Citibank cash advance pin reddit. Magwi-withdraw lang ako sa ATM using my credit card and cash advance PIN, then 200 fee for every 10K yata. Hello reddit! I've got a question hopefully somebody can answer for me. Will BDO tagged the transaction as Cash Advance? B. Iba kasi ang treatment sa Cash Advance. I asked if there is any way to prevent cash advances, and she said that cash advances can only happen with a PIN. Most of these cases are denied because of that. A cash advance fee of 4. Got the PIN in less than 2 weeks. FYI for online transactions you need to use the 4 digit code on the front of the card instead of the usual 3 digit cvv on the back. If you don’t already have a PIN, you can request one from Citibank. I was never once asked for a PIN. Otherwise, you can call customer service after the transaction has been made and already posted. 1%. Cash Advance is when you withdraw cash from an ATM using your credit card and your CCPIN. The issue is, I plan to purchase a new car very soon, and I am afraid that this closed credit card will negatively impact my credit score which will affect my loan rate. A credit card PIN is a four-digit code that you will need to get a cash advance at an For more info, I already received my card first week ng July pa but can’t register pa sa online/mobile app because of this CA Pin kasi until now di ko pa rin ito nareteceive. Personal loans often offer lower interest rates compared to cash advances and come with a structured repayment plan I just received an email from Citi that they closed my double cash credit card (good standing, zero balance, open since 2014, 13,500 limit) without warning due to inactivity. FICO SCORES: 780 Experian ( 3 HPs) 789 Transunion ( 0 HP) The public offer for the Citi Custom Cash has changed to $200 after $1500 spend over 6 months. This time Citi charged me $10 a cash advance fee. Citi Bank pulled from Experian & my score dropped 1 point. So I called customer service last night and A) She said "oh the pin should be in the mailing you got separate from your card" and B) "you don't need a pin except for cash advances. 99% (V). Credit scores are only reviewed by Citibank and not provided to the cardholder or the APC. So here's what is going on: Say you start the month with no balance and get a small cash advance, say for $100. The company's mission is to maximize the value and utility of digital assets through our comprehensive product suite including advanced trading solutions, liquidity aggregation, tax-efficient asset-backed credit lines, a high-yield Earn Interest product, as well as the Nexo Platform and Nexo Wallet with their top-tier It's not surprising. What are the fees associated with the Citi Double Cash ® Card? The Citi Double Cash ® Card does not charge an annual fee. In addition to the 5% (min $10) fee, there may be additional ATM fees, depending on where you withdraw the money from. Then I went to the register (not the self checkout) just to be sure, because people have had self-checkout code as something different from the normal register. Consult your A/OPC to learn more about these Jun 24, 2024 路 With this limited-time offer, Citi Double Cash cardmembers will earn 5% total cash-back rewards — 3% cash back on top of that standard 1% when you buy and 1% when you pay — on hotels, car rentals and attractions booked through the Citi Travel site through Dec. Apr 15, 2024 路 To get a Citibank credit card cash advance, you can either withdraw funds from an ATM or visit a local Citibank branch. Memorize your PIN and keep it in a safe place, separate from the card. I know I can only take 30% at a time, but if I owe money on the card already, and pay some of it off, how do I know how much of my available cash limit I have left? Posted by u/Chinita_3023 - 3 votes and 6 comments I have two CCs - Citibank and BPI. Secondly when using your credit card at an atm (if it’s not a Citibank partnered atm, you will most likely need to have a pin for the credit card. A credit card PIN is a four-digit code that you will need to get a cash advance at an The Chase rep said that the cash advance limit is fixed at 5% of the total credit limit and cannot be changed. Hi, may naka experience na ba dito na mag cash advance sana sa citibank rewards cc pero laging insufficient funds yung lumalabas kapag nagwiwithdraw sa atm? Pinili naman namin yung credit card/cash advance option and we tried several atm machines na din na supported by visa/mastercard/BancNet pero same sila lahat ng message. Apply for instant cash loans now. Tama Cash Advance PIN ang gagamitin mo. Click on rewards. Misunderstood it entirely. I already have the PIN. The default limits are $4,000 for credit, $250for cash, and $100 for retail purchases. Will i pay 1000 pesos + Cash Advance Fee (200) + Interest(200) only if i pay that within the current cycle or month?? D. Whenever I send cash using Zelle, it asks me to put ATM debit card number and PIN, even for my contacts I have sent cash multiple times using Citibank Zelle service. The group spread out across multiple casinos and simultaneously withdrew money from cash advance kiosks. In contrast, the average APR for normal purchases among new credit card offers is 23. Entering your PIN helps verify that you’re the card owner. Tanung po sa cash advance ni bpi, kasi balak ko po mag CA ng 20k magkano po Kaya ang interest neto or overall fee let say mababayaran ko naman just within the week po, need ko lang po talaga, thank you po sa sasagot 馃榿 A subreddit for everything about credit cards in the Philippines. Finance charges on Cash Advance transactions and Cash Advance fee will be computed from posting date until payment date. Nagkaroon ako offer from BPI na balance transfer and EIR is at 8. I don't know about this specific card, but the card I had in Europe also had a PIN, but was set up with signature as the first priority, pin second. Is anyone having the same experience? You need a cash advance PIN to be able to avail the cash advance by withdrawing in an ATM. 1 However, other fees may apply if cardholders use services such as balance transfers or cash advances. Feb 9, 2024 路 You can typically use your credit card to withdraw cash. Although you may not have chosen it, your credit card may already have a PIN assigned for cash advances. The application process for the Citi Double Cash ® Card is easy and straightforward. com and Experian. I thought you had an option to set a PIN when you activated the card, I haven’t received a separate PIN mailer for a credit card in several years. Cash advance APR: The Citi Diamond Preferred cash advance APR is 29. RUB 490, applies at Citibank and non-Citibank ATMs. For example, sa BPI ko I can do cash advance up to 70% of my limit. So even if you received your statement with the cash advance on it and paid it by the due date, there is still one last cycle of interest that will get billed to you (for the days between when that statement was generated and when you paid it off). Then they'll give you pin. I’m also a T-mobile customer. I never took cash advance from credit card, so never set credit card pin. Mga ilang araw kaya bago dumating un? Wala kasi ako for a week dito sa bahay para maabisuhan ko ung makakasam ko. It didn't arrive 2 weeks after receiving an sms that they've sent it. But upon further reading turns out I don't need a PIN after all to use a CC normally? So I got a couple questions: 1. after the successful generation of the PIN generation, you will be able to make At my local Citi Bank Branch the ATMs will allow you to make payments on your credit card balance with a cash deposit in the ATM even if you don’t have a Checking Account with Citi (Which I don’t) and from time to time I do this because at times I have a decent amount of cash on me and I’d rather put the cash amount I have towards my Citi CC balance then deposit it into my Chase Checking Citi Custom Cash, $6100, June 2021. AmEx, for example, has the Send & Split feature. 31, 2024. 49% compared to BPI na 0. Jan 11, 2024 路 To get a cash advance from an ATM, you will need a PIN. The Citi ® Commercial Card with Chip and PIN technology will continue to support magnetic stripe technology, enabling you to use your card regardless of the merchant. Chip and PIN is the next generation of payment card technology. PIN is only for cash advances on the Citi Costco Visa. Maybe it’s an issue with Citi sending the code via text to T-Mobile phones. A PIN is the four-digit code you can use for cash advances. 68% na yung nasa redirect website. 9%, min. Separate pa dun ang interest/finance charge. Apr 18, 2023 路 Cash advance APRs can be as high as 36%, with a current average of 24. Also Kaso may extra fee yon. Nagpaplano ako mag advance payment or magbago from 12 months installment to 6 months or 3 months. The PIN is either delivered separately or requested from the bank. I don’t get how Citi’s verification process is so bad. You can also get a Citibank credit card PIN by logging in to your credit card account and requesting a PIN through the Citibank website. This is what they said: "I do see that has recently changed. This process is known as a “cash advance” and has its own set of rules for withdrawal and repayment. Wala na ba yung cash advance/credit to cash ni citi? Citi Naalala ko before merong ganitong option via app or online banking pero ngayon parang wala na? dahil kaya nasa UB na ung citi CC? sobrang convenient pa naman nito, derecho lang sa bank account mo, 3 years ago pinangbili ko ng motor galing dito kase mas maliit ung interest compare sa casa to be issued a restricted account. Important first steps: Aug 26, 2024 路 To get a Citibank credit card PIN, call the number on the back of your Citibank card and ask customer service for a PIN. I specifically went to a Walmart Neighborhood Market and bought one item to test. At present it's still possible to get the old offer through CreditKarma. Cash App is a financial services application available in the US. Personal Loans. Interest starts immediately because cash advances have no grace period. People often complain about Citi's customer service (which is totally justified) but honestly their IT side sucks just as much. I don't think any other credit card companies accept debit card payments. AAoA is still reporting as 4 years but it will be dropping next month when the accounts are posted. Nov 15, 2023 路 In the event that the card does get lost or stolen, the Citi ® Quick Lock feature on the Citi Mobile ® App or Citi ® Online instantly blocks new purchases and cash advances while allowing recurring transactions, payments, balance transfers, and credits to continue without disruption. There is NO charge from AmEx and NO credit card surcharge from Venmo. Filed a complaint with the feds and next day I had a VP calling me from Citibank and fixed the charges right away. I believe all Citi cards can be paid this way. I just got approved for a BPI gold. like with a Debit Card to use a CC, thinking it's how to apply for a PIN. With CC Cash Advances, it all depends on how the merchant runs the charge i. Chase doesn't even want to turn off cash advance for me, best they can do is lower the limit to $100. I requested a cash advance pin tapos wala akong nareceive na confirmation nor anything so akala ko inignore lang ako. It’s always subjective. You can unlock it just as easily if the card is retrieved. It is just treated as a normal purchase transaction with no fees and no "cash advance" interest charges. It doesn’t. We would like to show you a description here but the site won’t allow us. It offers peer-to-peer money transfer, bitcoin and stock exchange, bitcoin on-chain and lightning wallet, personalised debit card, savings account, short term lending and other services. For ATM transactions, you will need to request a 4-digit PIN, in case you did not receive one after being approved for an account. I’m not sure they even do that anymore, not that I get cash advances anymore because of the lower cash access line, no grace period, and high fees/interest (except for the Discover cash at Cash advance = withdraw from your credit limit plus 200php fee more or less. The credit limit is set on an individual basis, at Citibank’s discretion, in an amount up to RUB 300,000 and may be increased up to RUB 1,500,000 (or up to RUB 3,000,000 for Citigold ® and Citigold Private Client ® customers). May mga advisory na din ung ibang local banks na pag "Chip + PIN", cash advance PIN ung gamit. She doesn't think the PIN will work for purchases. I called their hotline and ask for supervisor. BDO has no facility similar to Citibank's Citipay All So I requested a Cash Advance PIN from BDO, since I thought you need a PIN num. Use of the PIN alone won’t make the transaction automatically be treated as a cash advance. 5% of transaction for any transaction equal to or over $100, debited to your account on the transaction date So If I am to pay my council rates or NRMA insurance with ApplePay in person, will I be hit with a cash advance fee? Venmo is not the issue here; it is Citi's hostile policy towards peer-to-peer transactions. Jul 18, 2024 路 Comparing Cash Advances with Other Options Cash Advances vs. Chase 5/24: 3. Does anyone know how to find your PIN for the citi visa card? I just got it in the mail yesterday, activated it online, and I have access to it on the citi app. Few questions: Will the PIN work at unattended gas stations? I use my PIN at a gas pump, is the purchase treated as a cash advance or a regular purchase? Thanks! E: if anyone can also answer for a Costco Citi card please do, thanks! Jan 10, 2023 路 When you might need a credit card PIN. com, though it's possible these offers will soon also change for the worse. Best Cash Advance Credit Cards in 2024 I just paid $37. I had to Sherlock Holmes the situation myself - got the store camera shots showing the fraud taking place, still didn’t do anything with Citibank. But getting a cash advance has high interest rates so it’s not recommended at all unless it’s really an emergency. Weird. So you have to ask yourself how they got your pin? This isn't a unique situation to Citibank, all major banks probably would have done the same thing. Now lang ng text saken ung HSBC na na sent na nila ung Cash Advance Pin ko. 猬囷笍See More for FAQs and pinned posts. 551K subscribers in the churning community. Since there is no foreign transaction fee, I was hoping it would be simple to use the card. Finance charge - 3% Effective Interest Rate per month - 3. Hehehe. Unless you have a Discover card, have received cash back at a grocery store, then was charged crazy interest, you don't know what you're talking about. habit ko rin mag lock ng citibank cc ko and gumagana naman yung locked feature nila sa app kasi one time nag checkout ako sa lazada using my cc then nakalimutan ko i-unlock yung card ko. Just because the credit card purchase goes through doesn't mean you won't be paying a hefty fee! This started probably a few mths ago. 1. Yung normal purchases only incur interest pag late ka nagpay. Kahit security bank ganito rin, snail mail pa. 58%, however, I just received an email just today of the Citi Speed Cash offer but I was shocked na 0. Let’s learn a bit more about cash advances, including how they work and how to obtain one. A cash advance fee will be assessed. Suddenly I get a mail-in offer and it says I have until October 15 to apply with my special link and invitation code That 200 pesos is the Cash Advance fee. I was about to avail Citibank Speed Cash since mas mababa yung interest rate nila 0. Then next month pa siya mag bill. Can be converted to cash, plane reward program miles I'm planning to do a cash advance on my Citi credit card. When you first get your card, you are usually given the option of selecting your own PIN, receiving a system generated PIN, or declining a PIN. A credit card PIN is a four-digit code that you will need to get a cash advance at an I've had AliExpress through PayPal code as a cash advance and nobody wants to be responsible. I requested a PIN for my Capital One credit card. I can't find anything about a PIN on the Citi website beyond one for cash advance. The best cash advance credit card is the Star One Visa Signature Rewards Card because it has a $0 cash advance fee and a low cash advance APR (8. Gusto ko sana kahit 3 months lang yung payment term pero 6 months lang yung minimum eh. Hindi ko pa siya na-experience. I tried Recon twice with no success. I’ve actually seen some credit cards that have a 0 or $250 cash advance limit on cards with credit limits of $5k and higher. 1000 pesos. Sa US at PH kasi, "Chip + Sign" pa din except kung contactless. When I went to a citi ATM to do a small cash advance, it said I needed a pin. A fee amounting to Php 200 will be charged for every Cash Advance transaction. I reached out to Citibank customer service asking about the ability to convert cash back obtained with the Double Cash card into ThankYou points. Thank you so much in advance for your insights. It does appear that you can also convert your cash back to ThankYou Points, with as little as $1. Jan 12, 2024 路 You can also visit a local bank branch and request a cash advance in person. If meron, the store will process it for you. I think you want Citibank's PayAll feature which SB doesn't have. ) Will BDO charge me in any way if I don't use it? To get a Citibank credit card cash advance, you can either withdraw funds from an ATM or visit a local Citibank branch. Your Cash Advance Limit is indicated in the paper that came with your card. Restrictions on ATM transactions: Limits on the number and dollar amount of transactions may be restricted. The card worked (without a pin or signature) in some kiosks (in Italian train stations), but never at gas stations (except where there was a person). For ATM transactions, you will need to request a 4-digit PIN, in case you did not receive one after being approved for an account. valid Naman reason ko to ask supervisor, Ayun waived ung 200 and waiting Ako Ng next month for posting. CitiBank Domestic Cash Advance Fee: $3. Credit card PINs may be required if you want to take out cash advances at ATMs. Does BDO cash advance adds interest per day as per your experience? Ex. You have to request cash advance online or via the phone call. Hi, I have a citi speed cash trasaction amounting to 340k with EIR of 20. 75%). I applied for Citi Custom Cash back in mid-July and got an instant rejection. Cash advances are very costly, ultimately causing you to pay much more money (through fees and interest rates) than you initially withdraw. A credit card PIN is a four-digit code that you will need to get a cash advance at an Credit card PINs are relatively uncommon, but they serve a worthwhile purpose: identifying you. Haven't tried but this was done by some of my friends na. Been almost 3 weeks na ata saken ung HSBC cc ko. I used my Citi Costco visa to purchase things internationally by PayPal (using Costco visa) without any additional fee. Learn more and apply online. Oct 14, 2022 路 To get a Citibank credit card PIN, call the number on the back of your Citibank card and ask customer service for a PIN. On due date, you have to pay the entire thing in full. Reset your Citibank Online PIN securely and easily with your card number and CVV. It's typically sent out by the bank when the card comes, and the cardholder often is able to change the PIN to whatever they want. Mine works fine on Grab app. A PIN is usually required for two types of credit card transactions: cash advances at ATMs and some purchases abroad. Reason: we are not aware that it was cash advance. I called Citi Visa and the rep said the PIN is only for ATMs. the app and website did not indicated that it was cash advance and it should be bills payment. " Interest on the cash advance is being calculated every single day until the day that it is 100% paid off. Capital One Savor, United Mileage Plus from Chase and the Costco Citi Visa. The old offer was $200 after $750 spend over 3 months, so this is a change for the worse. Need din ba magbigay ng authorization letter if ever? Thank you! Police didn’t care, Citibank blamed me. Such low cash advance costs are very uncommon, as other cards typically charge cash advance fees of 3% to 5% with an interest rate well over 20%. Be careful out there. Cash withdrawal fraud at an ATM is hard to do, because the person had to know your pin to make the transaction. pero lately lang, napasukan pa din ako ng unauthorized charge kahit naka locked yung cc ko. 'Yung default PIN depende sa bank kung paano makukuha. Nexo is the world’s leading regulated digital assets institution. And I would like to borrow muna sana funds from it so plan ko cash advance. May nakapag try ba nito? Thank you! Skip to main content Get the Reddit app Scan this QR code to download the app now Go to the citibank website. Refer to List A Credit Utilization, Oldest CC account, & Income are the same. . May 28, 2024 路 To get a Citibank credit card cash advance, you can either withdraw funds from an ATM or visit a local Citibank branch. Hi there, ask ko lang. Anybody know about Citi Custom Cash? Does not work for Citi Custom Cash. (SINDAKAN nalang and wag matakot) . Baka hindi ka pa eligible sa full na 20k cash advance limit kasi sabi mo bago lang yung card. Skip to main content I've not traveled outside the US before but some reading says that credit cards need a pin. 16%* *Cash Advance Effective Interest Rate per month = Average Monthly Interest plus Cash Advance Fee divided by the Avergae Principal Balance. It's not a cash advance. Bank Transfer as the guy before me said is only for savings account. edit: grammar Dec 29, 2021 路 Citi rewards credit card, Indian Oil Citi credit card, Citi cash back credit card, Citi prestige credit card, etc. For the next request, I opted for branch pickup. Depends if may current promo yung card issuer sa store. Magulat ako isang araw may dumating na mail from the bank, andon yung CA PIN hahaha. However you can only withdraw a percentage of your available limit (usually 30%). TIL: There was a fraud scheme also named "Gone in 60 Seconds" in 2012 which stole millions from Citibank. It is very time-consuming especially when using the Citi cellphone app. Pwede po kayang mag cash advance ng 20k? Tapos babayaran din after magkaron ng SOA. For BPI, Cash Advance is different from Credit-to-Cash. Reasons to Avoid Credit Card Cash Advances. 11% (5years). CC din gamit ko. I have 3 cards that don't charge foreign transaction fees. while you apply for a Citibank credit card and receive the same, it is compulsory to generate a 4-digit pin. Nagkaganyan din ako dati sa BPI pero sa Europe naman. Seems like a courier problem. Tama ba na papaalam muna ako sa CS to change? Or… Ultimately I also had to wait for snail mail to deliver me a stupid PIN and they locked that card for the full week while I was still in the middle of trying to meet the minimum spending requirement. I have a Discover card, and when I use it at a grocery store and remember I need cash (my debit cards stay locked up), I get cash back from my transaction. pinawaived ko ung 200 fee and finance NUNG ganitong ko. e either as a retail purchase or a cash advance. Kaya lang reflect din yun agad sa next statement mo. A place to learn and talk about credit card rewards 2. Walang details doon sa email nila kaya hindi ko sure kung depende siya sa amount. 97%. In the mail package I got a day before the card, it says that if you want a pin, you need to call customer service. I called Captial One and the rep there said she thinks the PIN should work for purchases (but if the card is used in Feb 19, 2024 路 To get a Citibank credit card PIN, call the number on the back of your Citibank card and ask customer service for a PIN. In addition to the Citi Simplicity Card cash advance fee, there may be additional ATM fees, depending on where you withdraw the money from. Your Citi Cash Advance® limit is a portion of your regular credit limit, and may vary from time to time depending on your credit standing with us. How do I do it? Should I just go to a Unionbank ATM and enter the PIN just like a debit card? Usually cash advance lang via ATM may PIN pero ayon sa PNB may merchants daw talaga nagre-require ng PIN. 74% (3 years). Yes, but the downside is: "Citi Cash Advance® transactions are subject to an interest rate of 2. may sms alert akong nareceive na may di nag push through na transaction dahil naka lock sa app yung card ko. Will BDO charge a fee for the transaction? C. 00%/month and a Citi Cash Advance® Service Charge of P200 per Citi Cash Advance transaction. I got the Citi Premier to have as another option outside of the Amex ecosystem. Metrobank 24-Hour Customer Service Hotline: (02) 88-700-700 Domestic Toll-Free Hotline: 1-800-1-888-5775 I don't have the Citi Double Cash card, the only two Citi cards I currently have are the Citi Custom Cash and the Citi Shop Your Way and both have the option of accepting debit card payments thru the phone. ravel Restricted taccount cards are the same in appearance as standard account cards. For some reason Paypal ran the charge as a cash advance for the gift cards. It seems like on the first two, they treat paying with a pin as a Cash Advance, which would incur fees. are a few options that you can apply for. 63 votes, 58 comments. 50 in cash advance fees to Citibank for an ETH purchase I made over two weeks ago. I mention this because others have commented that they were on T-Mobile as well. 50 per transaction under $100, 3. You may need a credit card PIN for two types of transactions: getting cash advances and making purchases in some foreign countries. Aug 12, 2024 路 To get a Citibank credit card PIN, call the number on the back of your Citibank card and ask customer service for a PIN. Option lang to if you need instant cash. Is there anyone who has been ever charged with this fee? As I mentioned I used this payment type (PayPal and Costco visa) for the same purchase many times and there was never Compare the various Citi Cash Loans and Installment payment solutions to get cash, finance a purchase, or refinance debts. Usually banks are pretty good with disclosures as required by law, but not cash advances. A credit card PIN is a four-digit code that you will need to get a cash advance at an Call now and avail of your cash advance PIN fast and easy! To report loss or request a new PIN to be sent to your nominated mobile number, please contact us. " Ask ko lang po if mag cash advance saang atm po pwede iwithdraw? Question: A. To obtain cash, insert your card in the ATM’s card reader and follow the prompts. Does anyone know how to setup a PIN for use outside the US? I understand you need to have a Credit Card with a Pin to pay at an unmanned pump for gas in Iceland. Aug 26, 2024 路 To get a Citibank credit card PIN, call the number on the back of your Citibank card and ask customer service for a PIN. However some poorly programmed terminals might assume PIN and ask for it anyway, even though the card doesn’t indicate support, and if you use your cash advance PIN it might still work. Best to just reach out to Citi or check your online account. Curious: if I lost my credit card, and can someone try to take cash from… Most card issuers apply your payment to the lowest interest balances first, and cash advances typically have the highest interest. Requested for redelivery, this time to my present address. How will I get its PIN? Need pa po ba itawag? If nakapagrequest na, will LBC or Entrego deliver the PIN, or baka sa post office na po kaya? Also, ok lang yung 200 na fee since part naman ang CA for the holiday cashback promo. A congregation of like minded people who shares how to reach closer to being financially secure, independent, how policies affect our ability to reach FI and different ways to manage our wealth for it. The ringleader and 13 accomplices were caught, with one remaining a fugitive as of 2014. You get charged for interest immediately (parang GCredit and Revi). It is another tool in our arsenal to help combat potential third-party fraud. Cash advance fee: 5% (min $10) of each cash advance transaction. Still didn't get the letter 2 weeks after receiving another sms saying the PIN was sent. It does say may vary from time to time. Citi isn't trying to screw you over with the penalties but they should be able to credit you the fees depending on you relationship with them. Kanina nag avail ako ng speed cash via citibank amounting 20K. I have a Citibank credit card, but I want to find out my available cash advance limit on it. Pwede bang bayaran ko yung 20K ng advance? Para dj ko na paabutin ng 6 months. The cash advance pin will be mailed to you upon request from their website. di rin The PIN on a credit card would be the same as the cash advance PIN, which most people probably don't know since cash advances are generally an expensive way to get cash. Anyway, call and ask. We have the Costco Citi Visa chip card and the Capital One Quicksilver Visa chip card and requested PIN from both. Cash advances. igngayyqoiahxpsnqmklkzokbfkdylzlxxplkksblbcjysyre