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

[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