Citibank worst lo. U spend 30 on the phone n someone pick ask for ur contact n say someone WILL RETURN call because he/she is just HELP TO PICK. N u wait until 10yrs i thknl still bo reply. Since i got the damn card i still DID NOT RECEIVE CALL n it going to b one yr liao. And alot thing u CANNOT DO AT BRANCH. havd to call. My alerts not working i call i go branch i write email still not resolved. I already give up liao. N yes, dun call using ur hp. My hp bill burst due to calling them a few times and each time is at least 30min. Lucky i seldom use my hp call only to citibank during my first mth. Fr the following mth i only use homeline call n now i dun even bother to call.