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

[kutangbato]

I closed my account at Citibank a few months ago because of their lousy service. I get my bills late (FYI: I also prescribed to their paperless billing statement but Citibank mailed these things super late, sometimes i even don't receive them) and I get debited with false transactions that they admit was their fault (so please, always check your statements).

Before I closed my account, I didn't have a billing statement with me so I just called their customer service and paid the amount I THOUGHT I owed. When I got home, I asked my wife the amount on the statement. I overpaid Php 20K+. So I called CITIBANK again and was just informed that an insurance merchant charged me for a year of premium. I called the insurance company, asked for a refund, and told us they'd be returning the money.
I was really busy that 3 months have passed that I forgot to follow-up until.....


The insurance was billing me for failed premium payments. I was actually mad at first because I already paid.

LO AND BEHOLD! They informed me that they refunded the money to CITIBANK.

AND CITIBANK NEVER INFORMED ME!

When I called CITIBANK to complain, Ms. Ellani de Leon (supervisor ito ha!) told me that they did not have any facility to do that.

[SIZE="3"]Huwwwaaatttt???[/SIZE] They have the facility to call you up over and over again wherever you are, if you're overdue, every freaking hour until you pay but they do not have the facility to inform you that THEY OWE YOU MONEY???

And get this, my account has been closed for months, and not even a single notification from them. Grabe!! If I had been diligently paying for my premiums, I wouldn't have known this. Paano pag isang taon at di ko nalaman? Di na rin nila sasabihin?

And worse, di na nila ibabalik ang pera na pinaghirapan natin.

Close your accounts there. Mga manloloko yan.:thumbdown:
[SIZE="3"]CITIBANK SUCKS!![/SIZE]

[shredingman123]

kaya ako, BDO lang talaga

[chua_riwap]

ako rin BPI.....

[Ginnova]

BPI din..........

[Bravoexo]

Citibank's surcharge on online payments is such a scam.

[111prez]

i closed my citibank credit card account 4 years ago

however, until now, they still consider my credit card active and send me a billing every month although with zero charges. yearly charges for activating the card is negative though as if i am interested in reviving it

what a waste of paper and mailing expenses

[LeBRONghini6]

Ako din BDO,BPI, Chinabank lang.

[Kei allen]

kaya ako, BDO lang talaga

Yes! At ang mga agents napaka sungit umpisa pa lang ng call mo pag kuha palang ng 16 digit number mo susungitan ka na. Don't ever apply for a credit card sa Citi. Disappointing ang service!!!

[baludoy]

sa bpi lousy na din ang customer service. mamumuti mata mo sa kakahintay may sumagot sa call center nila

[shadow]

Sa akin walang paaalam never Did they call me if I want an increase or not basta pag dumarating SOA meron ng letter na na increase ako or meron sila padala na letter stating na increase credit limit

[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!

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]

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.

[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.

[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.

[desert fox]

never akong kukuha ng CC jan....

[Ry_Tower]

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.

[Ginnova]

take note na hindi lang sa credit card ka black listed. sa lahat ng loans especially car at housing loans.