I'm pleased with whatever changes Citibank has been making in their collection practices. Their staff is much more courteous now.
I even got a call once from one of their officers specfically to let me know that I had made a short payment and it might result in more penalties. In the past, they wouldn't have bothered reaching me and they would have just let the penalties happen - talagang walang paki-alam.
So please keep it up Citibank Collection Team!
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If you're managing any of the account or promissory note numbers below, then this blog's for you!