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fatalshak
09-11-2005, 04:40 PM
Please beware that if you lose your credit card or someone steals it, you are still liable for all the charges.

My wife recently lost her Citibank Gold card but she didnt realize it till the next day. Unfortunately, someone found it and made a charge to her card.

So, as a diligent cardholder, I made a report early in the morning to the Bank. And at the same time informed them of the charge which was not made by us.

They made us fill in a dispute form. After investigation and without any proof, they came back with horrid letter citing clauses in the T&C and basically said we were negligent.

fatalshak
09-11-2005, 04:48 PM
So now we are liable to pay for a charge that we didnt make. Citibank's explanation is that the charge was made with their card so its valid.

Don't they teach these credit card issuers Customer Service?

Ski
09-11-2005, 04:50 PM
Please beware that if you lose your credit card or someone steals it, you are still liable for all the charges.




I am very aware of this. I think its also applicable to Maybank and many other Card finances too. I lost my purse I had to pay for charges for three of them and my Atm cards too, my fault being careless, I have to pay the penality. And also it is stated in your monthly statement,RM50 charges for lost cards.

Why,you surprised?

fatalshak
09-11-2005, 04:56 PM
I am very aware of this. I think its also applicable to Maybank and many other Card finances too. I lost my purse I had to pay for charges for three of them and my Atm cards too, my fault being careless, I have to pay the penality.

Why,you surprised?

Yes, I spent 15 years in US, using the same Citibank card where the bank understands that a fraudulent charge is exactly what it means. The bank stands by its cardholder not the merchant.

Isnt it the merchant responsibility to check that the signature matches the credit card?

orchipalar
09-11-2005, 05:09 PM
Yes, I spent 15 years in US, using the same Citibank card where the bank understands that a fraudulent charge is exactly what it means. The bank stands by its cardholder not the merchant.

Isnt it the merchant responsibility to check that the signature matches the credit card?

Err...FatalShak:)...Orchi feels your predicament...but most likely the signature could be forged...But then again...how many times merchants ask us for IDs for verification purposes?...hardly any:o

Unless...the price is bigger amount :)

Ski
09-11-2005, 05:13 PM
I have noticed in most of the shops where I use my credit card none of the cashiers verify my signature, and this frightens me, so how?

orchipalar
09-11-2005, 05:17 PM
I have noticed in most of the shops where I use my credit card none of the cashiers verify my signature, and this frightens me, so how?

Err...dear Ski:)...n now ya can feel where Fatalshak is coming from...:o

Hence in this particular scenario...IT's clearly the fault of the merchant...period

So...FatalShak:)...ya have a good ground as your basis of argument :)

CCY
09-11-2005, 05:18 PM
Err...FatalShak:)...Orchi feels your predicament...but most likely the signature could be forged...But then again...how many times merchants ask us for IDs for verification purposes?...hardly any:o

Unless...the price is bigger amount :)

Orchi...would you frown if every purchase you make and you are being asked for identity verification ..big or small ? Or you will thank them for doing their job to ensure that you are the bonafide holder . Talking about signature forgery ...if you give a signature to my 8 yr old kid ...he will get 90% close to your actual in five minutes practise..:p

orchipalar
09-11-2005, 05:24 PM
Orchi...would you frown if every purchase you make and you are being asked for identity verification ..big or small ? Or you will thank them for doing their job to ensure that you are the bonafide holder . Talking about signature forgery ...if you give a signature to my 8 yr old kid ...he will get 90% close to your actual in five minutes practise..:p

Err...buddy CCY:)...IF allowed to...Orchi would kiss the hands of the cashiers...should they practise it for amounts larger than 100 bucks...:)

clfoo
09-11-2005, 06:52 PM
They made us fill in a dispute form. After investigation and without any proof, they came back with horrid letter citing clauses in the T&C and basically said we were negligent.
this $hitybank is good at bullying consumer using T&C or break the T&C as and when they like, and provide your info to 3rd parties as well, say TAK NAK to the useless rm195 yearly fee $hitybank goldcard which even offer less benefit than their cheaper clear card. Now u learned the lesson so better stay away from them altogether, there r lotta free card outthere waiting for u which is much more convenience in making payment.


Isnt it the merchant responsibility to check that the signature matches the credit card?
i can see u got a case here, see them in consumer tribunal court.

cleomae
09-11-2005, 08:51 PM
Bring this up with Michael Chong. He will have ways to get it sorted. One of my friends managed to get this solve when Michael Chong had the issue posted on the dailies. He needs not to pay a single sen as the signature was not his.

cleomae
09-11-2005, 08:57 PM
Bring this up with Michael Chong. He will have ways to get it sorted. One of my friends managed to get this sorted with the help of Michael Chong.

fedup
09-11-2005, 10:38 PM
if you are not matured enough don't apply and use a credit card. The rules are very clear you are liable till the minute you report the lost of your card and for all those who don't agree don't apply for one. Typical of malaysia boleh products to complaint about what a raw deal they are getting when all the fault lies within themselves. grow up man & stop making unjustified complaints.If you so careless as to loose your credit card then just paid for all those chargesa & shup up :mad:

orchipalar
10-11-2005, 11:21 AM
Please beware that if you lose your credit card or someone steals it, you are still liable for all the charges.

My wife recently lost her Citibank Gold card but she didnt realize it till the next day. Unfortunately, someone found it and made a charge to her card.

if you are not matured enough don't apply and use a credit card. The rules are very clear you are liable till the minute you report the lost of your card and for all those who don't agree don't apply for one. Typical of malaysia boleh products to complaint about what a raw deal they are getting when all the fault lies within themselves. grow up man & stop making unjustified complaints.If you so careless as to loose your credit card then just paid for all those chargesa & shup up :mad:
Err...dear Fedup:)...Orchi sees FatalShak...has NOT been that unreasonable...to warrant the sorta unfavorable personal remarks...coming from you...err...is it necessary? :confused:

fatalshak
10-11-2005, 11:41 AM
if you are not matured enough don't apply and use a credit card. The rules are very clear you are liable till the minute you report the lost of your card and for all those who don't agree don't apply for one. Typical of malaysia boleh products to complaint about what a raw deal they are getting when all the fault lies within themselves. grow up man & stop making unjustified complaints.If you so careless as to loose your credit card then just paid for all those chargesa & shup up :mad:

I guess you work for either ****tyBank or some other bank. If you bother to check how this works in DEVELOPED COUNTRIES, nearest being Singapore, cardholders are not liable. That's why we have insurance?

Excuse me if I am not prepared to join you in bending over and getting stuffed by banking institutions :rolleyes:

kudat
10-11-2005, 12:02 PM
once Citibank charged me more than what i actually signed on sales chit, and when i told them they said they will do me a favour by checking on the transcation.

so i cut the card in half and fax it back to them... and to cap the story, they called me, asked why, and when i told them the reason, they have the gall to say...

'.. dont worry, one day you will come back to us'...

my goodness.... :eek: :eek: :eek:

CCY
10-11-2005, 12:07 PM
so i cut the card in half and fax it back to them... and to cap the story, ...

my goodness.... :eek: :eek: :eek:

It's still usable with the new emv chip version wat...:D:D

KH EE
10-11-2005, 12:15 PM
'.. dont worry, one day you will come back to us'...

this may ring true come 2008, i'm afriad... :eek: :confused: :o :mad: :(

newbies
10-11-2005, 02:12 PM
i knew citibank sucks more than 3 years ago when i just cancelled the card and settled all the outstanding amount...............

they are nice to you if you dont give them trouble....

Ski
10-11-2005, 02:17 PM
Does anyone know how to apply for citibank credit card...got any promotions in any of the Malls nearby? I need their card for overseas trips.

Tq

PJS
10-11-2005, 02:25 PM
Is there any particular reason u need to have only "Citibank" card? For a promotional discount or something??

For general usage overseas, you don't need Citibank card. Any of the local bank's credit cards can be used overseas without any problems. Unless it is one of those MBF local-use-only cards.

There is no difference btw any bank's Visa/Mastercard in term of worldwide acceptance or recognition. It is only in Citibank promotion's campagin that gave the impression that only their card is accepted worldwide, pure BS, I say! :mad:

PJS
10-11-2005, 02:31 PM
And if u really MUST have a Citibank card, u can always apply online at their website, they r very proud of their instant approval kind of thing mar..... :D Let us know your experience once u got it :)

Ski
10-11-2005, 04:07 PM
Is there any particular reason u need to have only "Citibank" card? For a promotional discount or something??

For general usage overseas, you don't need Citibank card. Any of the local bank's credit cards can be used overseas without any problems. Unless it is one of those MBF local-use-only cards.

There is no difference btw any bank's Visa/Mastercard in term of worldwide acceptance or recognition. It is only in Citibank promotion's campagin that gave the impression that only their card is accepted worldwide, pure BS, I say! :mad:

I think i will go to their HQ in Ampang and do it as my Am bank credit card is going to expire soon, mah!! and I have opted Citibank a well reputed recognised bank and for personal reasons.
I like banks which are stringent and with efficient professional staff but friendly, I wouldnt have any problems. ;)

kokomo
10-11-2005, 04:10 PM
Does anyone know how to apply for citibank credit card...got any promotions in any of the Malls nearby? I need their card for overseas trips.

Tq

If u need credit card for overseas , i suggest Maybank / HSBC .. perfectly no problem at all. Furthermore , their branch is juz in taipan here .. so convenient to make payments and apply any cards u wan ...

Give it a try!!! ;)

Ski
10-11-2005, 04:17 PM
If u need credit card for overseas , i suggest Maybank / HSBC .. perfectly no problem at all. Furthermore , their branch is juz in taipan here .. so convenient to make payments and apply any cards u wan ...

Give it a try!!! ;)

Thanks for your suggestion. I have Maybank card too but i was disappointed on one my overseas trip, my friends Citibank's card was accepted but not my Maybank card, so not taking any chances this time.

gtl
10-11-2005, 04:29 PM
ski, takes an international bank's credit card for overseas travel is definately prudent.

DatinLawa
10-11-2005, 04:37 PM
fedup

i dunno who is fatalshak but i think you should not just simple throw sarcastic remarks over an issue you hardly understand.

ski

you could easily find out the promotions citybank is currently having by making a phone call to them since you said they are so professional and friendly. they might give you an instant free gift while you call! instead, you choose to add salt to fatalshak's wound in this thread.

what's wrong with you people?

Ski
10-11-2005, 04:44 PM
fedup

i dunno who is fatalshak but i think you should not just simple throw sarcastic remarks over an issue you hardly understand.

ski

you could easily find out the promotions citybank is currently having by making a phone call to them since you said they are so professional and friendly. they might give you an instant free gift while you call! instead, you choose to add salt to fatalshak's wound in this thread.

what's wrong with you people?

Sorry I will take note of your concern..my mistake of course i shuld have open a new thread.
TQ

DatinLawa
10-11-2005, 04:47 PM
no hard feeling mate, you are such a sport.

PJS
10-11-2005, 05:07 PM
Thanks for your suggestion. I have Maybank card too but i was disappointed on one my overseas trip, my friends Citibank's card was accepted but not my Maybank card, so not taking any chances this time.

Actually hor, it depends on your spending pattern also... Some banks have these intelligent software where they will red flag any unusual transactions, especially large amounts, or overseas transactions. Citibank is one of the pioneers in this type of preventive screening, and now most banks hv it.

I've nvr had any problems with my Maybank cards overseas, be it in Europe or Asia. But just to be safe, give them a call b4 your trip to let them know that u will be spending a lot of money overseas so they won't ring up your handphone(if u hv it on roaming) to verify your transactions, or block your card after your used it for the first time overseas if they suspected fraud. Maybe, there is a chance some merchants had bad experience with certain bank's card due to the proliferation of credit card frauds(u know those Malaysians crooks r famous for fake cards, they always taint our reputation internationally ... :( ) that cause them to decline certain cards from certain countries...

PJS
10-11-2005, 05:14 PM
There was once, the CC centre called me up n told me my card had been blocked due to suspected activities and told me to hilite any unauthorised charges if any appeared in my next statement. They won't tell me what it is, such secrecy! :rolleyes: A new card was promptly issued and no funny charges appeared in my next few statements. Kudos to them. :)

If I was out of reach at the time and tried to use my card that is already blocked, surely would be pissed off man!

*sidetracked: this story is not a related to citibank.

Ski
11-11-2005, 10:23 AM
Actually hor, it depends on your spending pattern also... Some banks have these intelligent software where they will red flag any unusual transactions, especially large amounts, or overseas transactions. Citibank is one of the pioneers in this type of preventive screening, and now most banks hv it.

I've nvr had any problems with my Maybank cards overseas, be it in Europe or Asia. But just to be safe, give them a call b4 your trip to let them know that u will be spending a lot of money overseas so they won't ring up your handphone(if u hv it on roaming) to verify your transactions, or block your card after your used it for the first time overseas if they suspected fraud. Maybe, there is a chance some merchants had bad experience with certain bank's card due to the proliferation of credit card frauds(u know those Malaysians crooks r famous for fake cards, they always taint our reputation internationally ... :( ) that cause them to decline certain cards from certain countries...


Thanks Pjs
Taken note of your tips for future trips.
Btw Maybank as numerous times called me and verified my overseas purchases.

fatalshak
15-11-2005, 06:05 PM
I think i will go to their HQ in Ampang and do it as my Am bank credit card is going to expire soon, mah!! and I have opted Citibank a well reputed recognised bank and for personal reasons.
I like banks which are stringent and with efficient professional staff but friendly, I wouldnt have any problems. ;)

Until they stick it to you and ask you to like it cos they are ****yBank

newbies
15-11-2005, 09:11 PM
I have noticed in most of the shops where I use my credit card none of the cashiers verify my signature, and this frightens me, so how?


actually verifying your signature is not part of the transactions. For merchants what they need is approval code and someone signed the sales draft ...someone as in anyone...

if there's a dispute, you are liable also coz they would say ....who told you not to report lost/stolen card...well why else another person which is not you is holding your card...sure stolen/lost rite...

in the end, the power of credit card lies on the holder, be it spending or safe guarding them....

so be careful...

GreenBug
15-11-2005, 10:45 PM
In the case of the stupid Chatah Bank, they sent me a gold card uncolicited with the BUGS BUNNY picture on the card. At least send the one with the TASMANIAN DEVIL lah.... BTW, I returned the card pronto.... don't want to have anything to do with this stupid Chatah Bank no more.... :mad:

patrick
15-11-2005, 11:14 PM
If u need credit card for overseas , i suggest Maybank / HSBC .. perfectly no problem at all. Furthermore , their branch is juz in taipan here .. so convenient to make payments and apply any cards u wan ...

Give it a try!!! ;)

Aiyoh...not MB card please. After I had cancelled their cards, I had a nightmare when they kept charging me for sub. Until finally, I had to write to the top before the nightmare stopped. And mind you, I had taken the trouble to go down to their HQ in person to cancel the cards!! Freaking nightmare that was. NO MORE MB credit cards. THANK YOU!!

clarence
15-11-2005, 11:29 PM
Ah yeah, Patrick, you r lucky, I cancelled my Maybank cards and it took me 9 months to settled it. Charging me sub and interest upon interest. Ah yoo yoo, each months when I received the statement. I complain and no action.

patrick
16-11-2005, 05:58 PM
Ah yeah, Patrick, you r lucky, I cancelled my Maybank cards and it took me 9 months to settled it. Charging me sub and interest upon interest. Ah yoo yoo, each months when I received the statement. I complain and no action.

Ha ha...at least I wasnt the only one who had nightmare with them. Same situation here. Kept charging me interest upon interest too....Grrrrrhhh. It went on for months I not only complain....I went down to HQ in person!! I dont ever want to face another Friday 13th again!!!

fatalshak
25-01-2006, 11:34 AM
The next chapter .... Citibank and their lawyers have decided that unless the cardholder notifies them in triplicate the second that their Citibank card is missing from their possession, the cardholder is liable for every transaction.

New business idea: Alarm that is connected to your credit card. If your credit card strays from your wallet for more than 10 minutes, an alarm sounds and all credit card issuers are officially notified!

The saga continues .....

leewinnie46
25-01-2006, 09:46 PM
I too having nightmare with citibank, for a gold credit card RM190 - annual fee or XXXXX redemption point.

I called them once to cancel my card and the customer officer told me, she would discuss with the senior officer for 1 year annual fee waiver .... I told them out front that if citibank can't give me a FOC life time fee waiver card as some local bank do.... what make me so proud of being a citibank card holder when they are not proud of us being a customer.

Few days later, I called them to ask about the credit card status, the officer told me they can't advise but we the customer have to wait for 2 weeks to know the status, I then ask about the contact number, the relevant department.... but this officer is so dump to tell me that she and the senior officer also don't know.

Anyway, the redemption booklet is not as attractive as other credit card... - I prefer SBB... no annual fee, good redemption gift and if you are a good card holder, u can opt for platinum woh...

patrick
25-01-2006, 10:54 PM
I too having nightmare with citibank, for a gold credit card RM190 - annual fee or XXXXX redemption point....

Anyway, the redemption booklet is not as attractive as other credit card... - I prefer SBB... no annual fee, good redemption gift and if you are a good card holder, u can opt for platinum woh...


Me too. I am going to press Citibank for a free for life. My other cards are all foc.

The only problem with SBB is the points expire every year! That's the sad part otherwise I can charge everything to my SBB card too. What a pity!

leewinnie46
25-01-2006, 11:22 PM
patrick ,

you know ah, citibank got citibank choice card with a little redemption point being collect each time you charge and again, you need to charge twice a month...aiyah, so much of conditional....kian liao....

eventhough SBB card expire every year but come to think of it again...... I like their redemption point lah, my husband and myself charge to the same card and you got many point woh....anyway, I like my platinum..... when lah can I get a platinum supplementary card from my husband...... he sure very scare lah..

SunwayKid
25-01-2006, 11:54 PM
............The only problem with SBB is the points expire every year! That's the sad part otherwise I can charge everything to my SBB card too.........!

Patrick,

My Direct Access, issued by SBB free for life card points expires every 3 years......the next expiry is 2007. Only the virtual card expires every year. Are we on the same wavelength?

clfoo
26-01-2006, 12:22 AM
just discard citibank cards, u won't miss it a bit and happier without it ... :(

starrnorth88
26-01-2006, 12:44 AM
sad but through - you are liable for all charges until you report the lost card. all the thing about signing, microchip does not work in consumer favour. places that do not need you to be present when using the card are petrol station, internet purchase, --- man, it is so simple to cheat.

kokomo
26-01-2006, 09:31 AM
Citibank is jz way too troublsome for me .. only 1 branch in whole of KL & PJ.

Am thinkin' of applying another card , any idea which banks can approve the fastest :confused:

Sentinel
26-01-2006, 01:46 PM
Citibank is jz way too troublsome for me .. only 1 branch in whole of KL & PJ.

Am thinkin' of applying another card , any idea which banks can approve the fastest :confused:All the banks are the same.... read : they are all crap and BNM should step in and reform the whole freakin' system for the good of the consumers! :mad:

oblina
26-01-2006, 03:06 PM
I totally agree with you Fatalshak. But anyway I've hated $hitybank all along. When they make a blunder, they always say this crap stuff like "We don't practise favouritism OR It's against our policy to do this and that" when all along other $hity officers are pracitising it!!

orchipalar
26-01-2006, 03:14 PM
Err...if credit cards are lost in overseas...how to write-in on time? Had thought that you would only need to report missing cards by phone calls niah...:confused:

Ahem....dear Kokomo:)...should you be a shiittybank card member for more than a year with a good payment record...any other banks would be ready to offer their cards to you on short notice...err...Orchi once got a card within 2 weeks(by mail) from date of submission. :)

kokomo
26-01-2006, 03:23 PM
Ahem....dear Kokomo:)...should you be a shiittybank card member for more than a year with a good payment record...any other banks would be ready to offer their cards to you on short notice...err...Orchi once got a card within 2 weeks(by mail) from date of submission. :)

Orchi, all tis while the only bank kept on offering me cards is BCB & Citibank .. but I dun wan their cards ..

But now start to think of it .. should hv taken the offer from BCB .. they sent me a card informing me, I've a pre-approve gold card & reason I rejected them also b'cos their service ain't so good!

patrick
26-01-2006, 10:27 PM
Patrick,

My Direct Access, issued by SBB free for life card points expires every 3 years......the next expiry is 2007. Only the virtual card expires every year. Are we on the same wavelength?

Yes and no! Yes, mine is Direct Access too. But no, my points expire this Sept ...14th to be exact. Last day to redeem is 14/10! I am positive my points expire yearly. Maybe mine is Gold and yours is Plat?

DatinLawa
13-02-2006, 10:05 AM
something i received in my mailbox today... it's funny hence i'm here to share... it's just a joke and please dun take it too seriously... :)

It's all about money for ctBank Credit Cards when you die...... This Is too funny! It takes all kinds to make the world go round. Be sure and cancel your credit cards before you die. This is easy to see happening, customer service being what it is....

*****
My Aunt died this past January. ctbank billed her for February and March for their monthly service charge on her credit card, and then added late fees and interest on the monthly charge... the balance had been $0.00...

Now it was somewhere around $60.00. I placed the following phone Call to ctBank:

Me: "I am calling to tell you that she died in January."
ctBank: "The account was never closed and the late fees and charges still apply."
Me: "Maybe, you should turn it over to collections"
ctBank: "Since it is 2 months past due, it already has been."
Me: "So, what will they do when they find out she is dead?"
ctBank: "Either report her account to the frauds division, or report her to the credit bureau maybe both!"
Me: "Do you think God will be mad at her?"
ctBank:"...excuse me...?"
Me: "Did you just get what I was telling you... the part about her being dead?"
ctBank: "Sir, you'll have to speak to my supervisor!"(Supervisor gets on the phone)
Me: "I'm calling to tell you, she died in January."
ctBank: "The account was never closed and the late fees and charges still apply."
Me: "You mean you want to collect from her estate?"
ctBank: ".....(stammer)" ".... Are you her lawyer?"
Me: "No, I'm her great nephew." (Lawyer info given... )
ctBank: "Could you fax us a certificate of death?"
Me: "Sure." (Fax number is given) (After they get the fax.)
ctBank: "Our system just isn't setup for death"
Me: "Oh..."
ctBank: "I don't know what more I can do to help.."
Me: "Well...if you figure it out,great! If not, you could just keep billing her... I suppose... Don't really think she will care...."
ctBank: "Well...the late fees and charges do still apply."
Me: "Would you like her new billing address?"
ctBank: "That might help."
Me: "Nilai Memorial Park Cemetery (North South Highway and plot number given.)
ctBank: "Sir, that's a cemetery!"
Me: "What do you do with dead people on your planet?"