Need Some Advice.. RE: BT. Opened 2 New CitiBank Cards..

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
12 posts
Dylan1982
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Postby Dylan1982 » Sun Jul 01, 2012 5:11 am

Thanks for all the help CC Deville and Ratdude (lol)..

Another question, I see with my Citi cards I can get that same chip as well?? What is it and what is it used for?

I didn't know the Diamond was a 'better' card even though it has no bells and whistles.. maybe later today I will make a twitter account and see if I can get ahold of the @AskCitit twitter reps. Are they available 24/7?

I was actually very surprised that I got the TY and DP card with both with a $4,600 limit!! :)
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)


CC Deville
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Postby CC Deville » Sun Jul 01, 2012 9:09 am

Dylan1982 wrote:Thanks for all the help CC Deville and Ratdude (lol)..

Another question, I see with my Citi cards I can get that same chip as well?? What is it and what is it used for?

I didn't know the Diamond was a 'better' card even though it has no bells and whistles.. maybe later today I will make a twitter account and see if I can get ahold of the @AskCitit twitter reps. Are they available 24/7?

I was actually very surprised that I got the TY and DP card with both with a $4,600 limit!! :)


I am not sure if the Diamond Preferred is available with the EMV Chip, but Thank You is (as long as it is a MasterCard-not Visa). In short, EMV is a computer chip on the front of the card that approves or declines a purchase rather than using the 60 year old mag stripe technology that we use here. EMV cards are very hard to counterfeit and because they require a PIN to approve the sale, finding a card on the street with EMV is rendered useless for a face-to-face transaction. Right now, the only real reason for an American to have an EMV chip card is if you are planning a vacation to Europe soon as very few merchants can accept an EMV transaction here in the US. Virtually all of the rest of the world has either complletely changed to EMV or is in the process...even third world and developing countries like Mexico, India, Brazil and the Congo have switched over. For a better explaination see this Wikipedia article about EMV: EMV - Wikipedia, the free encyclopedia EMV is finally coming to the US so you will likely be hearing more about it within the next few years.

It is hard to say which is better, Diamond or Thank You....Diamond has concierge but Thank You has points that can be redeemed for free merchandise etc. Personally, I like cash back so I have Dividend (although it is now sockdrawered in favor of my BankAmericard Cash Reward card). Diamond Preferred, in the past, was marketed as a slightly higher level card.

The Twitter team is only available Monday thru Friday. Your other option is to call the Retention Dept. at the number I posted earlier in this thread.



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