Nowadays, people will be looking for a place to invest their money. They no longer have free time to work more so they want to make extra money without extra effort.
Internet provides us with so many way to make money online. Even for almost free. One of the business model is about investing.
City Build Trade is one of the company who offers an investment program. Are they legit? How much money can we make from them? What are the terms of the investment?
In this article, I will try to describe what I can find about the company and the investment program they offer. Hopefully this can help other people to decide whether they should or shouldn’t be investing their money here.
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Program Type: High Yield Investment Program (HYIP)
Minimum deposit: $1
Maximum deposit: $500,000
Investment Plan: 102% after 7 days (including initial deposit)
Referral Commission: 1%
Started Since 24 February 2014
My Status: PAYING (May 2020)
Payment Method: Perfect Money,
WARNING – City Build Trade is one of HYIP
High Yield Investment Program (HYIP), is a program where anybody can deposit some money as investment and get a high profit in return after a duration of time. How high the profit can be very relative but still, they are not very sustainable for the long term.
They will be out of business, eventually. Not necessarily because they are scams, but sometimes just a single mistake can cause them to lose a lot of money.
Some consider this as PONZI scheme, where the first investor get paid by the next one. Eventually the last member won’t get paid at all.
IF YOU ARE NOT SURE ABOUT THIS PROGRAM JUST CLOSE THIS PAGE OR SKIP TO THE BOTTOM TO LEARN ABOUT ALTERNATIVE WAY TO MAKE MONEY ONLINE.
Why are people still using this kind of program?
For one thing, there are still some legit programs, even though they will be out of business sooner or later. People can still make money out of them.
Another thing is that people sometimes just want some extra income right away. They can no longer afford time and energy to work and build a business in a legit way. Some even already work for two jobs.
Investing some money is their only way. Hopefully to get something in return.
Why do I still use this kind of program?
Some people would say that this is not a legit way to make money online, let alone as a business for passive income. It is a scam and we will lose the money.
I tend to agree and in general will not recommend anybody to use.
But the legit way to make money online and turn them into a business requires time and hard work even money to start that not everybody can afford. What I’m doing here on this website is exactly one of them. We build website like this and fill them with helpful information, get traffic and monetize.
You can learn more about it below. There are other way to make money online that I share here on this website.
I’m here just to share my experience, observation and point of view regarding this program. To help people make decision on whether they should spend their money with this program or not.
So you can just read about my story with them. No need to follow me invest some money or even join the program because I’m not recommending this in general. Do it at your own risk.
And it is all for the sake of making money online in a legit way.
Some tips for using HYIP service
If you are still willing to give this kind of program to try, there are some tips that we can use in general for every HYIP.
First of all, consider this program not as investment but more like gambling. Which means, just think that the chances are we are going to lose the money.
Use the money we can afford to lose. Not the money you need to pay rent or school or food. Maybe money for cigarettes, or vacation.
Do not to think about making money or even huge profit, consider it just a bonus if we get. And if we do get some profit, try to save it for another program if you want. Think about investing as a whole not just per program.
Get our investment back as soon as we can. Do not try to compound or reinvest before that. Once we get our initial investment back, we can reinvest as we please.
Do our own due diligence. Research first, read from monitor, forum, or other people’s blog or website. Try to understand which user is actually give some time to invest. Anybody can say anything on the internet, even those who doesn’t have anything to do with it.
Test first, by try using every feature from the platform. Send tickets to support, ask them anything. Make sure we understand the rule and terms, how to deposit, or withdraw.
Choose the very low minimum investment plans so we are not going to lose money that much. There are a lot of ways to earn money online for free that I share here. Maybe just a few cents but we can try investment program with very low minimum deposit.
It is very easy to be tempted to reinvest our money once we know that the program is legit or just because we get our first payment. We think that the program will keep paying.
Remember that one of the reason for them to stop paying is because they lose the money, or make a mistake. Not just because they are scam from the beginning.
We have to control ourselves, set rules that we follow.
If you have set up your mind and still want to give this a try, keep reading. If you are not ready just skip to the very end of this post.
“CityBuildTrade (CBT) is a renowned leader in construction industry. Our unmatched experience has brought us to the largest projects we have ever had. CBT portfolio includes dozens of accomplished projects, few collaborations and nine international constructions.”
That is the only description we can find from their website. Honestly there is no way we can prove whether they are actually manage their investment on construction or not.
Even if they do, what really matter is whether they can deliver their service or not. After more than 5 years and still offering their service, maybe we can consider them as a legit one.
But remember, every HYIP will eventually stop paying. So just take your time, to read and do research more about them below before make our first deposit.
Every information on homepage just lead to sign up. Including the news one instead of a page describing more info about the company.
About checking Whois
Back then, checking the identity behind a website using Whois tools can be very helpful. But, at the same time causing problem of privacy to them.
Now, all we can see is a hidden data, redacted for privacy. So, this method is no longer relevant, at least, directly about the owner of the website.
We can still see the data of the registrar. In this case, eNom, LLC, a US based. Maybe if we can contact them if something happen, like they stop paying.
Other thing that we can still see is the date when the domain was created. For citybuildtrade, it was on Februari 19, 2014, few days before the launch.
The last time the data was updated was on September 13, 2018. The registration will expire on February 19, 2028.
This means that they already pay the annual fee for domain registration until 2028. On one hand, this can be considered as being serious for long term plan.
On the other, domain fee is not that expensive. Especially after collecting a lot of money over the years of serving.
Support, contact for more information
The website displays this email address, firstname.lastname@example.org as a way to contact them. So far, the reply I got always from email@example.com. Maybe we should contact that one directly.
The replies I got so far always at least 12 hours. I think we should be expecting more than 1 day.
A bad sign?
About their website
The script they use for their website is an old script. I already saw this interface back in 2008. So this is just a standard, template design for HYIP website.
It is said that the script was build by Gold Coders. They already build codes like this since 2004. We can check by using domains name, that City Build Trade has license to use the script.
Goldpoll, one of the best monitor for HYIP even suggest that those with cheap script should be considered as not being serious for doing business. One of the indication of a scam.
Yet, Goldpoll, at the time for this writing, put Citybuildtrade.com, with standard template script, on second position of their listing. One of the best.
So should we still consider the choice of script they use as indication of being legit or scam? In my opinion, I don’t mind if they use the same interface as others as long as they can deliver their service.
Using a different, customized script probably would require them to pay special coding technician to maintain or fix. That could add operational cost.
Of course, it is still a reasonable consideration.
Problem with logging in
Sometimes, when we try to log in, it’s like it fails. A lot of complain we can find that say they can’t log in again.
What I can understand from this is that we just need to try clicking other link available on the website. Sometimes I need to try click the on at the bottom.
So it is not that we can’t log in, it is just bad redirect that suppose to send user to dashboard but instead back to homepage.
I think there is also a limited login time. Like only 30 minutes and we get logged out even if we are using them.
Yes, this is really bad, considering they use a standard, template website. I thought that if they use the standard, they will not have this problem.
Standard sign up data we need to fill like, name, username, email, oayment ID for both, email, password, and secret question and answer. Sign up with username not email.
I didn’t even get a notification after I signed up. Just make sure we memorize the login data or even which email we use to register.
Another bad sign?
Advanced login security settings
So, there is also an advanced log in security settings. At the bottom of navigation, there is a Security tab.
Actually I haven’t tried this one. And I think we shouldn’t, considering how bad the website script is.
If we access the website from different IP, maybe we will get a warning. Maybe we need to make a confirmation by clicking a link they send to our email.
There is also an option for detecting different browser access. Here are the options.
Detect IP change sensitivity: disabled, medium, high, or paranoic. Detect browser change: disabled or enabled.
Don’t forget to click the set button should you choose to try it out.
INVESTMENT PLAN REVIEW
Investment plan is the main feature of any HYIP. This is the only thing that most people would care about. How good the plan is usually can indicate how long they are going to survive.
102% after 7 days
102% after a week that includes the initial deposit. So we get 2% profit after a week. A lot of people might misunderstand this and think that we could get a total of 202% after 7 days.
For 2% a week means 0.28% per day. This is actually a rather low yield any HYIP can offer. Back then I used to set like 1% maximum for any HYIP that I can consider as a legit.
Like I mentioned above, those 1% per day program didn’t stand the test of time, but still long enough to make profit for me. So this is actually a good one because it is very low profit.
The program will return the money to our city build trade account right to the exact second not just counting days. We have to wait and there is no countdown to the exact time, just number of days remaining.
I think the program is set on GMT+3 time zone. So we can see at what time we made the deposit, and wait accordingly.
Why low is good?
Well this is not like interest from a bank which is very low. They can offer high yield means they have to work it out. If they are giving out too much money to investors, not enough for them, they will go broke.
There are still operational cost, paying salary for the trader, fees for trading, even for hosting cheap website and paying domain. It’s about finding a balance, sustainable business model.
Let’s say they get the money from trading Forex, the more deposit they get, the more money they have to trade to make. On the other hand, once they lose, they could lose a lot as well. This usually the first step for any HYIP to become a scam.
Unless they save some money, put it on separate account to mitigate this. And this is why the legit program won’t be able to offer too much profit.
CBT 1 only, so far
Based on the name for their investment plan, we can assume that they were planning to offer more than one plan. But after 5 years, there is still only one, City Build Trade (CBT) 1.
Offering just one single plan is actually a good idea. The company can have a steady plan like how much money they need to have for the next week.
Other program with several different plan usually offers a higher profit with a higher minimum deposit. The bad thing about this as I mentioned above is that, soon, they will become too much of a burden to the company.
Not to mention that we can only deposit one per plan despite their statement on the FAQ page. Maybe we should just ignore that and ask them directly about the whole terms.
This will limit the possibility of too much work for them. While a scam wouldn’t even care and they will open and get as many deposit as they can. And run away.
So, it is probably a good sign?
From 105% to 102%
They also changed the plan over the years. I mean the number. If we look at some monitoring programs, city build trade used to offer 105% after 7 days.
This is still very low, just 0.71%. Now is just more than one third of it.
I think this is good. The fact that they changed the plan means they realized that the initial plan is no longer sustainable for long term. Maybe we should expect them to change it again in the future?
Once again, a scam would probably just give more false hope and they suddenly not paying anymore. Or they could open another program, website or investment plan to get more money and run away.
That is exactly how they become a PONZI scheme.
When something like this happen, it is a sign for any investor to stop deposit their money and withdraw. Hopefully we can still get some money back.
Remember that we should be prepared to lose our money here.
The 7 days period and ROI
This is not just the time we have to wait for each of our deposit to return. There is something else we can take from it.
The shortest period can be daily or even hourly payment and the longest one can be one or even two years.
For the short one, within a year, we can get more cycle but the long one probably just one or not even done. So the long lifetime of a program probably not enough for us to know whether they are legit or not.
Maybe they have operated 4 years but the plan they offer needs like 2 years to finish. So in 4 years we only get 2 cycles.
With 2% per week profit, we need at least 50 weeks before we can reach return of investment. It is almost a year. Maybe if they lower the interest, we need more time.
Of course we don’t have to wait that long. Maybe just few cycles in a few weeks and we can get our money back with profit. Just make sure we can still cover the fees from payment processor.
$1 minimum and $500,000 maximum
So this is one of the HYIP program with very minimum deposit. We can try and not too worry about losing too much money.
On the other hand, the maximum is a bit too high. Of course, I doubt that anybody would actually deposit to that number. But still, the idea is it is better to make as many limitation as they can.
The good thing is the policy to only make one deposit at a time.
PAYMENT METHOD AND WITHDRAW
Maybe they offer other method using cryptocurrency, bitcoin to be specific, before since a lot of monitoring program said so. But it is no longer possible.
We can put our payment ID later, no need to fill right away upon signing up. But if we want to change the ID after we register one, I think we need to contact city build trade directly.
We have to put the ID first before making our initial deposit.
The withdraw is not instantly but manually. So we need to wait for a couple of hours before we receive them. The FAQ page says that it will be done within 12 hours. Not really sure since the whole FAQ seems just a template, probably copy of an old program.
We have to contact support for more details. I asked them about the minimum to withdraw and they replied $0.01 minimum withdraw for Perfect Money and $0.02 for Payeer.
I’ve tried to withdraw my $5.00 and get paid to my Payeer account within 10 minutes. I got $4.95 so the 5 cents probably a fee of 1% from Payeer. The picture below is the email we receive after we get paid.
When I tried to withdraw, I couldn’t do it at first. I got $5 and the profit from investing here. It keep saying that I ask to withdraw more than I have on the balance.
Turns out that we need to click the white dot beside the word Payeer until it has a black dot on the withdraw page. I thought because I only use one payment method it will automatically select that method.
My second withdraw was the next week after the first one. I didn’t get my payment as soon as the first one. It took me more than 24 hours.
I did ask them when am I gonna get paid and they reply that the payment is manual and will be done within 24 hours. Yet, I got it in 24 hours and 4 minutes.
Got it at 3.47 (GMT+7). The request was 3.43 the day before.
Should I care about the 4 minutes late? Or just be happy that they are still paying?
My third payment, I got it at 21.48 (GMT+7). That is 17 hours since the request. March 21, 2019
4th payment was at 3.39, 23 hours since the request. March 28, 2019
5th Payment was at 7.23, 13 hours since the request. April 4, 2019
6th payment was at 2.38, 21 hours since the request. April 11, 2019
7th payment was at 1.05, 7 hours since the request. April 18, 2019
8th payment was at 22.16, 14 hours since the request. April 25, 2019
9th payment was at 20.07, 10 hours since the request. May 2, 2019
10th payment was at 1:19, 12 hours since the request. May 10, 2019
11th payment was at 6:49, 15 hours since the request. May 17, 2019
12th payment was at 23:58, 6 hours since the request. May 31, 2019
13th payment was at 1:16, 10 hours since the request. July 6, 2019
14th payment was at 1:28, 8 hours since the request. July 13, 2019
15th payment was at 23:06, 5 hours since the request. July 19, 2019
16th payment was at 21:46, 2 hours since the request. July 26, 2019
17th payment was at 00:37, 23 hours since the request. August 4, 2019
18th payment was at 2:57, 30 minutes since the request. August 10, 2019
19th payment was at 1:08, 22 hours since the request. August 18, 2019
20th payment was at 3:11, almost 24 hours since the request. August 25, 2019
21st payment was at 6:34, 27 hours since the request. September 1, 2019
22nd payment was at 3:32, 23 hours since the request. September 8, 2019
23rd payment was at 20:03, 12 hours since the request. September 14, 2019
24th payment was at 1:02, 16 hours since the request. September 22, 2019
25th payment was at 23:38, 13 hours since the request. September 28, 2019
26th payment was at 23:31, 13 hours since the request. October 5, 2019
27th payment was at 23:24, 12 hours since the request. October 12, 2019
28th payment was at 3:02, 16 hours since the request. October 20, 2019
29th payment was at 3:57, 17 hours since the request. October 27,2019
30th payment was at 2:36, 16 hours since the request. November 3, 2019
31st payment was at 01:05, 13 hours since the request. November 10, 2019
32nd payment was at 03:50, 16 hours since the request. November 17, 2019
33rd payment was at 22:24, 10 hours since the request. November 23, 2019
34th payment was at 1:33, 13 hours since the request. December 1, 2019
35th payment was at 19:39, 7 hours since the request. December 7, 2019
36th payment was at 4:44, 17 hours since the request. December 15, 2019
37th payment was at 21:39, 9 hours since the request. December 21, 2019
38th payment was at 4:51, 17 hours since the request. December 29, 2019
39th payment was at 3:38, 11 hours since the request. January 5, 2020
40th payment was at 2:15, 8 hours since the request. January 12, 2020
41st payment was at 1:17, 7 hours since the request. January 19, 2020
42nd payment was at 1:05, 13 hours since the request. January 27, 2020
43rd payment was at 2:15, 14 hours since the request. February 3, 2020
44th payment was at 2:13, 14 hours since the request. February 10, 2020
45th payment was at 3:27, 15 hours since the request. February 17, 2020
46th payment was at 2:24, 14 hours since the request. February 24, 2020
March 2020. CityBuildTrade.com has decided to stop using Payeer as the payment method. We can no longer reinvest our account Payeer balance. At first, I thought that we can still submit the withdraw request since the option was still available.
However after 24 hours, they didn’t process the payment and so I contacted them via email. Like the next day, they replied back to the news article. In that article they say that they are not going to process payment via Payeer and for those who has submitted the request, they can instead cancel it.
There is a cancel button right next on the WITHDRAW HISTORY page but it is kind of hard to see. It is right next to the pending amount if I recall correctly.
Then we can exchange the Payeer balance into Perfect Money without any additional fee. There is another additional menu on the dashboard.
Right after that, I did reinvest the money and made a withdraw to my Perfect Money. I already got paid within 24 hours since the request.
1st payment with Perfect Money. Paid at 18:43, March 10, 2020 (GMT+7), 17 hours since the request.
2nd payment. Paid at 1:43, March 18, 2020 (GMT+7), almost 24 hours since the request.
3rd payment. Paid at 3:01, March 24, 2020 (GMT+7), about 1 hour since the request.
4th payment. Paid at 1:58, April 1, 2020 (GMT+7), about 15 hours since the request.
5th payment. Paid at 1:30, April 8, 2020 (GMT+7), about 16 hours since the request.
6th payment. Paid at 23:56, April 14, 2020 (GMT+7), about 14 hours since the request.
7th payment. Paid at 19:16, April 21, 2020 (GMT+7), about 8 hours since the request.
8th payment. Paid at 22:04, April 28, 2020 (GMT+7), about 11 hours since the request.
9th payment. Paid at 1:50, May 6, 2020 (GMT+7), about 14 hours since the request.
10th payment. Paid at 21:44, May 12, 2020 (GMT+7), about 10 hours since the request.
11th payment. Paid at 4:45, May 20, 2020 (GMT+7), about 16 hours since the request.
12th withdraw. Paid at 22:39, May 26, 2020 (GMT+7), about 11 hours since the request.
I will try to update this part every week.
PLANNING THE INVESTMENT
If you are still with me to this point, I take it that you are ready to take the risk of investing on this HYIP. I’m not going to remind you again.
Let’s plan ahead how to make a better investment here.
As we know that we can start investing as low as $1. We need like 50 weeks before we reach back another $1.
My suggestion would be invest more, like $5 or $10. This way we can get like 10 weeks or even 5 weeks to reach $1. After that we can withdraw our initial investment and keep reinvesting that $1 we already get.
So we can get reach ROI faster, probably a bit minus the fee or we can add a couple more weeks to cover the fees as well.
After that what we can get is pure profit even though probably just $1 or two.
With Payeer, we need to pay 1% from what we get into our account. So, if we invest $1, we can get $1.02 after a week. If we withdraw that, at least we can make a profit of$0.01.
So my other idea would be to have at least $2, make it into two investments. Right after one of them got expired, withdraw immediately, while investing the other one.
Of course, since it only take like 10 minutes to wait for the withdraw, we can always make it into one investment. This way, we can always check every week whether the program is still paying or not.
Remember. Once again, making money is not our priority here, let alone a lot of money. This is HYIP, they can shut down their business anytime. This could even happen before we reach minimum $1 profit to reinvest.
So, hopefully for the last time. Think this through before making that deposit.
REFERRAL / AFFILIATE PROGRAM
Like any other online program, city build trade also offer some money to pay their investor using an affiliate program. We can have other people join using the referral link of our city build trade account, and those people will become our referrals.
I still haven’t got a clear number about the bonus commissions. Some says 1% the other 2%.
I asked the support about this. Sent an email, waited for a day and didn’t get any reply. Sent another one to the webmaster, not support address, they finally gave me a reply after 1 day.
They said the commission is 1%. Without further explanation.
I get it that this is not their main feature but still. Maybe we should just wait for it to happen.
Other user said on their blog that CBT is giving bonus commission only per deposit from the referral. We can get the bonus only if they make a deposit from outside payment and not from reinvesting the money.
So, I can get more money if I suggest my referral to keep withdraw and investing again their money. But, as I stated above, I’m not recommending anybody to even join this program.
We can surely make money from this but we can also lose it. Do it on your own risk.
City build trade also provide us with some HTML code, intended as a promotional banner. And it is not even a banner. Just some words with our referral link. Maybe another bad sign?
You need to understand how HTML work at least to get the referral link.
From those “banners” code you can see something like the above. Between the quotation marks is your referral link. Share them to get more referrals.
STATUS FROM FORUMS, MONITORS
For any HYIP, it’s a good thing to check all available monitors and forums to see if whether the program is paying or not. Right to the second before we hit the deposit button.
Obviously, we can’t just check them once. We need to keep track from time to time. See if there is any indication of problem with payment.
Use the link below to see all the monitors currently investing on City Build Trade.
We don’t need to trust everyone of them. Over the time we will eventually get used to which of these monitors we really need to check. Goldpoll is probably one of the oldest monitor.
Here are some forums that currently discussing the program. To be honest, there is not much to see, since there is no deep discussion. Usually just some members, probably from other monitoring program posting about getting paid.
And here is another list of monitoring website or blog currently using City Build Trade service. They posts their payment report regularly. Somehow there are a lot of users from Russia who use this service. Maybe thanks to Payeer payment.
Five years is not a short time, especially for a HYIP. Usually they only last for a year or two. This means something, despite the fact that any HYIP will eventually stop paying or become scams.
How City Build Trade represent themselves, with their website design, script, and information on it, is very bad. Just a copy of standard, old, template script.
I really don’t mind that they don’t use special design, just for them. But I expect that the website would work properly. If you think that this is a deal breaker, then City Build Trade is not for you.
Nevertheless, what any HYIP offers as investment sometimes what matters.
Their investment plan can be considered as low risk compared to any regular HYIP. Very low minimum deposit and a rather short term investment, just weekly.
There a lot of limitation to invest which in the case of HYIP can be very good to stay around for a long time. And they have proven it.
Only one deposit at a time with only one investment plan. The profit they offer is very low which is already lower than their initial plan. All of these limitation will help the company not to have too much burden.
I can say that this one is a legit one not scams. But, as I mentioned before, they will become one, probably later. Just one bad decision for the fund is enough to turn them into scams.
Probably the worst thing about investing in HYIP is that we will always wonder if today is the day they will become scam. Then we try to check every monitor. This also true when we don’t get our payment right away. It’s like we are haunted every second until the time limit they promise.
Once again, I’m not recommending anybody to invest in here, or any HYIP. If you still consider this as an opportunity, please do it at your own risk. Follow my tips I mentioned above and hopefully you can still make some money.
You can start your investment here.
FINAL WORDS – BETTER WAY TO USE OUR MONEY
HYIP is not the best way to use our money. Even if we use the free money we get from other online program that you can find here on my website.
HYIP is like gambling. There is a big chance that we will lose the money and people would not consider this as a legit way to make money.
Instead, we can invest on our own online business.
If you want to know more about how to start online business, there are a lot of training out there like this one. We can learn about how to set up a website and build content and how to make money online. You can read my review here about them.
Spend our time and money to build a website that can generate an income for ourselves. Unlike investment on HYIP, if we lose the money we lose everything and we need to start over.
If we invest on our website, our hard work can eventually pays off. The only way to lose our investment is if we give up on it or abandon it. We just need to spend some little time everyday and it will grow.
Building a business requires time and hard work. Even Jeff Bezos need two years before Amazon reach return of investment.
The same thing can happen for us on building online business. The sooner we do it the sooner we become successful.
I realize that not everybody still have the time to do this but at least use the money to pay outsource to help you build the website. We just need to learn and understand how the it works and we can pay somebody else to do it for us.
You can learn everything there in the training. Try it, it’s for FREE.
Anybody can use it. Even for a guy without a college degree.
That’s all I can share with you regarding City Build Trade program. Maybe I missed something and if you have something to add, please use the comment section below, I would be happy to learn.
Hope this helps. Thanks for reading.