I have been a faithful user of the Citibank credit card for close to 10 years already. When Citibank first started their credit card services here, their credit cards were often high in demand as people had the perception that their cards are hard to obtain. However, now there are Citibank promoters all over practically begging you to accept their credit cards!

Their services used to be really good but now seems to have deteriorated as some of the telemarketers or customer call personnel can hardly speak English. I also really dislike having to wait for ages to speak to a real operator while the irritating answering machine music plays. It makes calls to the Citibank phone centre a rather expensive affair especially if calling from a handphone.

Their credit card offers also used to be one of the best in the market with fantastic promotions on dining and accommodation but this too has sadly deteriorated. Now, I barely look at the promotions booklet that comes with my monthly statement as I know there probably isn’t anything in there that I could benefit greatly from anymore.

So why am I still sticking to my Citibank credit card? Simply because of their point system. Their point system is timeless which means I can accumulate points without any danger of it expiring. The Citibank credit card is also often widely accepted everywhere especially for zero interest installment payments which comes in very handy when purchasing large items. Due to my faithfulness, they have also been quite kind in upgrading my card and increasing my limit levels or waiving my annual fees.

Despite its shortcomings, I still think it is one of the better cards out there.