Credit Card Blues By Chris Kong on Jul 05, 2008 - Updated Sep 18, 2011

I was offered to sign up for a credit card and since Citibank is worldwide I signed in for it with 2 years membership waived and they gave me a credit limit of RM 15 000. I seldom used this card because there is no Citibak in my city and making payment is very troublesome. I need to go to another bank to make a bank transfer .

May this year I needed to make online air tickets purchase totalling RM 5000+. My other credit card (that I usually use ) credit limit is not enough for the purchase hence I have no chopice but to use Citibank Credit card. When the statement came , to my horror , they charged me an extra charge of RM 36.58 as charges of Credit sheild plus which I never take up with them. I rang them and emailed them to tell them that I am not going to pay that extra amount. After much effort on my part , Citibank agrees to waive that extra amount and I paid up all what I owed them. I thought that everything is okay by then.

No, it was not okay because when the following month statement came , it said I still owed them RM 0.26 as financial charges!!.What the heck!!!If I pay them , the bank charges will be more than that RM0.26!!Moreover this is my spare card and I rarely use it for purchasing things. Hence I ring them up again from my city to Kuala Lumpur which is considered as national call. After much explanation, they decided to waived off that RM 0.26 - financial charges.

Finally this month the new statement says I have a credit of RM 0.01. When the free membership expires next month I am going to return back the credit card to Citibank and will never ever apply another card again!!