Citibank: Visa -> Mastercard

-

Recently, Citibank offered fee waiver if I migrate from Visa to Mastercard. The offer is not valuable to me as I always got fee waiver each year I asked for it. What attracted me though was, based on searches on the internet, Mastercard has better foreign exchange rates. Since I frequently used my Citibank Singapore credit card here in Malaysia, this is good for me.

Among the terms and conditions, this is especially important to me:

" You acknowledge that your Citi Visa Card will terminate upon the activation of your Citi Mastercard or upon 90 days from the date we receive this consent or upon the expiry of your Citi Visa  Card, whichever is earliest. "

This matters because I have some bills that are charged to the credit card, and of course this also means I can continue using the Visa card until the Mastercard arrives and activated.

About 9 days after I consented to the above migration, I received an email from Citibank stating that, among other things, that my card had already arrived but the fact is that it hasn't!

So I contacted Citibank via secure chat within Citi Mobile app. After some checks, I consented to a replacement card for that Mastercard and that the missing card was blocked.

A few days later, I couldn't use my Visa at a couple of merchants and so once again I contacted Citibank. During the chat, I specifically pointed out that none of the 3 conditions (quoted above) was triggered and yet my Visa was terminated/blocked. Why?

Turned out that when I consented to get a replacement card for the missing Mastercard, not only was this card blocked, so was the Visa! I wasn't informed of this 😡 I had considered terminating everything but I realised that this is the first time Citibank messed up and the officer apologised to me a couple of times. Alright then, I forgive them this time.

Comments

William said…
Things are messy at the moment.
July 14, 2023 at 4:06 PM
Jaded Jeremy said…
William,
The saga continued! The card was "returned undelivered" and it was the same for the next one too. Arrgghh.
July 17, 2023 at 11:17 AM
Post a Comment

Popular posts from this blog

Fell Seal: Arbiter's Mark - character build (Part 1)

-
Here are the character builds for my current run (with the help of Ban): Kyrie Fellblade/Marked Counter: Slow Secondary passives: Execute, Life Font Fellblade itself is a good class because of the various conditions it can inflict and most importantly they can inflict Sleep. Iirc, the only other human class that can do this is Gadgeteer. Their passive Malice increases the chance of landing it by 10%. Fellblade pairs well with Marked because both use ATK and MND in their offensive abilities. Also, Fellblade's abilities are mostly short range whereas Marked has some long range abilities. Execute for more damage. Life Font is for suvivability. Ban opined that with two healers, there's no need for Life Font but I discover that it enables Kyrie to survive just enough for a healer to heal her up, after having received massive damage. Ban advocated for Marked/Fellblade for superior Speed (1.00 vs 0.92) and defense (heavy armor). I resisted this for a long time because I
Read more

Fell Seal: Arbiter's Mark - character build (Part 2)

-
(continue from Part 1 ) Yates Anatomist/Wizard Counter: Cripple Secondary passives: Blessed One, Smart Casting Anatomist is the best healer in game due to the passive Legendary Healer, which also then boost the amount of self-healing by Blessed One. Although Ban thinks Anatomist's Dark spells are sufficient in dealing damage and so he suggests Alchemyst as Yate's secondary class, I choose Wizard for the following reasons: Quite often, demonic creatures have Dark immunity and other creatures have immunity to other elements. So having Dark, Water, Fire, Earth and Thunder spells enable Yates to cast the most suitable spell, especially when the enemies are vulnerable to certain elements. Flexible casting :) Smart Casting is useful so that I don't need to worry much about the positioning of the enemies relative to my other characters when using Mass Healing and the area effect damage spells. As stated in previous post , there "are so many devastating Skill ba
Read more

Strange expectorant

-
Image
An expectorant cough syrup helps you to prevent phlegem from going to your lungs by expelling it via coughing or so I heard from doctors and pharmacists. That's why for cough that's caused by phlegm, it is not advisable to take suppressant cough syrup. Given that's the role, do you expect it to be drowsy? It should be non-drowsy so that you will be actively coughing out the phlegm, right? Not this Unizet expectorant. The doctor told me that it shouldn't be drowsy and yet some of his patients (including me) reported otherwise. I read the detailed information (on the piece of paper typically stuffed inside the box) and nowhere it indicated drowsiness as a side effect. Strange, huh?
Read more