Which C.Card is better?

• Zyber12311

  31 Oct 10, 08:24

  I wanted to get a Citibank credit card.

  Went to AMK Hub level 1 that kiosk, in the end became 4 cards.

  LOl..

  Im ok with it, for now, as it is free and can be returned 6 months later~.

  The 4 cards are: Citibank DIVIDEND (WORLD MasterCard)

                              Citibank Rewards (VISA Signature)  *Heard that its a new card 10x,10 points for 1$ spent

                              Citibank Clear Platinum Card (VISA Signature)

                              Citibank M1 Platinum Card (VISA Signature)

   

  Any of you guys having this cards?

  Please advice on the pros and cons of the card you are holding.

  I dont think i need so many cards, as the annual fee is around 160 - 190 for each card.

  I was thinking of keeping Rewards and Dividend. If Rewards can get same amount of discount for Petrol at ESSO then i would most likely keep Rewards and M1 Platinum.

  Advice please.. THANKS!

• ditzy

  31 Oct 10, 09:24

  I hate citibank, they like to screw things up for you. I don't have a single citibank card currently, and never ever farking will.

• Zyber12311

  31 Oct 10, 10:11

  so jia lat ma?.. o.o...

   

  hmmmmm..

• FireIce

  31 Oct 10, 14:15

  shittbank has some good shipping discounts sometimes
  UOB and DBS for food
  SBC manhattan for the rebates

• Y_Shun

  31 Oct 10, 14:34

  get Clear can already.
• Henry chong yu fu

  31 Oct 10, 14:34

  The citi clear card is good enough.

• FireIce

  31 Oct 10, 14:57

  is tt the $500 limit one for kids?

• likeyou

  31 Oct 10, 15:06

  Why need so many cards in the first place? Imagine if you lost your wallet how?

   

  It was troublesome especially when the foc annual fees are up.

  The next month, u rec the bills with annual fees, you have to call them to ask for wavier.

   

  And I ever asked to pay first and they will refund you back (cr), is as good as paying the money upfront first.

   

  How? I terminate immediately.

  Now only have 2 cards (posb visa and everyday).

  Easy to pay (atm) my bills too and no worry about annual fees.

• ditzy

  31 Oct 10, 15:32

  Its pretty strange how you sign up 4 cards from the same bank in one shot, then ask us which credit card is better?

• likeyou

  31 Oct 10, 15:34

  All cards same lah.

  Ortan cards.

  Dont use it too often.

  Dangerous.

• Hwaimeng

  31 Oct 10, 17:17

  every1 have their own favour cards , you should be able to get yr answer about 1 year later

  for me is POSB everyday card. and citi bank master card

  UOS can fuck off with their services and Dinners chase yr bill like you own them $5000000.

  this is my option.

• likeyou

  31 Oct 10, 17:21

  Originally posted by Hwaimeng:

  every1 have their own favour cards , you should be able to get yr answer about 1 year later

  for me is POSB everyday card. and citi bank master card

  UOS can fuck off with their services and Dinners chase yr bill like you own them $5000000.

  this is my option.

  
  Hey same over here bro. Me posb everyday also.

  But citibank, already terminated since last year cos no using and every yr, rec their annual fees.

• saline

  31 Oct 10, 18:03

  i am happy with my OCBC Titanium and DBS Fresh. for Citi, i use the plat visa one (rarely). 

• Zyber12311

  31 Oct 10, 22:47

  i wanted to get just 1 c card.. but then she say got so many different type.. so i wanna try see which one better ma

  then its wavied first year.. so i dont mind..

  can return after 6 months..

  so its ok lor.. hmmm.. all got different uses

  that why i came to ask which c card better...

  hmmmmm... the clear card got for student de.. need parents to go along..

  seems like very little pple use citibank wor.. hmmmm

• FireIce

  1 Nov 10, 00:15

  i think the rewards one bery troublesome
  have to keep tracking ur pts and see wat can be redeemed b4 the expiry date
  unless u relli sign a lot a lot within a year
  
  
  i prefer to take rebates or cashback

   

  but now im not using cc liao unless for instalments which i avoid too
  mostly using dc and cash for small amts
  no need to owe money, i can afford to pay watever i wanna buy now
  no need scared forgot to pay
  oso can use for online purchases
  more control over my $

• Zyber12311

  1 Nov 10, 09:52

  yea.. was thinking the same thing..

  i wanna get cc one coz of its priviledges..

  ive been using posb dc all the time... lol

  im thinking of using cc but you will see be everytime queing at axs machine coz after i swipe..

  i will pay.. LOL...

  kinda lame..

• Plastic Bag

  2 Dec 10, 14:27

  woah the salesperson earn a lot of comm. must be thinking "fat fish".

• CaRoOo ~

  2 Dec 10, 14:51

  N-C-C - No Credit Card best! Unless you my laogong la! (: 

• likeyou

  2 Dec 10, 15:40

  Be careful of their gimmicks...I mean those point or rewards given when you spend certain amount. Be careful...or else you fall into greater cc debts, you will be in trouble.

   

  Just a gimmick to make you slot their cards while make any purchase. Nothing else. At the end of the day, you still need to pay the bills. + they give you points only....nothing fanciful. Be careful of this trap.

   

   

• FireIce

  2 Dec 10, 16:51

  can pay credit card online

  no need Q~