Pre If you don’t mind.. could you please add my link at your blog roll.. You can change the old one to my new site or just add my techathand.net Site in your blog roll..

And by the way invite na rin kita dito..
http://techathand.net/2007/10/i-want-to-know-more-bloggers/

I was wondering about what the 3.5% was for so I was still opting WU as my current option, with this I’m off to push through with my application.

It’s hard to apply for a CC when you’re still a student though. *sigh*

Still no reply from Union Bank though, guess I need to go and ask myself.

Citibank: Sir, you have to get it as “Cash Advance”, you will have to pay the fee and the interest rates of a cash advance withdrawal.
My Colleague: But that is wrong, it IS MY money, why do I have to pay you for MY OWN money?
Citibank: Then sir, you can visit any Citibank branches and ask for an Overpayment Cheque, there is no charge or fees for an overpayment cheque.
My Colleague: Is this sure, confirmed, standard operation?
Citibank: Yes sir, there are no fees or hidden charges, and we do issue overpayment cheques if you visit one of our branches.

I agree, why do you have to pay for your own money? Im not talking about the “fee”, fees are fine. But the Cash Advance “interest rates” which is 3.5% is the issue. It is your money, and they are getting 3.5% interest from your own money for the duration of your “Cash Advance payment months”.

Try to ask them again, and give the conversation above. Two of my colleagues got the same reply, i believe it is their standard reply. In fact, earlier than that conversation, one of my colleague said Citibank said this:

“Sir, many are asking about PayPal withdrawal, is this what you are inquiring about?”

In any case, get Unionbank EON (Visa Electron). Or EPCI Visa Electron.