Why I Love/Hate Citibank Credit Card (SOA Review)

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Citibank Credit Card is probably one of the most famous credit card dito sa Philippines or even sa buong mundo. They have great features, awesome promos and rewards, and madami pa.
Personally, I was able to acquire 2 Citibank credit cards. Yung una is the Citibank Mercury Drug Credit card, and the next one is the Citibank Cashback Credit Card.
Later on I decided to terminate my Citibank Cashback Credit Card due to couple of reasons na sinabe ko sa video. But until right now nasa akin padin yung Citibank Mercury Drug Credit Card.
Citibank Mercury Drug Credit Card is a credit card na sobrang useful sa katulad kong may maintenance medicine. Kasi you can get a lot of points by using your credit card sa mercury drug.
On this video we also review or as we say, dinisect, yung Citibank Credit Card Statement of Account or SOA. This is the 4th Credit Card bank na dinisect natin after BDO, BPI, and RCBC credit cards. The SOA that we used for this video is my own SOA for my Citibank Mercury Drug Credit Card pero nung 2019 pa.
Another thing i really love about Citibank credit cards is yung kanilang Welcome Gift na binibigay sa mga Beginner Credit Cardholders nila. All you need to do is to apply, get approve, and meet the spending requirement. Dapat wala kapang any existing Citibank Credit Card.
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Опубликовано:

17 сен 2021

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Комментарии : 154

@NoyFinanceVlog 2 года назад

Guys to check yung ibang mga Credit Card SOA review natin, check this playlist: ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-Ago9_Bs6FZk.html

@JaxReyes_ 2 года назад

Love the SOA Review!! :)

@NoyFinanceVlog 2 года назад

hi Jax & Jaz thanks :)

@lifejourney6485 2 года назад

Thanks for sharing new subscriber here bago lang po ako sa credit card.. medyo nlito ako so ang babayaran mo lang naman is kung magkano ang nagastos mo plus interest every billing cycle ganun ba?

@kdkielbro3501 2 года назад

Yung ang seryoso ng SOA topic then suddenly may biglang “Sana ol no may relationship” hahaha 🤣. Nice video po thanks, now decided not to go with CITI kasi share limit din like BDO. Keep it up po.

@jethancheta873 2 года назад

Maganda ang BPI kasi maraming partners pero medyo magirap maapprove lalo na pag beginners, kaya I decided to build my funds with bdo kasi minsan binibigay nalang talaga nila wala ng tanong tanong at yun din bank ng parents ko. Pag beginner talaga mas okay siguro metrobank kasi may no annual fee sila na card at medyo marami din partners although mabilis lang naman magpa waive sa bdo

@NoyFinanceVlog 2 года назад

thanks for the tips bos

@meljancampos9559 Год назад

hi sir, pa explain naman po kung ang statement date mo is evry 28 of the month, ano ang best days to swipe para masulit mo ung days para mapag iponan ang full amount na babayaran?salamat

@averytan2797 2 года назад

Pwede ko po bang gawin na kukuha ako sa Unionbank ng CC para sa susunod na mga taon pwede ko siyang gamitin as Existing Card para sa ibang bank

@russellejansarile10 2 года назад

Pa explain naman further ung minimum amount due hehe

@pearlvina6864 2 года назад

So out of the box I can't use citi credit card for installment payments po?

@floralynndrilon348 2 года назад

Just activated my card. Where do I get my welcome gift po?

@charlesrara5325 2 года назад

Ask lang po, kapag ba nagpa cancel ng card is may fees din? Thank you!

@jacobtayag4264 Год назад

Pwede po ba iinstallment ang payment kapag Winithdraw ang Cash Advance po sa Citi?

@rodgielacarllarin64 2 года назад

sir ask ko lang po bago citi bank same mercury drug din po ako bali sa apps di pa ako maka avail ng citi pay lite po ganon ba un sir wla pa kasing 1 month yung citi bank natatakot ksi i swipe ko lahat yung card ko ng straight payment tapos walng installment unlike sa rcbc sir swipe ka lang ng swipe ikaw na mismo mag set kung ilang months ang gagawin kong installment sa rcbc sa citi bank kasi di ko pa sya na gets pa hope matulungan ninyo salamat po =)

@jr6489 2 года назад

May penalty po ba pag sa araw ng due date ako nagbayad pero late nag reflect sa app?

@ninocunanan2512 Год назад

Hello po .. Sana mapansin ..may ask lang po ako about citibank cc and I am first user of citibank credit card.. just want to know lang kapag nagavail ka ng cash advance ng 20k pwde po ba syang installment like 12 or 6mos. Possible po ba and pwde po sya nun iwithdraw yung cash advance on atm? Sana po mapansin.

@jennyreyes999 2 года назад

Eastwest is my favorite. And bdo

@NoyFinanceVlog 2 года назад

BDO maganda din talaga for me :)

@russellejansarile10 2 года назад

Magkano po minimum amount due ng citi simplicity card?

@basister14 2 года назад

Ito ung BANK na HiNDi nila ako pinaHirapan na MagKaroon ng CC Sakanila... Thank you CiTiBank 😁😊🥰

@emmanmalabayabas9698 2 года назад

Ngayon nko lang na realize na para sakin maganda cc ni RCBC kasi since meron syang 0% unli installment maganda sya para sa mga di afford bayaran ng whole amount yung mga big purchases like mga appliances or gadgets. Advantage sya kasi may mga merchant na walang 0% installment. Kaya nga sana magkaruon ako uli ng rcbc kasi nuon pina cut ko sya di ko pa kasi alam gamitin yung 0% unli installment

@ladyingrid8842 Год назад

Totoo ba aa ngayun im choosing between citi and union still checking

@marvinbansay3055 Год назад

Yong sa available relationship limit po ba sir yon po ba ang dapat na maintaining balance ng CC ko po? Or okay lang po bumaba yon as long as hindi pa po ako overlimit? Ganito po kasi ang text first time ko po sa citibank CC ko po. Thank you po sa sagot 🥰 Service Update: The recent purchase you made with your card brings your available Relationship Limit to less than P5,000. Avoid Overlimit Fees & the inconvenience of having a blocked card. Keep track of your balance & transactions with the Citi Mobile App.

@jomaripalomar671 2 года назад

paano po mag canceled ng credit card?

@sydneyciudad9233 2 года назад

Sa citi simplicity card yung sa speed cash nya sir hindi ba nkakatakot mag loan gamit ang apps lng po?

@spacewarriors5175 2 года назад

hindi naman. parang installment yan, kaya lang may processing fee na P900 regardless of the amount.

@RTSarcino Год назад

what if I use the credit card on the day of the Statement date (for example Oct.12), maiinclude pa po ung usage non sa statement date of Oct.12 ? or by Nov.12 Statement date na po ?

@NoyFinanceVlog Год назад

most likely sa nov 12 na since may couple of days posting pa. pero minsan nasasama padin yan.

@miyoon4511 2 года назад

Question please, yun Monthly Retail Rate na 2% kelan sya mag take effect? If tama ang understanding ko, wala dapat interest if magbabayad ng full before due date?

@NoyFinanceVlog 2 года назад

yes tama po. ang finance charge ma charge lang kapag hindi nabayran yung statement in full and on time po

@camillebais2629 2 года назад

Sir ,ask ko lang po sana..nagagamit kopo ung citi rewards credit card ko sa citi pay all, pero knina lang nagswipe ako sa puregold ayaw po nya kht malaki pa ang credit limit ko..nag eerror po😌

@NoyFinanceVlog 2 года назад

baka naman yung terminal ng puregold ang may problem?

@xenolesterprojects 2 года назад

Sir si city rewards card and miles ba nakakapag request ma waive ang anual fee?

@NoyFinanceVlog 2 года назад

wala akong miles eh. sa citi rewards dati ayaw talaga nila kaya pina cancel ko sya. tinira ko yung mercury drug ko na card.

@lleseriepante218 Год назад

Paano po magawa soa

@aaronsantos9551 Год назад

sir tanong ko lang , may balance kasi ako sa CITI bank credit card ko, ngayon nag offer ung bank na pa convert sa installment ung balance ko ,may interes parin po ba monthly un?may lumalabas po kasi palage sa statement of account ko na balance conversion na 800 plus

@NoyFinanceVlog Год назад

convert to installment yup may interest po

@faithmarquez201 2 года назад

I got approved for a Citibank simplicity card. If wala po ako at home by the time na idedeliver yung card ibibigay po ba nila sa kasama ko sa bahay? And if hindi po, how do I change the delivery address to my workplace? Thank you!

@NoyFinanceVlog 2 года назад

if naka ship out na yung card mo, it might be hard to change the address na. usually naman hindi nila binibigay pag hindi ikaw mismo ang tumangap unless may authorization kang iniwan and id usually . minsan din ttwgan ka nyan, or yung kasam mo sa bahay tatawag syo hehe

@emmanmalabayabas9698 2 года назад

Kapag naka received na po ba ng E statement na ienenroll ako ni citi approve na po ba yun. Kahit wala pa yung txtmessage na na approve na ako?

@NoyFinanceVlog 2 года назад

anong e-statement yung narecive mo? yung SOA ba?

@whitehatdaily82 Год назад

Fav cc CitiRewards

@nadinegabat4414 2 года назад

Baka pwede po mag situational explanation next Sir, like paano ba nangyayari yung overlimit, paano nangyayari yung cashback. Parang mga scenario samples? i guess para madali din i-apply sa sarili namin? salamat!

@NoyFinanceVlog 2 года назад

ahhh sige noted yan next time lagyan natin ng mga examples :)

@Tim-kun713 2 года назад

Hi po statement date ko po is every 7th of the month kailan po kaya yung payment due date ko?

@NoyFinanceVlog 2 года назад

check nyo po sa statement. nandon nadin po yung exact date ng due date every cutoff

@ivytolentino6832 2 года назад

Hi Noy! Bad record po ba kay Citi pag nagkaroon ng over limit charge? And possible po ba ma-hold or ma-deactivate ang account in case magkaroon nito? Thank you 🙏🏻

@NoyFinanceVlog 2 года назад

well sa lahat bank kapag nagkaroon ka ng overlimit charge may negative impact taalga. pero it doesnt mean naman na hindi na sya kayang ayusin. all you need to do naman is to pay the overlimit amount. pero yung overlimit fee usually dina maalis yan kapag may overlimit fee ka, mahohold ang account mo, kasi una wla kana ding available credit limit so kahit hindi sya iihold, wala din use yung card kasi wla kanang available credit limit. when it comes to deactivation naman or cancellation, di naman unless tlgang dmo bnyran tapos nag lead sa couple of months na unpaid dues.

@joycecasarigo9318 2 года назад

Paano po yung retail monthly effective interest rate?

@NoyFinanceVlog 2 года назад

finance charge ba?

@danicacatacutan3456 Год назад

Hindi ko kinakaya yung Bill Finance Charges ng Citi Rewards, ang laki deymm every month nag chacharge ng 400+ hindi ko maintindihan para san yun since nagbabayd naman ako

@johaipulido6492 Год назад

Same

@kimtiel4801 2 года назад

Hi question, pwede ba directly magamit si citi rewards mastercard or citi simplicity as installment or need pa iapply as paylite para maging installment sya?

@NoyFinanceVlog 2 года назад

as long as nag acceppt ng installment transaction yung merchant na biniblhan mo pwede p. pero kung striaght lang ang meron sila, then you need to avail paylite

@MaeDaily Год назад

@@NoyFinanceVlog how to avail pay lite po

@jmh6240 Год назад

Ano po ibig sabihin ng negative current balance sa credit card?

@NoyFinanceVlog Год назад

baka po merong overpayment

@mikereyes182 Год назад

Sir may multiple payment fee po ba kay citibank? Gusto ko sana bayaran din agad after mag swipe. Tnx

@NoyFinanceVlog Год назад

im not sure lang hindi ko pa kasi na try.

@abemahtabiernos7356 Год назад

Sir sa tingin nyo ano highly recommend nyo na credit card per

@NoyFinanceVlog Год назад

per?

@norielformarejo8455 Год назад

Sir gaano po katagal ang repayment term ng citi cash advance?

@NoyFinanceVlog Год назад

for cash advance ang aalam ko everyday interest ata yan. so dapat ata mabyaran mo agad

@amarjonalyn8819 2 года назад

Good evening po tanung ko lang po sana kung ung BDO INSTALLMENT CREDIT CARD po is pwde sa grocery store salamat po sana mapansin niyo madami po ko napanuod na videos niyo dtu po aa nag comment para po mapansin niyo po sana sir maraming thank you and godbless

@NoyFinanceVlog 2 года назад

Salamat po :). May nagtanong na before nyan hindi kc ko familiar tlga sa bdo installment card. Pero ang pagkakaalala ko pwede naman :)

@amarjonalyn8819 2 года назад

@@NoyFinanceVlog salamat po ☺️

@edcelbeaubolando6088 11 месяцев назад

Hello po. Magkano po interes kapag minimum amount due lang nabayaran

@NoyFinanceVlog 11 месяцев назад

finance charge po na 3% ata ngayon

@joselyncaro8227 2 года назад

sir panu magdeactivate ng citi rewards credit card online?

@NoyFinanceVlog 2 года назад

hindi ata pwede online. dapat ata itawag sa cs?

@annarosegalang2087 Год назад

anu po ang advantage ng advance payment? for example po sa 33,000.00 na loan ko nag payment po ako ng 17,000.00 sa loob ng 2 months, sa next month po ba need ko mag bayad ng 2,750.00 na amount bago mag due date?

@NoyFinanceVlog Год назад

sa credit card ba? hindi sya automatically mag aapply don sa remaining installment mo. magiging overpayment sya. and kung di mo naman ggmiitinn card mo, eventually mauubos din yun ng installment. pero kung gusto mong tapusin agad talaga kaylangan mo ipa terminate.

@zhairaaizhensantua3928 2 года назад

Sa simplicity citi bank po ba pwd mag send nag payment sa ibang bank account at pwd kaya yun gawin installment salamat po

@NoyFinanceVlog 2 года назад

balance transfer poba ibig inyo sabihin?

@grettelannemclain6792 Год назад

@@NoyFinanceVlog Hi po! Do Citibank offer balance transfer from EastWest Credit Card? Thank you.

@catherinealias3513 Год назад

Saan po pede magbayad sa credit card ng citibank..salamat po sa sagot

@ranieramirez8104 Год назад

saan po?

@emmanmalabayabas9698 2 года назад

Ako din kahit madami ng existing credit card laging declined kay Citi. Pero nung tueaday nag try ako ulit then na approved na ako halos 4x na ako nag aaply kay citi laging declined buti nalamg ngayon na approved nadin. Sana mataas ibigay nilang credit limit na ibigay sakin 😅😅

@NoyFinanceVlog 2 года назад

nice. try and try until you succeed ano hehe

@lenogulti 2 года назад

Ilang days nadeliver yung card after approval?

@emmanmalabayabas9698 2 года назад

@@lenogulti siguro over all umabot sya ng 7-10 depende po kasi sa location nyo if ncr lang mas mabilis

@chaopanofasia8490 2 года назад

Wow nasa 300k plus credit limit mo 😁

@NoyFinanceVlog 2 года назад

ha? hindi ah hehe

@vicentebueno6904 Год назад

kung 26 po ang cut off,kailan po due date?thankyou.

@NoyFinanceVlog Год назад

iba iba po yan. better to check your soa nlng po

@maryjaneabrazaldo8435 Год назад

Sir ask ko Lang first timer ko po Kasi gumamit Ng Citi credit card..ano po ibig sabhin Ng statement date 26th of every month..allowable po ba niya kapag ginagamit mo ung credit card?

@NoyFinanceVlog Год назад

ibig sabihin po ang cutoff nyo is every 26th of the month.

@yayamnaniearanda4661 Год назад

@@NoyFinanceVlog pag every 26 of the month kailan po Kaya magiging due nun

@MBT1566 2 года назад

RCBC is my favorite kasi unli installment..haha

@NoyFinanceVlog 2 года назад

Ako din lol

@chaopanofasia8490 2 года назад

Robinsonsbank Dos sa akin

@spacewarriors5175 2 года назад

maganda ba sir rcbc

@jasondeleon2778 Год назад

Ask ko lang po kung my interest po pag nagcash advance ka sa citi bank credit card ??

@NoyFinanceVlog Год назад

yes po

@kambal8642 2 года назад

Pwide ba mag open ng citibank online,under ng citibank ng Europe kahit dito ka sa pinas,hindi piso ang gagamitin kundi Europe money,makaka open ba ako at wala problema

@NoyFinanceVlog 2 года назад

sorry hindi ko alam. pero i think pag andito ka sa Citi Ph ka talaga

@kambal8642 2 года назад

@@NoyFinanceVlog thanks you for reply 😊

@bellecassidy2853 11 месяцев назад

Hi sir what if late nakapagbayad like 5days late lang po malaki po ba penalty ni citi rewards cc?

@NoyFinanceVlog 11 месяцев назад

finance charge po and if hindi na cover kahit minimum, late payment charge

@bellecassidy2853 11 месяцев назад

@@NoyFinanceVlog if mag bayad po ng minimum due po muna while waiting sa enough funds for the total bill to settle okey lang po ba yun sir?

@abellajuanmigs 2 года назад

nakailang apply na ako sa Citibank decline pa rin

@NoyFinanceVlog 2 года назад

hehe dika nag iisa brod

@laniyamo1901 Год назад

Sa citilang ako maapproved eh,sa iba lagi declined

@orlandovelasco2564 2 года назад

Magkaiba ba credit limit ng citi reward at citi simplicity??

@NoyFinanceVlog 2 года назад

shared limit po ang citibank bos. bale if you have 2 citi credit card mag shashare lang sila sa isang credit limit

@laniyamo1901 Год назад

Akin nga po 3 shared limit Ang limit lang po ng limit

@jerryalas2233 Год назад

Question no annual fee po ba talaga si citi simplicity?

@NoyFinanceVlog Год назад

yes po.

@jerryalas2233 Год назад

@@NoyFinanceVlog thanks boss

@clnuestro7050 Год назад

Hello kahit po ba di activated ung supplementary card magbabayad padin ng fee?

@NoyFinanceVlog Год назад

better po ipa close nyo nlng to make sure if hindi naman gagamitin

@clnuestro7050 Год назад

@@NoyFinanceVlog noted po salamat po pagsagot

@MaeDaily Год назад

@@NoyFinanceVlog paano po ba ipaclose suplementary sir

@kevin98ph20 2 года назад

Sir question lang po. Nagpapainstallment pa po ba si Citibank or straight to pay na lang talaga siya? Balak ko po kasi gamitin ang Citibank credit card for installment

@NoyFinanceVlog 2 года назад

sa mga merchants ba na partner nila?

@kevin98ph20 2 года назад

@@NoyFinanceVlog opo like power mac

@NoyFinanceVlog 2 года назад

hindi daw ba pwede sabe? may something fishy kasi jan eh hehe

@kevin98ph20 2 года назад

@@NoyFinanceVlog straight to pay lang daw po. Pero last week po sabi ni Toy Kingdom baka po by December or January bumalik na ulit yung sa installments ni Citibank. Parang may di pa lang po ata sinasubmit si Citibank

@NoyFinanceVlog 2 года назад

@@kevin98ph20 actually halos lahat ng stores yan. Recently electroworld ata pwede na ult

@francomotovlog73 Год назад

Sir pano po kung wla ka sa bahay tapos edidiliver nila yung credit card mo. Pwede ba asawa mo o ka pamilya yung mag rerecieve?

@vallacayangajr2542 Год назад

Hi, Authorization letter ang need with your signature. And need mo mag iwan ng valid ID sa pagbibilinan mo na mag claim if wala ka sa bahay during the delivery.

@MissMarvel14 2 года назад

If you pay on time or earlier wala pong charges right?

@NoyFinanceVlog 2 года назад

yup basta full amount not just the minimum or less the full amount

@renzroxas8195 2 года назад

sir ask ko lang po kada kelan po ba pwede mag request ng increase ng credit limit pag bago dating pa lng po yung card

@NoyFinanceVlog 2 года назад

usually 6-12mos pwede kana mag request nyan

@renzroxas8195 2 года назад

@@NoyFinanceVlog yehey thank you po sa info 🙂🙂🙂

@reginaldc.08 2 года назад

Is it possible na mag auto-charge ng bills sa citibank? It's easy kasi sa security bank pero interested akong ilipat yung bills ko sa citi :)

@NoyFinanceVlog 2 года назад

yes alam ko may feature ang citi na ganyan yung auto bills payment

@reginaldc.08 2 года назад

@@NoyFinanceVlog thank you! 😄

@alhakeem3658 2 года назад

Hindi po nag AAUTO INCREASE ng Credit Limit si CITI BANK?, 2018 pa CITI BANK ko never nag increased e hehe

@NoyFinanceVlog 2 года назад

Yup bos need mo mag submit ng income docs if gusto mo magbpa increase

@kylerd0330 2 года назад

Sakin po nag auto increase ang limit especially after availing citispeed cash. Medyo malaki nga lang kasi processing fee ng citibank

@cleintonubarco7006 2 года назад

Nag o-auto increase naman xa kasi palagi kong ginagamit yung citibank credit card. Sa ibang credit cards ko naman, di sila nag o-auto increase kasi minsan ko lang sila ginagamit.

@NoyFinanceVlog 2 года назад

@@kylerd0330 oh tlga. bat naman gnon. ang tagal kona sa citi lol

@NoyFinanceVlog 2 года назад

@@cleintonubarco7006 actually plge ko din gnagamet skn pero wla tlga lol. nag request na nga din ako. pero need ko daw magpasa ng income requirements.

@joyz.1677 Год назад

"worst of the worst"! this is really the truth to comment citi. Citi credit card, when you want to close it. the bank puts you in complicated trouble and wastes your time again and again, the only purpose is not to let you close it or drag the closure as long as possible. The bank asks you what credit cards you hold with other banks... firstly, is the bank qualified to ask this question to customer when they want to close the citi credit card? secondly, the bank repeatedly compulsorily force the customer listen to recorder which warns you once you close the card, you will not be granted .... funny and stupid thing is that citi adopt living person to force the custermoer listen to the dead machine recorder, otherwise, not to close the card. So funny. This is the first and only bank i met and suffered. The business model designed is in such a unfriendly way. All design is just for putting you most difficult to close the account. including saving account! it is very hard to close. more time consuming than other common banks.

@JamesEdwardMasa124 2 года назад

BPI/UB/CITI

@NoyFinanceVlog 2 года назад

@ShenShai_0629 2 года назад

Sir question lang po may soa na po kasi ako sa citi mobile app ko nag purchase kasi ako ng 7/9 then 7/11 and 7/12 po na post kay citi bali 3 transaction po yun 366, 580 and 26,590.50 may question po is binayaran ko na agad yung 366 at 580 via gcash payment po bali bal. ko nlang is 26,590.50 due pa nman is 8/2 straight payment di po total pay send ko via gcash bali amount lang ng mga transaction ko sa soa po kasi naka total yang 3 po wala po ba magiging problem if ganun payment ginawa ko hiwahiwalay di total nung 3 po sana masagot napapaisip kasi ako di pa nag rereflect sa apps yung binayaran ko na dala sanay kasi ako sa bdo 1st time ko gumamit ng citi bank mercury po tapos click ko sa gcash citi bank mc visa sa pag pay tama po ba

@NoyFinanceVlog 2 года назад

baka kaya matagal kasi gcash yung ginamet mo. ok lang naman yun. pero ako kasi talaga best to pay once lang. may ibang banks din nag chcharge pag madaming payment eh.