

For Gas, or other purchases above P2,000 - I use HSBC (libre starbucks). Before since mabuhay miles to, napa-convert ko to miles yung points so na-upgrade na yung membership ko to elite.

For purchases sa SM - siyempre BDO. On some occassions, may additional points sa BDO rewards (which you can use for purchases later on).

Citibank - For Rustan's purchases (cash back). Before i used this more than HSBC kasi pwedeng libre sine sa rockwell. hehe

It's OKAY to have a big credit limit if you can afford to pay the full amount every month. Financial discipline lang ang kelangan. You can use your credit cards to your full advantage if you just read their offers.

[compact]

Hmmm,

dumadami na horror stories ng Citi card, stick to HSBC at BDO na lang ako. Yung HSBC, pwede daw temporary increase ng credit limit, at pwede naman ma-waive annual fee kahit average user (regular card)..

Btw, bakit madami ang ayaw itaas ang credit limit nila sa cc?

Bukod sa nakakatukso, iwas pa sa problema sakaling nagamit ng iba at least mababa lang limit.

[vito corleone]

never had a problem with my citibank credit card

in fact, mas satisfied ako sa service nila than metrobank or hsbc

annual fee is always waived (the same with metrobank and hsbc)


ang angal ko lang sa citibank e yung itinigil nila yung movie pass at krispy kreme promos hehhe