- Centurion Member
- Posts: 106
- Joined: Wed Apr 03, 2013 3:16 am
- Location: nyc/ny
that card is only useful if you need to transfer balances or if you go to concerts often. Citi Bank participates in a lot of concert ticket pre sales and can get you tickets sometimes before they go on sale to the general public.
aside from that, it is useless. for new applicants, the interest on it for purchases becomes insanely high after the intro period runs out. usually to the tune of 20% for people with little or no income. i would trash it.
Note: I actually do have a Citi Diamond Preferred World Master Card, but I only use it for ticket pre sales. nothing else.
Junk I use:
AmEx Platinum for Mercedes Benz from, 75k spending ability
AmEx Everyday 8.99% + Prime, 44k CL
Chase Ink Bold, 35k
Chase Freedom (Converted from WaMu VISA) from '07, 5.99% + Prime, 30k CL
Junk I don't use
BoA Susan G. Komen Cash Rewards (converted from World Points MC) from '07, 7.9% Fixed APR, 30k CL
Discover IT (Converted from Discover More) from '08, 5.74% + Prime, 20k CL
AmEx Clear from '07, 4.99% + Prime, 10k CL
All 3 credit scores are over 800.