Citibank Credit Card Users Thread

[marlowe1701]

grabe mag-increase ang mga cards mo. maxed out siguro palagi kaya ganon. do you always use it outside the country?

di naman po maxed out cl ng cards ko, usually nasa 20k lang ang usage ko monthly..but always paying it in full on or before the due dates....di rin po ako lumalabas ng pinas....

[marlowe1701]

May I ask how much monthly yung nas-swipe mo? Or at least para ma-waive ang AMF, mga magkano ang kelangan i-swipe? Sa BDO kasi mga tipong 3k monthly or one time 5k before anniv date madali na lang i-waive. I have BDO Cards, pero gusto ko na rin magka-Citibank for the perks.

nasa 20k ang monthly usage ko...napapa waive ko naman ang AFs ko....

[marlowe1701]

Hi Marlowe!

Automatic increase ba yan or nag request ka? Pa-share naman po. Sakin kasi palagi naman maxed-out at nagkakaron pa ng time na over credit limit na pero di pa rin ako binibigyan ng increase. I have to wait pa raw until mag 10 months ang card ko. Mabuti na lang they don't charge me with over credit limit fee.

hindi po ako nagrequest ng credit limit increase kasi kaka increase lang nila sa account ko last may 2012 when i asked them to update my ITR. i think hindi po maganda sa paningin ng bank kung laging maxed out ang credit limit....may negative effect po yan sa paghahandle mo ng card...

[teechs]

hindi po ako nagrequest ng credit limit increase kasi kaka increase lang nila sa account ko last may 2012 when i asked them to update my ITR. i think hindi po maganda sa paningin ng bank kung laging maxed out ang credit limit....may negative effect po yan sa paghahandle mo ng card...

May I know how it affects my credit handling?

Yung sakin kasi maliit ang credit limit. Kaya naman siya maxed out kasi combined credit limit siya ng 3 cards. Lahat naman paid in full 1 week before due date. Nakapag revolve lang ako ng 2 months last April and May dun sa isa lang but after that full payment na ulit sila.

Hindi rin kasi ako hiningan ng requirements eh, ID lang. And I think ang naging basis lang nila ay ang credit card ko with another bank na 5 months pa lang nung mag issue sakin ang Citibank ng unang card ko sa kanila. So no credit limit increase, pero pinadalhan ako ng isa pa na card (third with them). Sabi ng CSR binibigay daw nila yun voluntary to accounts with good credit standing. And also I charge them my bills and other primary purchases plus may installments pa, kaya almost 95% talaga ang usage ko monthly.

Since you mentioned the ITR, siguro I should update them with mine na rin.

Thanks in advance.

[onyxguapo]

May I know how it affects my credit handling?

In my dad's case, yung BPI credit card nya laging maxed out. In a span of 3 years his credit limit regularly increased from an initial 10k to 300k today.

I think our local banks may have different policies regarding this. If we are in the US though, exceeding 30% of your credit limit on a regular basis would hurt your credit score.

[marlowe1701]

May I know how it affects my credit handling?

Yung sakin kasi maliit ang credit limit. Kaya naman siya maxed out kasi combined credit limit siya ng 3 cards. Lahat naman paid in full 1 week before due date. Nakapag revolve lang ako ng 2 months last April and May dun sa isa lang but after that full payment na ulit sila.

Hindi rin kasi ako hiningan ng requirements eh, ID lang. And I think ang naging basis lang nila ay ang credit card ko with another bank na 5 months pa lang nung mag issue sakin ang Citibank ng unang card ko sa kanila. So no credit limit increase, pero pinadalhan ako ng isa pa na card (third with them). Sabi ng CSR binibigay daw nila yun voluntary to accounts with good credit standing.

Thanks in advance.

when i was a csr ng certain bank, nkikita ko ang credit score ng cardholders with maxed out credit limit, it has a low credit score if compared to those who were not maximizing their credit limit...better send them your latest ITR so they could update as well your credit limit.

as for me, i started with citi classic visa with php15k credit limit, now my credit limit is php250k na (with citi for 3 yrs).

[teechs]

If we are in the US though, exceeding 30% of your credit limit on a regular basis would hurt your credit score.

Ouch! Buti na lang nasa Pinas tayo.

Every 6 months ang increase ng credit limit ng dad mo? Or annual? Kung annual, ang laki malamang ng jump ng increase.

[teechs]

when i was a csr ng certain bank, nkikita ko ang credit score ng cardholders with maxed out credit limit, it has a low credit score if compared to those who were not maximizing their credit limit...better send them your latest ITR so they could update as well your credit limit.

as for me, i started with citi classic visa with php15k credit limit, now my credit limit is php250k na (with citi for 3 yrs).

I see... So ilang percent ng usage per month ang mapapayo mo for citibank? Since you've been with them for 3 years na. And kasama ba sa usage yung mga unbilled installments? Thanks again!

[marlowe1701]

I see... So ilang percent ng usage per month ang mapapayo mo for citibank? Since you've been with them for 3 years na. And kasama ba sa usage yung mga unbilled installments? Thanks again!

came to know na ang advisable usage sa card should not exceed 35% of your total credit limit...di po kasama ang mga unbilled installments...hope this will help...

[teechs]

came to know na ang advisable usage sa card should not exceed 35% of your total credit limit...di po kasama ang mga unbilled installments...hope this will help...

Kung di pala kasama ang unbilled installments sa monthly usage, then wala pa pala sa 30% ang total usage ko for all 3 cards with Citibank.

Thanks much!

[marlowe1701]

Kung di pala kasama ang unbilled installments sa monthly usage, then wala pa pala sa 30% ang total usage ko for all 3 cards with Citibank.

Thanks much!

welcome po....

[bading_13_cavite]

Hindi ba ok lang na i max out mo ang card or kahit 70-99% ang gamitin mo as long as mababayaran mo lahat yun before the due date. Pano po kasi kung maliit lang limit mo tulad ng 20k-50k?

[KuyaDanny]

Hindi kasalanan ang i-max out mo ang card mo. Ang kasalanan yung gasta nang gasta na hindi naman kailangan at pagsisisihan lang pagdating sa araw ng bayaran.

[onyxguapo]

Ouch! Buti na lang nasa Pinas tayo.

Every 6 months ang increase ng credit limit ng dad mo? Or annual? Kung annual, ang laki malamang ng jump ng increase.

Kwento ng dad ko, for more than 20 years 10k lang ang credit limit nya sa BPI. Di nya kasi lagi yon nagagamit. Then nung ginagamit na nya and lagi nya nama-max out, almost every 3 months nag-i-increase. Nung naging 220k na, hindi na nya na-max out. Pero nag-increase pa din to 300k nung nag-request sya ng conversion to gold.

Nagpa-renovate kasi ng bahay dad ko kaya na-maximize nya pag-gamit ng BPI card nya.

[noics02b]

nasa 20k ang monthly usage ko...napapa waive ko naman ang AFs ko....

So that explains why madali ka magpa-waive ng AFs. I think most banks, mga tipong 200k per annum na na-swipe waived agad ang Annual Fees. 20k a month is too much for me hehe. I wonder kung meron nakakapagpa-waive without spending too much? Baka hanggang 3k a month (consistent) lang kaya ko haha

[wandawoman]

by the way their latest promo is free umbrella for those who attended the travel expo in SMX MOA

[AkiFoblesia]

nabigyan din ako ng payong nang alukin ako nung miss sa trinoma ng citibank card. pinili ko yung rewards card kasi gusto ko yung promo nila na medyo mas mataas na rebate rate at P100 worth na movie pass. tapos pati online transactions pwede na rin makasama sa movie pass. di na nga lang ako entitled sa free watch kasi existing cardholder na ko.

ang concern ko lang ay malabong maabot ko yung P240k/year nilang spend requirement para mag waive ng annual fee. di kasi umaabot dun ang average spend ko sa nakaraang 4 na taon, at distributed pa yung spend ko sa 4 na cards, depende kung alin ang may promo.

[marlowe1701]

by the way their latest promo is free umbrella for those who attended the travel expo in SMX MOA

am planning to be there this afternoon kaya lang ang lakas pa rin ng ulan...check ko lang sana if ok ba ang discounted fare ng PAL????

[nybee]

Gano katagal bago ulit pwede magrequest in increase in CL? Nagrequest ako last May nareject. Kahit kita naman nila na nageexceed nako, kahit in 2 months palang (kasi March yung simula nung card hehe)

Pero ngayon maaraming instances na di papasok yung Auto-debit kasi di na pasok sa CL.

Ang problem ko lang ay di naman ako napromote, eh ano magiging dahilan ko for increase?

[johnplmc]

Help sa mga Citi people dyan hehe pa help naman dito sa question ko... Tumawag ako sa Citibank and they say call again maybe by end of this week... Kinakabahan ako huhuhu

Hi, People... May tanong lang ako sa mga nag apply online...

how does it usually take for you to be contacted?

May tumawag kasi saken nag confirm lang ng information at may pina send sa email nila ng documents... After that wala na ako na kuha na text or tawag...

Ganun ba talaga yun?

Or dapat may mag text sakin na pinaprocess nila yung application?