The Lesson I Learned from Snubbing Citibank Promo..

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 Actually, I could have gotten more... had I paid particular attention to the text message alert I received from Citibank.  In fact, I just shrugged it off and proceeded to delete it.

You see, I have been having cash purchases for my christmas shopping recently and I get to use the magic card only at shops with that payment facility, including online transactions.  But then in such cases, to avoid confusion especially come payment due dates, I limit my usage to a maximum of 2 credit cards only.. out of 6.  Unfortunately, of those 2, Citibank is not one of them.  :(

Bad move.  Few days ago, I received again a message from Citibank, this time, thanking me for spending at least P2,500 last December 12-18, 2012 and for that, I am now qualified to purchase 1 Purefoods Jamon de Bola for just P2.00.  My first reaction was, Citibank must have sent me the wrong message!  I don't remember using my Citibank card as I did not shop during that period.  But then, I purchased online a Cebu Pacific ticket costing P8,200+ and I didn't think online transactions are included in the promo.

I was wrong.  I was so bothered with that text that I checked online the terms and conditions of the said promo.  And there I found out that online transactions are not among those listed as not qualified for the promo.  Tsk! Tsk!

But then I remember, I made at least 3 more online transactions during that period that could have qualified me for another 3 Jamon de Bola.  My loss.. Well, that is the price that I have to pay for being a snub. Huhuhu!

I hope Citibank has more to offer for its credit card holders in the future.  FYI, to ensure that I won't miss any of its upcoming promo, I just clicked "Like" its FB page.  Hope that helps.  Huhuhu

Thanks Citibank!

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I called up Citibank last Monday to request for the reversal of my annual fee of P2,800.  I admit I was nervous because I was unsure if my request will be granted considering that I rarely use my Cebu Pacific card.

I repeatedly asked the customer service representative of what remedies do I have for them to waive the annual fee.  And she politely answered that I have none.. Huhuhu!

Actually, I could afford to lose this card.  What I was worried about, however, is that I might be billed for pretermination fee should I decide to have my card cancelled.. :(

FYI, few months ago, I purchased a travelling bag which I opted to pay for 6 months at zero interest rate charged to my card.  I was thinking, if I let go of my card, I will be forced to pay one time my outstanding balance and worse, the pretermination fee. :(

And there, I took the risk and told the customer service representative that I just want my card cancelled and, I am willing to pay all the outstanding charges except for the annual fee.  After a few agonizing seconds, she finally offered for the reversal of the annual fee.

Yes!  All it takes is to ask and, based on my experience, it was given.. :)