Which Citi Card Is Right For Me?

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Dylan1982
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Which Citi Card Is Right For Me?

Postby Dylan1982 » Thu Apr 26, 2012 10:12 am

Forward, Platinum Select, Thank Your or Dividend...

I want to do a BT from my GM card to one of these cards. They all seem to be the same with their promotions. I always see a lot of members here promoting Citi and the above lines of cc.

If I were to do a BT, lets say I do not pay the balance in full, does Citi charge you interest from day one then after the promotion ends do they add the accured interest to your account?

I also want a new card bc I want more credit on my report, also I want to get my utilization down, it's currently at 50%

From my thread here GM card refuses to lower my APR.

Any advice or tips would be greatly appreciated!!
Chase Freedom - $12,500 (2/2013)
GM Card - $7,700 (7/2002)
CitiBank (Thank You Preferred) - $6,400 (6/2012)
CitiBank (Diamond Preferred) - $4,600 (6/2012)
Rogers & Hollands - $3,300 (3/2006)
Target REDcard - $3,000 (11/2014)
BestBuy - $1,600 (9/2003)
Discount Tires - $1,000 (2/2004)
Kohl's - $300 (4/2012)


andy1088
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Postby andy1088 » Thu Apr 26, 2012 11:40 am

Dylan1982 wrote:Forward, Platinum Select, Thank Your or Dividend...

I want to do a BT from my GM card to one of these cards. They all seem to be the same with their promotions. I always see a lot of members here promoting Citi and the above lines of cc.

If I were to do a BT, lets say I do not pay the balance in full, does Citi charge you interest from day one then after the promotion ends do they add the accured interest to your account?

I also want a new card bc I want more credit on my report, also I want to get my utilization down, it's currently at 50%

From my thread here GM card refuses to lower my APR.

Any advice or tips would be greatly appreciated!!


I would say get the Platinum Select. No rewards, but a great 18 months of no purchase apr as well as balance transfers (3% fee). This card is great and they gave me a high credit limit for me (first card with 1K)
My cards
Chase-Sapphire-$5,000 Freedom-$3,000, Amazon rewards-$700, Slate-$600
Citi- Diamond Preferred-$4,000, Thank you-$2,500
Discover IT-$2,500
Bank of America cash rewards-$2,000
Capital one newcomer rewards-$500

DavidNY
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Postby DavidNY » Thu Apr 26, 2012 12:40 pm

Dylan1982 wrote:If I were to do a BT, lets say I do not pay the balance in full, does Citi charge you interest from day one then after the promotion ends do they add the accured interest to your account?


No, they don't. the interest begins at the 19th month.

Citi is ho-hum in all other respects, but for BTs they're good, and the offer is the same regardless of which "flavor" you get.

If you're thinking of doing other things with the card, it depends on your spending patterns, but for me I'd go for the Forward card as they give a decent rebate at Amazon, which looks like a bookstore to them.

http://creditcardforum.com/rewards/1116-amazon-credit-card-review-rewards-ripoff.html

Dylan1982
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Postby Dylan1982 » Thu Apr 26, 2012 3:42 pm

andy1088 wrote:I would say get the Platinum Select. No rewards, but a great 18 months of no purchase apr as well as balance transfers (3% fee). This card is great and they gave me a high credit limit for me (first card with 1K)

That is a low limit. My GM card is $7,700. I want to transfer quite a bit as I cannot get the GM card to lower my APR to save my life.
Chase Freedom - $12,500 (2/2013)
GM Card - $7,700 (7/2002)
CitiBank (Thank You Preferred) - $6,400 (6/2012)
CitiBank (Diamond Preferred) - $4,600 (6/2012)
Rogers & Hollands - $3,300 (3/2006)
Target REDcard - $3,000 (11/2014)
BestBuy - $1,600 (9/2003)
Discount Tires - $1,000 (2/2004)
Kohl's - $300 (4/2012)

Moneytalks
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Postby Moneytalks » Thu Apr 26, 2012 6:14 pm

Citi dividend is pretty good, also, diamond preferred is nice if you want the concierge without the annual fee
Wallet: Amex BCE & Chase Freedom. (Credit Card dieting since 2014)

Dylan1982
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Postby Dylan1982 » Sat Apr 28, 2012 5:34 pm

Its funny, today in the mail I got an invitation for a Citi Diamond Preferred Card...

Still cannot decide what card I want.

https://creditcards.citi.com/find-a-credit-card-by-feature/#
Chase Freedom - $12,500 (2/2013)
GM Card - $7,700 (7/2002)
CitiBank (Thank You Preferred) - $6,400 (6/2012)
CitiBank (Diamond Preferred) - $4,600 (6/2012)
Rogers & Hollands - $3,300 (3/2006)
Target REDcard - $3,000 (11/2014)
BestBuy - $1,600 (9/2003)
Discount Tires - $1,000 (2/2004)
Kohl's - $300 (4/2012)

Money card
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Postby Money card » Sun Apr 29, 2012 12:35 am

What cards do you have? what purchases do you make with your cards? Do you like to shop like to shop at department stores or eat at restaurants? Do you like to use your cards at gas stations, grocery stores, movies, home improvement stores?

Dylan1982
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Location: Chicago

Postby Dylan1982 » Mon Apr 30, 2012 9:00 pm

Money card wrote:What cards do you have? what purchases do you make with your cards? Do you like to shop like to shop at department stores or eat at restaurants? Do you like to use your cards at gas stations, grocery stores, movies, home improvement stores?

I have only 1 big bank card; The GM MC. If I make purchases with my card it is for gas, groceries and maybe some fast food.

Based on that, what Citi cards would work for me?
Chase Freedom - $12,500 (2/2013)
GM Card - $7,700 (7/2002)
CitiBank (Thank You Preferred) - $6,400 (6/2012)
CitiBank (Diamond Preferred) - $4,600 (6/2012)
Rogers & Hollands - $3,300 (3/2006)
Target REDcard - $3,000 (11/2014)
BestBuy - $1,600 (9/2003)
Discount Tires - $1,000 (2/2004)
Kohl's - $300 (4/2012)

Dylan1982
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Location: Chicago

Postby Dylan1982 » Mon Apr 30, 2012 9:10 pm

I think the Diamond Preferred card or Forward card is right for me. Is it better that I got an invitation for the Diamond card?

What are the chances of me getting approved for this card?

What are their starting CL?

I want to do a pretty high BT
Chase Freedom - $12,500 (2/2013)
GM Card - $7,700 (7/2002)
CitiBank (Thank You Preferred) - $6,400 (6/2012)
CitiBank (Diamond Preferred) - $4,600 (6/2012)
Rogers & Hollands - $3,300 (3/2006)
Target REDcard - $3,000 (11/2014)
BestBuy - $1,600 (9/2003)
Discount Tires - $1,000 (2/2004)
Kohl's - $300 (4/2012)

JCarter
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Postby JCarter » Mon Apr 30, 2012 10:24 pm

Dylan1982 wrote:I think the Diamond Preferred card or Forward card is right for me. Is it better that I got an invitation for the Diamond card?

What are the chances of me getting approved for this card?

What are their starting CL?

I want to do a pretty high BT


There is no set quota for a starting credit limit. It is based upon your current credit history (based on high utilization, yours may be lower than you would like).

Yes being pre-approved does help, I would go for the Diamond Preferred.



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