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Just called Citibank re this new fee. I've got a Ready Credit a/c and if I got charged the fee I'd cancel the facility instantly.
Appears from what I could get from the consultant if you only use it for balance tranfers or never use it you will get charged the fee. Basically need to use over 12 months for $1000+ even if you pay it back the following day. It's what i could work out from her.
According to my account I shouldn't get the fee - but time will tell.
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