Thank you for your e-mail dated 3/16/08 regarding card application.

We are sorry for the rejection of the application. However, as part of
our confidentiality policy that we are unable to reveal the reasons for

rejection. The approval is determined by our credit committee.

In general, the criterias are based on the documents that you submitted

to us such as your EA form or EPF statement, your previous statements
of
accounts and proof of employment, etc. There are specific guidelines
that governs the approval but we are unable to disclose them.

We hope the above clarifies.

Thank you for using Citibank Online and have a nice day.

Regards,
Gopinath Goval (Mr)
Internet Service Support
Citibank Berhad

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Original Message Follows:
————————
Form Message
subject:Contact Us (Pre-Login)

Handphone:0124098163
Email:shirockw@yahoo.com
Address:Puchong Selangor
Your message for Citibank:To the complain department.
I am very upset with Citibank as promised in the last year promotion on

the “introduce a friend rewards”. Me and my friend Lim Kim XXX work
hard
and supposed to get a notebook after introducing 18 person to this
program but only 8 person are approved. The rest are rejected for no
reason? Even the one with Platinum card? Is this just to attract people

to introduce friends but limit the rewards.
We even deliver all the forms ourselves to the Citibank HQ and
requested
for chop sign receive.
Hope there is an explaination on why we are not getting the notebook
and
why the other 10 person was rejected. Maybe Citibank isn’t genuine with

their rewards though.
ReferenceNum:00396346

Tried to cancel 2 cards last year when they imposed their annual fees but, alas, they waived the fees!

The 1st issuer offered me a lucky pick where I can win from RM80 to RM320, and seeing that the fee was RM225, I was tempted (by the RM320!) but I said “NO”, and guess what, they agreed to waive the fee but said I must spend RM300 p.m. I then said if they are going to impose conditions on my card, then do cancel my card. To this they then agree that NO condition is imposed on my card. A few months later, I was able to save RM70 when buying an outdoor water filter using this very card. So, like I wrote earlier, it may come in handy if the card is FREE!

The 2nd issuer’s agent who answered my call agreed to cancel my 2 cards (Master & Visa) due to my disagreement on the fee charged. But guess what? The next day their officer called me to say that the agent was misinformed and said that my cards are FREE until the next renewal time and that no spending limit has been imposed.

So u see, trying to cancel cards is also a hassle when they agree to what the customer wants! So the next time, I should be asking for some premiums, etc & see if they still want my business…

Now I found a new way to “cancel” my credit cards. When the renewal’s up, the issuer will send the new card/s with an instruction that I called them 1st to activate the card/s. So, I don’t call them and that’s a couple of cards lesser!

And finally, you referred to me as “zack” which is incorrect, it’s “giko”.

Tata & Happy New Year.

Either your are the super genius or super crazy!!! 13+2 cards - it simply blows my mind away. But do remember, your credit scores will be likely affected by the number of credit cards you have. To what extend, I am not sure. Also It only make sense if you can use those cards for business/working related purposes where you can easily and quickly racked up those points/rewards. If you mainly use them for personal consumption purpose, I doubt you can go very far. Pls keep us updated on the number of credit cards you owned