CC Deville wrote:I love my PO Box. I wish I had a lower number box (mine is 6 digits because there are several post offices in Phoenix) but other than that, love it.
PO Boxes are great for frequent movers or privacy seekers. Important mail never comes to my physical address, including credit cards.
I went with the Dividend because I was denied Barclay's Arrival. I wanted a travel card with an EMV chip and Dividend fit the bill. It has travel benes that the forward doesn't have, such as Lost Luggage Coverage and Trip Cancellation / Trip Interruption Coverage. Plus it has Price Rewind, like AMEX. I also dig the temp passwords for online use. I also knew they'd give me a quick 4K for credit line, like my Forward, so that's a quick 8K with one bank. Got $100 back after spending $500, too. Win-win.
Of course, the Forward is good for covering your cell phone if you pay your phone bill with it.
Overall, Citi is great. I wish they had a longer intro 0% APR. I bought a laptop I bought. I wound up doing a balance transfer to AMEX, which has a long 0% intro period and long 0% balance transfer period.
Discussing banks, I think Discover and AMEX have the best customer service, hands down. Cap One seems to have lost the plot when it comes to customer satisfaction and retention, though the Quicksilver seems like a step in the right direction. Chase and Barclays come across as a touch elitist and want you to impress them to join: why should we let you in? The Freedom card is great if you use the categories. Otherwise, it's just a simple 1% card, as I'm finding out. I think, overall, I'm becoming disenchanted with 5% rotating quarter cards. Only US Bank + has things set the right way.
Like MemberSince99, I've poured thousands of dollars through Chase with no real benefit, other than the $100 signup bonus. My CL hasn't budged, though I've shown I can pay off $800/month without blinking and on time. I call for a CL and am told it will simply be a hard pull. No auto CLI's until a review, whenever that will be. Chase is nice to have in the portfolio of cards, but I think I'll sock it and go with Discover which has quick cashback and a higher CL. And getting free monthly FICO scores on their statements is just ace.
As for AMEX, I rather like My Rewards. It's great to choose a specific reward at a specific retailer. For example, Chase has 5% at Amazon this quarter. AMEX has a spend $75 deal and get $25 back. With Chase you must spend $500 for the same cashback. AMEX smashes Chase in one fell swoop with one reward.
I will ask for CLIs for my current cards, go after a no annual free Quicksilver upgrade from Cap One and apply for the Duck Card in Jan.
Oh, and Merry Christmas!