I feel citibank cashback rewards all like shit now.
But i got those mthly stuff stuck with them
I'm chao peasant so it's Posb everyday card :(
Every yr annual fee instant waiver somemore :(
Quote from: default on Aug 30, 2024, 01:17 PMI feel citibank cashback rewards all like shit now.
But i got those mthly stuff stuck with them
dun wan credit kad.. just use the nets can liao..
:frown:
Quote from: default on Aug 30, 2024, 01:17 PMI feel citibank cashback rewards all like shit now.
But i got those mthly stuff stuck with them
I m using Citibank rewards card lei
I don't really care what they hv cos I just using for day to day spending
Bus mrt
Purchases
Ntuc
Giant
Food
E merchants lzd shopee etc
The rest I use PayLah
Cash
Quote from: peaceheart on Aug 30, 2024, 01:39 PMI'm chao peasant so it's Posb everyday card :(
Every yr annual fee instant waiver somemore :(
I used to hv it but I end up finding all stick to one card easier to manage and tally bills
If use more than one card easier to miss payment
So I 99% use Citi
1-2 txn only use cimb—- don't even remb how I sign up w them but they don hv annual fee
No promotion
Nothing
Quote from: default on Aug 30, 2024, 01:17 PMI feel citibank cashback rewards all like shit now.
But i got those mthly stuff stuck with them
monthly I pay fr my savings ac nv charge to cr card
Quote from: jim889 on Aug 30, 2024, 01:41 PMdun wan credit kad.. just use the nets can liao..
:frown:
Got payment linked to it, like google suite and i think dunno town council or what
Quote from: EncourageSome1 on Aug 30, 2024, 05:09 PMI used to hv it but I end up finding all stick to one card easier to manage and tally bills
If use more than one card easier to miss payment
So I 99% use Citi
1-2 txn only use cimb—- don't even remb how I sign up w them but they don hv annual fee
No promotion
Nothing
Ya thats why. But citi rly suck i feel. The reward points and cashback rly seem like reduced?
Quote from: EncourageSome1 on Aug 30, 2024, 05:09 PMI used to hv it but I end up finding all stick to one card easier to manage and tally bills
If use more than one card easier to miss payment
So I 99% use Citi
1-2 txn only use cimb—- don't even remb how I sign up w them but they don hv annual fee
No promotion
Nothing
Same here. Posb everyday card as credit card and ezlink. Nets and atm also can I think but I nv use them before
Also not much promo but sheng siong 5% rebates
Quote from: peaceheart on Aug 30, 2024, 06:07 PMSame here. Posb everyday card as credit card and ezlink. Nets and atm also can I think but I nv use them before
Also not much promo but sheng siong 5% rebates
My side Sheng Siong not near me 😞
Quote from: default on Aug 30, 2024, 01:17 PMI feel citibank cashback rewards all like shit now.
But i got those mthly stuff stuck with them
Of cos the amex centurion black card best kah
trust card... no annual fees :s13:
plis use moi referral NG6V8CXB
Quote from: default on Aug 30, 2024, 05:36 PMGot payment linked to it, like google suite and i think dunno town council or what
town cowcer can pay cash. just go to their orphic..
:flash:
Quote from: jim889 on Aug 30, 2024, 06:44 PMtown cowcer can pay cash. just go to their orphic..
:flash:
Now everything can online liao leh......just do a bank xfer....
Quote from: peaceheart on Aug 30, 2024, 06:55 PMNow everything can online liao leh......just do a bank xfer....
cash ish king
:flash:
Quote from: default on Aug 30, 2024, 05:37 PMYa thats why. But citi rly suck i feel. The reward points and cashback rly seem like reduced?
I lkk cheapskate one
They usu let u redeem points
So my spending mthly abt
400-1500 (tel:400-1500) rebate actual paid $ into points that can offset part of the bill eg 2-10 dollar etc
Quote from: jim889 on Aug 30, 2024, 06:57 PMcash ish king
:flash:
Esp when atm and ibanking is down hahaha
Quote from: sTiCkY on Aug 30, 2024, 06:35 PMtrust card... no annual fees :s13:
plis use moi referral NG6V8CXB
Trust card is by which org or whc bank a ? Useful not ?
Quote from: bsg on Aug 30, 2024, 06:26 PMOf cos the amex centurion black card best kah
Got what thg better than Citi card ?
Quote from: EncourageSome1 on Aug 30, 2024, 07:42 PMTrust card is by which org or whc bank a ? Useful not ?
Standard Chartered Bank (Singapore) Limited (SCBSL) owns 60% of Trust. SCBSL, is an indirect wholly
owned subsidiary of Standard Chartered PLC (SC PLC). BetaPlus Pte. Ltd. (BetaPlus) owns 40% of Trust.
BetaPlus is a direct subsidiary of NTUC Enterprise Co-operative Limited.
as useful as any credit card hahaha.. exchange rates are good... so online and overseas spending can save a bit... now got 1% cashback card which is :crazy:
Quote from: EncourageSome1 on Aug 30, 2024, 07:41 PMEsp when atm and ibanking is down hahaha
who tell chiu to bank with dbs
:s13:
Quote from: jim889 on Aug 30, 2024, 08:09 PMwho tell chiu to bank with dbs
:s13:
When lkk was a kid
All the bank I know was key bank 🏦
Ocbc oub the other two v far fr me so we only hv key bank
Lkk old Liao then they merge n chg n become like today
i only use those w/o annual fees
Quote from: EncourageSome1 on Aug 30, 2024, 10:10 PMWhen lkk was a kid
All the bank I know was key bank 🏦
Ocbc oub the other two v far fr me so we only hv key bank
Lkk old Liao then they merge n chg n become like today
now it becum lakshimi bank chiu steel go
moi go umbrella brand nose such issues
:s13:
Quote from: jim889 on Aug 31, 2024, 11:23 AMby default will approve.. they only charge those who are lazy or didnt ask
:frown:
There are quite a few threads in edmw where waivers are rejected
Quote from: peaceheart on Aug 31, 2024, 11:31 AMThere are quite a few threads in edmw where waivers are rejected
with their bad publicity.. moi think they leecently change policy
:s13:
Quote from: jim889 on Aug 31, 2024, 11:23 AMby default will approve.. they only charge those who are lazy or didnt ask
:frown:
they rejected mine until i call in coz they say i nv use it
Quote from: default on Aug 31, 2024, 12:32 PMthey rejected mine until i call in coz they say i nv use it
so did they approve after chiu call in?
:s11:
Quote from: jim889 on Aug 31, 2024, 12:44 PMso did they approve after chiu call in?
:s11:
ya
Quote from: default on Aug 31, 2024, 12:48 PMya
moi oredi said by default will approve.. they only charge those who are lazy or didnt ask
:frown:
:flash:
Quote from: jim889 on Aug 31, 2024, 03:58 PMmoi oredi said by default will approve.. they only charge those who are lazy or didnt ask
:frown:
:flash:
His request was rejected at first, only approved after calling in which is his 2nd try
So it's not really by default for his case
Quote from: peaceheart on Aug 31, 2024, 04:37 PMHis request was rejected at first, only approved after calling in which is his 2nd try
So it's not really by default for his case
they miss him mah.. wanna her his voice
:s13:
Quote from: sTiCkY on Aug 30, 2024, 08:05 PMStandard Chartered Bank (Singapore) Limited (SCBSL) owns 60% of Trust. SCBSL, is an indirect wholly
owned subsidiary of Standard Chartered PLC (SC PLC). BetaPlus Pte. Ltd. (BetaPlus) owns 40% of Trust.
BetaPlus is a direct subsidiary of NTUC Enterprise Co-operative Limited.
as useful as any credit card hahaha.. exchange rates are good... so online and overseas spending can save a bit... now got 1% cashback card which is :crazy:
SCB i ve used for 1/2 yr before they online v user-UnFriendly so i prefer any other bank even cimb over scb
betaPlus don t really know
NTUC prices ups a lot since post covid vs other supermarkets so trying not to support em much if i m free and can detour to other places
Thanks didi. will consider when i go oversaes more often :) :s36: :s36:
now can only access fr PC, my phone doesnt work w this site anymore
Quote from: jim889 on Aug 31, 2024, 03:58 PMmoi oredi said by default will approve.. they only charge those who are lazy or didnt ask
:frown:
:flash:
if u mean cr card, ocbc doesn t waive even if u asked.
so i cancelled em both , anyway i m also not really using ocbc card. so nvm they dont want to waive
Quote from: peaceheart on Aug 31, 2024, 11:31 AMThere are quite a few threads in edmw where waivers are rejected
think we dont spend enuf on the card w them. if u use enuf say more than x $ per mth pr y $ per yr they dont mind.
for toopid citi , they ever declined. so i cancelled the card. 3 week of cancellation their don t know what mgr called back n asked to reinstate please they waiving every fee/charge /interest , i said "i alr appealed in phone and in app twice , your teammate says it is declined and i say go ahead cancel" . so after 3.1 week it revived and sent me a new card again.
Quote from: EncourageSome1 on Aug 31, 2024, 06:05 PMSCB i ve used for 1/2 yr before they online v user-UnFriendly so i prefer any other bank even cimb over scb
betaPlus don t really know
NTUC prices ups a lot since post covid vs other supermarkets so trying not to support em much if i m free and can detour to other places
Thanks didi. will consider when i go oversaes more often :) :s36: :s36:
now can only access fr PC, my phone doesnt work w this site anymore
they are a bank by themselves... just that investors are the 2 of them
Quote from: jim889 on Aug 31, 2024, 08:58 AMnow it becum lakshimi bank chiu steel go
moi go umbrella brand nose such issues
:s13:
brolly brand who siol ?
anyways, best to hv them into some investmt or growing thg than stay w bank or biscuit tin
Quote from: EncourageSome1 on Aug 31, 2024, 06:09 PMthink we dont spend enuf on the card w them. if u use enuf say more than x $ per mth pr y $ per yr they dont mind.
for toopid citi , they ever declined. so i cancelled the card. 3 week of cancellation their don t know what mgr called back n asked to reinstate please they waiving every fee/charge /interest , i said "i alr appealed in phone and in app twice , your teammate says it is declined and i say go ahead cancel" . so after 3.1 week it revived and sent me a new card again.
I duno how it works cos I dun spend a lot on that card too. Saw in edmw where ppl spend a lot and have good credit ratings but their waiver were rejected
Shitty bank has the worst reputation among banks imo. I closed my account with them long ago
Quote from: EncourageSome1 on Aug 31, 2024, 06:11 PMbrolly brand who siol ?
anyways, best to hv them into some investmt or growing thg than stay w bank or biscuit tin
chiu slowly find out rah
:s13: :s13:
Cancel citibank a couple of months back and a few DBS CC.
Now only use POSB Everyday Card, HSBC Revolution & SC Smart Card.
SC Smart Card ( Visa ) - 6% cashback Ez Link, Mcdonald's, KFC, BK, Subway, Yakun, Netflix,Spotify,Youtube ( No minimum )
POSB Everyday Card ( Mastercard ) - 5% cashback Sheng Siong ( No minimum )
HSBC Revolution ( Visa ) - Standby
SC & HSBC $0 annual fee, POSB Everyday technically have but can be easily waived.
Quote from: peaceheart on Aug 30, 2024, 06:07 PMSame here. Posb everyday card as credit card and ezlink. Nets and atm also can I think but I nv use them before
Also not much promo but sheng siong 5% rebates
That's why i only shop at Sheng Siong. :)
Quote from: EncourageSome1 on Aug 30, 2024, 07:42 PMGot what thg better than Citi card ?
Amex black centurion lo.
I seen my boss use before.
Knn stranded overseas miss flight, make 1 phone call, got car come pick up bring go hotel then fly next day without him even lifting a finger.
Knn i tompang him together heng like siao, else Knn go until El salavador liao still dunno sia
In my possession now
All free of annual fees.
Posb everyday
Amex gold
Trust link visa
HSBC citi Ocbc Uob keep sending me those simi Kris flyer clock air mile card and ask me activate.
I never even bother.
The abv 3 cards I ok to use liao.
Trust just launch another one foc card I go backside itchy clik for fun in the app, Nabeh just approve and give
Quote from: bsg on Sep 03, 2024, 09:42 PMAmex black centurion lo.
I seen my boss use before.
Knn stranded overseas miss flight, make 1 phone call, got car come pick up bring go hotel then fly next day without him even lifting a finger.
Knn i tompang him together heng like siao, else Knn go until El salavador liao still dunno sia
Wah Heng Heng got yr boss eh !
Glad u r ok
El Salvador where a ?
There got what good to eat ?
Got waht festive nice ?
U go there sell what ?
Got rice to eat not ?
Quote from: EncourageSome1 on Sep 03, 2024, 11:25 PMWah Heng Heng got yr boss eh !
Glad u r ok
El Salvador where a ?
There got what good to eat ?
Got waht festive nice ?
U go there sell what ?
Got rice to eat not ?
Not in El Salvador per se la.
We went Panama to see our lng ship cross the new Panama canal.
Knn he want to go see all the way, end up miss our flight to us. Nabeh.
I tell him go china nearer can see the same thing. Ship take lift
Quote from: bsg on Sep 03, 2024, 09:54 PMIn my possession now
All free of annual fees.
Posb everyday
Amex gold
Trust link visa
HSBC citi Ocbc Uob keep sending me those simi Kris flyer clock air mile card and ask me activate.
I never even bother.
The abv 3 cards I ok to use liao.
Trust just launch another one foc card I go backside itchy clik for fun in the app, Nabeh just approve and give
last time posb give moi everyday card free for life... moi crazy go cancel cos wan to reduce the number of cards in moi wallet...
then now knn order again every year must do fee waiver... but order cos can double up as moi atm card... cheese pies shouldn't have cancelled it back then...
Quote from: bsg on Sep 04, 2024, 09:39 PMNot in El Salvador per se la.
We went Panama to see our lng ship cross the new Panama canal.
Knn he want to go see all the way, end up miss our flight to us. Nabeh.
I tell him go china nearer can see the same thing. Ship take lift
wahhhh Panama Canal lei
Why u go there to see lng ships ?
Buying things for them is a challenge n alws fun cos they alws need cryogenic things that Tk 4-6 months to customise
Many amazing n weird specifications ing seen before
Quote from: EncourageSome1 on Sep 05, 2024, 12:12 AMwahhhh Panama Canal lei
Why u go there to see lng ships ?
Buying things for them is a challenge n alws fun cos they alws need cryogenic things that Tk 4-6 months to customise
Many amazing n weird specifications ing seen before
Because he backside itchy listen to other people say then he just go ahead and buyed the lng carrier.
Invest in new form of green energy mah. Told him don't buy liao. Waste time one.
All the old crude carrier sell off liao, now he regret big time lo.
Moi used posb & CIMB. Usually waiver annual fee. Easy to manage.
Quote from: bsg on Sep 05, 2024, 09:24 AMBecause he backside itchy listen to other people say then he just go ahead and buyed the lng carrier.
Invest in new form of green energy mah. Told him don't buy liao. Waste time one.
All the old crude carrier sell off liao, now he regret big time lo.
Still can use a bit just more ppl change to green energy Liao mybfd
Quote from: Suntan on Sep 05, 2024, 10:52 AMMoi used posb & CIMB. Usually waiver annual fee. Easy to manage.
Cimb forever no fee lei : not meh?
Quote from: bsg on Aug 30, 2024, 06:26 PMOf cos the amex centurion black card best kah
Moi want to apply.... :s12:
I like UOB one card. Got $400 to $500 interest every mth if u put $150k inside and have salary and CC spend.
Also have $5 off $60 spend in Giant every Friday
Quote from: Mummy1234 on Oct 16, 2024, 02:06 PMI like UOB one card. Got $400 to $500 interest every mth if u put $150k inside and have salary and CC spend.
Also have $5 off $60 spend in Giant every Friday
uob lady kad reh?
:s11:
Quote from: jim889 on Oct 16, 2024, 03:08 PMuob lady kad reh?
:s11:
Not sure if as good as UOB one
Quote from: Mummy1234 on Oct 16, 2024, 03:37 PMNot sure if as good as UOB one
normal kad better than lady kad?
:eek: