How many citi cards can you have

Need Data Points. what is the MOST you overpaid Citi card with BT $$$

How many citi cards can you have

How many citi cards can you have

How recent was it

Did they question you, or hassle you when asking for a CREDIT OVERPAYMENT refund?

Any other info you want to add.

No hassles or questions, requested check online*

IIRC, check took a couple weeks to actually get to me.

*Under "Manage My Account" choose "Maintenance Requests" --> "Credit Balance Refund"

How recent was it Aug 2006

Did they question you, or hassle you when asking for a CREDIT OVERPAYMENT refund? no

Any other info you want to add. took almost 10 days for the check to arrive

How recent was it April 2005

Did they question you, or hassle you when asking for a CREDIT OVERPAYMENT refund? no

Any other info you want to add. can't remember how long for the check How many citi cards can you have

This was done in june 2007

How recent was it 07/23/07

Did they question you, or hassle you when asking for a CREDIT OVERPAYMENT refund? NO

Any other info you want to add. request refund check online EZ, I overpaid with billpay in MBNA CC.

Oh, also, I had 80k of BT going into my citi card, so I opened up a Citibank account with a 40k PURCHASE from my citi DPR card. Then I just let the 80k of bt's hit

30K to mbna (probably cumulative 200K to that one card). i spend some of the money so they don't mind

25K to AMEX, they are slow to refund you.

22K over CL or 1200% of CL,

10K over CL, or 600% of CL,

2) let me get this straight. say you have a 10K CL on a citi card with a no fee BT offer. you overpay to create a 20K credit balance. can you request a 20K BT check for the full amount of the credit balance, or are you limited to the 10K of CL?

How recent was it, 2006.8

Did they question you, or hassle you when asking for a CREDIT OVERPAYMENT refund? No

Any other info you want to add. requested 2 BT checks, $6K + $7K

They took their time sending the check, but then increased my CL to $9000.

Local CU Checking

NASA Federal CU Checking

Local CU Checking

NASA Federal CU Checking

2. Consolidate as much CL into that card as possible,

3. Take out a large BT,

4. Move funds from other cards into that card,

5. Possibly do step 3 again.

2. Consolidate as much CL into that card as possible,

3. Take out a large BT,

4. Move funds from other cards into that card,

5. Possibly do step 3 again.

No red for you from me. it is confusing, but after a while you will get used to it. no degree necessary (I have non, nor do I work in finance).

Did 1 this month and it took about 2 weeks to receive the check.

Going over the CL does not appear to be an issue.

It's done online and should get an email that is has been approved by the next business day. (It appears the online request makes its way into a standard customer service request.)

What seems like the longest part for me is waiting for the float to clear! (Don't forget checks over 5K have an extra day of float.)


how many citi cards can you have

will earn you entries and increase your chances of winning big!

Mercedes-Benz E 250

How many citi cards can you have

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How many citi cards can you have

How many citi cards can you have

How many citi cards can you have

How many citi cards can you have

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How many citi cards can you have

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How many citi cards can you have

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more on any other category

not mentioned here

RM50 or more with your

How many citi cards can you have

How many citi cards can you have

How many citi cards can you have

How many citi cards can you have

How many citi cards can you have

How many citi cards can you have

How many citi cards can you have

How many citi cards can you have

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when you bank with us

Citigold / Citi Priority relationship*

advance of RM1,000 or more

with any Citi credit card

(Refer our FAQ to learn how)

when you spend with

Citigold / Citi Priority relationship*

Yes. You are required to enrol only once during the Campaign Period with any of your Citi Mastercard, Visa or American Express credit cards (including Supplementary cards) and Citibank Debit Cards, to be automatically tracked for the purposes of tabulation of Qualifying Requirements throughout the Campaign Period.

However, please note that your Contest Entries will only be recorded starting from the Campaign Month in which you enrol. For example, if you enrol on 20 June 2017, your Contest Entries will be recorded from Campaign Month 2 onwards until end of Campaign Period.

This campaign is not eligible for Citibank Ready Credit, Citi Business Signature Card (Full Corporate Liability), Citi Business Signature Card (Joint & Several Liability), Citi Travel Account, CitiBusiness Gold (Business Underwriting) Cards.

Do I need to enrol all my Citibank cards to be eligible for this Campaign?

Once you have enrolled during the campaign period, you may earn Contest Entries by performing any of the Qualifying Requirements below:-

  1. Spend RM50 and above via Citi MasterCard, Visa or American Express Credit Card on all Local Retail Purchases and Transactions other than (2), (3) or (4) below
  1. Spend any amount via Citi MasterCard, Visa or American Express Credit Card with Samsung Pay, PIN-Authorised Transactions (Pin&Pay)* or JomPAY

*You will be prompted for your 6-digit PIN for transactions at terminals that have been upgraded for PIN acceptance.


Top 6 Citibank Cards | 2017 Ranking & Reviews | Best Citi Card Rewards, Travel, Offers, & Cash Back Reviews

2017 RANKING & REVIEWS

TOP RANKING BEST CITIBANK CARDS

Introduction: The Best Citibank Cards and a Complete Citi Cash Back Card Review

When searching for the best credit cards on the market, signing up for some obscure card offered by a bank you have never heard of is usually not a great idea.

A Citibank card, however, brings with it the trusted name of a banking company that has been around since 1812. From a Citibank travel card to a Citibank rewards card, there are a number of quality options for Citibank cards on the market today.

How many citi cards can you have

Award Emblem: Top Citibank Cards

In this brief article, AdvisoryHQ will explain why a Citibank card is so special and what separates a Citibank rewards card from other competitors. We offer a Citibank cash back card review of six of the top Citibank cards today through a helpful comparative table.

In our FAQ section we look at how you can get the most out of your Citibank travel card or Citibank rewards card as well as what features to look for in the top Citibank cash back and Citi Card rewards programs. Finally, we will offer a complete review of six of the top Citi Card offers available today.

What Makes a Citibank Card Special?

Besides being one of the oldest banks in the U.S. financial sector market, Citibank is also one of the largest. According to Wikipedia, Citibank has 983 North American branches and a firm presence in several foreign markets as well.

Not only do they offer a quality Citibank travel card, Citi Cash card, and other Citibank cards, but this massive financial company also offers insurance, regular banking products, and investment strategies.

Furthermore, Citibank offers an online services division which has over 15 million users. If you own a Citi travel card or any other type of best Citi card, this online presence is sure to help you in your money management.

In today’s increasingly mobile-driven world, the best Citi card offers a whole range of online banking tools that offer you flexibility and instant access to your funds anywhere you take your smartphone.

AdvisoryHQ’s List of the Top 6 Best Citibank Cards

List is sorted alphabetically (click any of the credit card names below to go directly to the detailed review section for that credit card):

Top 6 Best Citibank Cards| Brief Comparison & Ranking

Citi Diamond Preferred® Card

Citi Simplicity® Card

Citi ThankYou® Preferred Card for College Students

Citi® Double Cash Card

Citi® Secured MasterCard®

CitiBusiness® / AAdvantage® Platinum Select® World MasterCard®

Table: Top 6 Citi Card Offers | Above list is sorted alphabetically

Don't Miss: High Yield Bank Accounts

How to Get the Most Out of a Citibank Travel Card or a Citibank Rewards Card?

Finding the best Citibank card for you will depend largely on your lifestyle and how you plan to use the card over the long term. For example, if you only travel once a year or so, a Citibank travel card most likely won’t earn you many rewards. However, if you travel a lot for business or to visit family, a Citi travel card could save you hundreds of dollars in miles and rewards.

How many citi cards can you have

Similarly, the best Citi card rewards programs will depend largely on how you use the card. If you use your card only sparingly, chances are that you won’t benefit from significant Citi card rewards.

If, however, you are able to use your Citibank card for your everyday purchases and develop the financial responsibility to pay off your balance in full each month, you can earn significant amounts of money from Citibank cash back rewards while avoiding any and all interest fees.

Furthermore, since the best Citi card also comes with an introductory 0% APR for 21 months, you can effectively receive a no interest loan for almost two years.

If you have a major expense, such as a home or auto repair, you may be able to sign up for the best Citi card offers and make the most of the 0% APR while avoiding a personal loan altogether.

What to Look for in Citibank Cash Back and Citi Card Rewards Program

Finding the top Citi card offers requires you to understand how you will be using the card. However, it is also important to take the time to read the fine print on any Citibank card you sign up for.

According to the news agency Reuters, last year, Citibank had to pay $770 million to its users for illegal credit card practices. This penalty was due to the fact that Citibank was using deceptive marketing practices and not clearly stating the costs and fees associated with the Citibank cards they offered.

When searching for the top Citibank cards, then, it is important to make sure you understand the complete terms and conditions associated with the Citi cash card or Citibank travel card you apply for. Review the fees associated with the card, including the annual fee (if there is one), late payment fees, late payment APR, cash advance fees, and foreign transaction fees.

As with any credit card, the best Citi card may publicize a low introductory APR in order to attract your attention. Before signing up for any Citibank card, however, make sure to check what comes after those Citi card offers.

AdvisoryHQ’s Selection Methodology

What methodology does AdvisoryHQ use in selecting and finalizing the credit cards, financial products, firms, services, and products that are ranked on its various top rated lists?

Please click here “AdvisoryHQ9rsquo;s Ranking Methodologies” for a detailed review of AdvisoryHQ’s selection methodologies for ranking top rated credit cards, financial accounts, firms, products, and services.

Detailed Review – Top Ranking Best Citibank Cards

Below, please find the detailed review of each credit card on our list of the top Citi cash card and Citi travel card. We have highlighted some of the factors that allowed these Citibank cards to score so highly in our selection ranking.

Citi Diamond Preferred® Card Review

The Citi Diamond Preferred® Card is one of the most chosen Citibank cards on the market today. The 0% intro APR is basically a zero-interest loan for almost two years. Hundreds of people have taken advantage of this Citibank rewards card to avoid the banks and gradually pay off debt without any sort of interest fees.

How many citi cards can you have

After the introductory APR on this best Citi card expires, you will still enjoy a variable APR between 12.24% – 22.24% according to your credit score. Furthermore, there is no annual fee with this best Citi card.

Furthermore, as with other Citibank cards, the Diamond Preferred Card allows you to choose your monthly due date according to your own personal financial schedule and pay day. This unique feature comes in handy for people on a tight budget who are living paycheck to paycheck.

Another of the top Citibank cards is the Citi Simplicity® Card. This best Citi card also comes with a 0% intro APR for 21 months, including purchases and balance transfers.

How many citi cards can you have

If you have built up an unhealthy amount of debt on a card that is charging you an arm and a leg in interest, you might be able to devise a perfect plan to escape from the debt through changing to this best Citi card and sticking to a payment plan over the 21-month no interest intro period.

Furthermore, among Citibank cards, the Citi Simplicity® Card is unique in that it comes with absolutely no late fees, no penalty rate, and no annual fee. If you are looking for a card that will give you great access to credit without miring you in hidden payment schemes, this Citibank card is a great option, hands down.

Citi ThankYou® Preferred Card for College Students Review

If you are a college student, the Citi ThankYou® Preferred Card for College Students is one of the best Citibank cards for you. The 0% introductory APR on this card only lasts for 7 months, but the regular APR for purchases starts at 14.24%, which is a low rate, especially for college-aged students who don’t have the greatest credit histories.

How many citi cards can you have

Furthermore you can earn 2,500 bonus ThankYou® Points after spending $500 within the first three months of opening your account.

This bonus is a way for Citibank to try and sway young clients to stay with them over the long term. Furthermore, with this best Citi card, you will earn rewards on all purchases that you make.

For people who are looking for the best Citi cash card or Citibank rewards card, the Citi® Double Cash Card is a great option. With this quality Citi cash card, you can earn, as the name says, double the amount of rewards.

How many citi cards can you have

You can earn 1% on purchases and 1% as you pay for those purchases on this best Citi card. This is one of the only credit cards that will pay you rewards not only when you make the purchase, but also when you pay off your balance either in full or over monthly payments.

Furthermore, with this best Citi card, you can also benefit from a 0% introductory APR on balance transfers for 18 months. To get this deal, you have to complete the balance transfer within four months of opening the account.

The Citi® Secured MasterCard® is by far the best Citi card for people with bad credit. With this quality Citibank card, you can start the process of rebuilding your credit.

How many citi cards can you have

If you have been trying to get a better rate on a home or car loan, this is the best option among Citibank cards to quickly build credit through responsible use of the card.

There is no annual fee associated with this best Citi card for rebuilding credit and for low credit. To get a credit line, you simply have to provide a security deposit anywhere between $200 and $2,500. After 18 months of responsible use of this Citibank card, your security deposit will be returned and you should be able to apply for other Citibank cards, such as a Citi travel card or a Citi rewards card.

CitiBusiness® / AAdvantage® Platinum Select® World MasterCard® Review

For businesses that fly frequently, the CitiBusiness® / AAdvantage® Platinum Select® World MasterCard® is a quality Citibank card that will allow you to gain serious rewards and miles. With this Citi travel card, you and your business can earn 30,000 American Airlines AAdvantage® bonus miles after spending $1,000 in purchases within the first three months of opening your account.

How many citi cards can you have

Furthermore, this top Citi Bank travel card comes with a low 15.49% APR and absolutely no foreign transaction fees. On American Airlines flights, this best Citi card will also allow you one free checked bag and Group 1 boarding preference. Furthermore, you will receive free employee cards so that they can also earn miles from American Airlines.

This Citi cash back card review has looked at some of the top features of the best Citibank cards on the market today.

There is a best Citi card available for whatever your financial situation may be and however you plan to use your Citibank card.

Reasonable efforts have been made to present accurate information, however all info is presented without warranty. Review AdvisoryHQ’s Terms for details. Also review each firm’s site for the most updated data, rates and info.

Note: Firms and products, including the one(s) reviewed above, may be our affiliates. Click to view our advertiser disclosures.


How to Compute the Citibank Credit Card Interest Charge

Getting a credit card?

What do you look for in a credit card? Discounts, rebates, rewards points or perhaps miles, can all attract a Filipino. But are these the most important factors to check.

While credit cards have gained popularity over the years, Filipinos have mixed feelings about it. Some are excited to use these plastic cards to go shopping spree. Others view it as a ticket to spiraling debts.

Credit cards are actually two-edged swords. While it gives exciting benefits, it is also a huge financial responsibility since it has high-interest rates and other fees which you must know.

Citibank also offers various credit cards. Each has its own appeal. On the other hand, arm yourself with the knowledge on how you will be charged with its interests.

In this article, you will learn how Citibank computes the credit card interest charge.

I am not spoiling the fun. First, we’ll see what Citibank Credit Cards have to offer.

Get a maximum rebate of 6% if you purchase a minimum amount of P10,000 on non-supermarket and non-Meralco payments. Take note that if you do not reach the required minimum purchase, you can only get 0.20% rebate. You can use your rebates for supermarket purchases and Meralco bills.

You need to spend at least P10,000 on outstore purchases to get up to 5% rebate on Shell fuel products. You can also get up to 5% rebates on toll fees South Luzon Expressway and North Luzon Expressway and all auto shop repairs.

If you spend less than P10,000, then you can only get 3% rebates for Shell Fuel purchases. You will not have the Toll Rebate and Auto Shop Rebate.

Outstore spends include purchases in dining, supermarket, health, shopping and utilities. Take note that the rebates are capped up to P10,000 a year.

Get up to 10% rebate on Mercury Drug purchases and hospital bills for a minimum spend of P10,000 on non-Mercury products. You’ll get 5% rebates if you spend at least P5,000. Any purchase below P5,000 will give you 2% rebates. The rebates are capped at P800 per billing statements.

You can earn miles for as low as P30 and redeem for flights and hotel stays instantly. Access complimentary international airport lounge and you may enjoy 24/7 Visa Signature Concierge service.

Cardholders of this card can earn never-expiring rewards points. Every P30 is equivalent to 1 Reward Point. Points are multiplied to three when you shop, dine or book Cebu Pacific tickets. the points may also be converted to annual fees.

This card gives a complimentary fourth night. This means that if you book for four nights, you just need to pay for the three. It also comes with unlimited complimentary access to over 800 VIP airport lounges worldwide through Priority Pass™.

Citibank Credit Card Promo

  • Up to 50% off at Bubba Gump (Valid until June 30, 2017)
  • Up to 75% off at Klook Travel (Valid until December 31, 2017)
  • New UBER users can get 2 free rides up to P150 each when they use the promo code: NEW2UBER.

Citibank Credit Card Features

This feature allows you to transfer your existing non-Citi credit card balances to your Citibank credit card. The amount will be charged on your credit limit. This means that the amount you request for balance transfer must not exceed the credit limit of your Citi Credit Card.

You will be charged with a disbursement fee of P250. The cancellation fee is 4% of the approved amount.

You can pay for select goods in installments. The applicable interest rates and other fees may vary depending on the particular Citi PayLite merchant. Upon charging, the whole price of the item will be credited from your credit balance. Then you can regain you credit balance gradually as you pay your installments each month.

  • Citi PayLite After Purchase Facility

This gives you the ability to convert a straight single-receipt Retail Transaction to an installment transaction.

You can withdraw cash with your Citi Credit Card. Get your requested amount through checking/savings account, or in the form of a Manager’s Check. Citi Call for Cash Manager’s Check Delivery is charged with P50. Cancellation will incur 4% of the unbilled requested amount.

Get cash from ATMs with your Citi Credit Card. Think of this as an instantly approved loan. However, take note that you will be charged with the monthly interest rate of 3.64%. The interest rate is apart from the Citi Cash Advance Service Charge which is P500 or 3% of Citi Cash Advance Amount. You will be charged on a daily basis until you settle the full amount and corresponding fees.

Step 1 Check your bill. You will see the daily balance.

Multiply each daily balance by the daily Interest rate. The daily interest rate is the monthly Interest rate divided by 30. You will get the daily interest charge.

Do not compute Interest on any credit balance. If there is a balance, let it be.

Step 2 Repeat Step 1 for each day in the billing period.

Step 3 Add all the daily Interest. That will be the total Interest for the billing period.

Step 4 For Retail Interest only: If you pay the total amount due each month. There will be no charged interest.

If you pay the total amount due each month. There will be no charged interest.

If you have a balance, the Total Interest for the billing period computed in Step 3 is added to the Overdue Interest from the previous billing period.

If you pay on time, you will not be charged with the interest rate, however, if you use the other features, expect to pay more fees and charges. Take the time to learn other possible charges to avoid bill shock.

Also do not get carried away with the features, rebates, rewards and miles. These have terms and conditions to be satisfied. They are used to encourage you to spend more when in fact you must focus on an option that gives benefits while taking care of things you actually need.

If you need to make an immediate purchase, but you do not have enough cash, then you can just get an online personal loan from Cash Mart. Cash Mart offers quick cash loans with flexible payment options.

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