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 Post subject: Re: Citibank Ready Credit
PostPosted: 17 Feb 2011, 01:08 
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Joined: 20 Oct 2008, 22:57
Posts: 5
Nak tanya sikit. Buat masa ni selain citibank ada lagi ke bank lain yang offer Clean OD?


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 Post subject: Re: Citibank Ready Credit
PostPosted: 07 Mar 2011, 10:14 
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Joined: 01 Feb 2010, 15:33
Posts: 11
Salam semua

:x Geram betuiii. hari ni dapat reply dari Citibank... "Sorry to inform that your Ready Credit application was not successful". Camne boleh reject x tau la. Pada hal, kita ada card credit lain dgn credit limit RM10k & RM22k.


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 Post subject: Re: Citibank Ready Credit
PostPosted: 15 Mar 2011, 15:20 
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Joined: 03 May 2010, 11:27
Posts: 15
10k dan 22k tuh tak balance kredit limitnya dan juga gajinya...... tuh yg saya paham.. ada calculationnya..
saya apply dengan hanya guna panggilan telifon sahaja.. dr situ leh tau layak ker tak layak... ada CC kredit limit 26K pon tak layak.
Asben CC kredit limit 9k sahaja tapi layak.. tengok gaji dan balance antara CC ... pegawai jelaskan agak pening gak nak memahamnyer... huhuuhuh..


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 Post subject: Re: Citibank Ready Credit
PostPosted: 17 Mar 2011, 08:08 
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Joined: 01 Feb 2010, 15:33
Posts: 11
agak nya betul kut. mase saya apply citibank ready credit tu guna kad kredit yang ada credit limit RM22 k, they all estimate my annual income dalam RM88k, padahal x sampai RM50k pun. nak apply semula kena tunggu after 3 months. kalau tau camni, bg kad kredit yd ada credit limit RM6k dah cukup.


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 Post subject: Re: Citibank Ready Credit
PostPosted: 28 Mar 2011, 15:56 
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Joined: 15 Mar 2010, 14:52
Posts: 26
Salam,

CRC nih mmg agak susah sket nak apply. Dia nak at least ada Credit Card yg dah lebih dari setahun. Kalau ada account CC Citibank pon still drang tak nak tgk acct tuh. The best kalau boleh jumpe agen/sales person diorang masa apply and mintak dia push untuk higher credit limit. Try lah jugak mintak interest yg minimum.
Bab interest nih subjective, upon approval. Aku macam penah dgr ''orang kate'' boleh mintak Citibank revise interest lepas dah lama pakai. Nak gak cube kot2 boleh dapat revise interest lebih rendah :D .

So far pakai CRC nih, aku boleh kate lagi bagus dari Hong Leong Essential sbb Essential nih withdrawal charge 2% pastuh still kene bayar gak daily charge (11% annual interest). ***Even the 20days interest free period*
CRC 15% annual interest (nih aku nyer approvel interest rate). Tapi takde withdrawal charge and for 30days (kalau bayar balik dalam 20days lagi murah).

Use it wisely. :ugeek:


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 Post subject: Re: Citibank Ready Credit
PostPosted: 30 Mar 2011, 15:27 
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Joined: 26 Feb 2010, 23:28
Posts: 23
Wow..... menarik gaak statement tu. Sbb sekarang saya gunakan HL Essential untuk buat cash advance. Nak tanya pendapat en aziz adakah en aziz menggalakkan client yang sedia supaya dapatatkan CRC ini bagi menggantikan CC yang sedia ada. Yelah, at least dapat juga selamatkan duit untuk bayar interest kat bank. Sejat joint AJIT nie, memang peka sikit bab2 interest :D


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 Post subject: Re: Citibank Ready Credit
PostPosted: 13 Apr 2011, 13:52 
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Joined: 15 Mar 2010, 14:52
Posts: 26
khairulnizamali wrote:
Wow..... menarik gaak statement tu. Sbb sekarang saya gunakan HL Essential untuk buat cash advance. Nak tanya pendapat en aziz adakah en aziz menggalakkan client yang sedia supaya dapatatkan CRC ini bagi menggantikan CC yang sedia ada. Yelah, at least dapat juga selamatkan duit untuk bayar interest kat bank. Sejat joint AJIT nie, memang peka sikit bab2 interest :D



Yup. Mmg fully recommended by En Aziz.
Saya baru jek lepas jumpe en aziz tempoh hari. Mmg CRC saya turut digunakan dalam cycle.


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