CC Deville wrote:Also, Citibank is notorious for "bait and switch" rewards wherein they will get you to sign up for an awesome card (my Dividend back in 2004-2007 had 5% back on groceries, gas and drugstores and then 2007-2010ish they changed to 2% on groceries, gas, drugstores and added utilities and then mid 2010 made it a fake a$s Freedom/Discover wannabe with 1% and 5% rotating categories which over the past few years do nothing for me) and then change the rules and "nerf" the rewards.
That's why I'm uneasy about getting any card with an annual fee - from any issuer. With no AF, I can just use a card for $20 per month and keep the history open. Once the AF comes into play, I'd have to hurt my future AAoA when I closed down AF cards with nerfed rewards.
The PRG in my signature being an exception as it is a card I knew I would move away from.