Credit Card Hot Deals

[BurningRome]

I had a Citi Platinum Select Mastercard, which was good, but I upgraded to a Citi DIVIDEND platinum select card, highly recommended, you get between 1 and 2% cash back on purchases. If you already have a Citibank card you can apply right online here.
My interest rate isn't as low as that 6.9% I saw, it's around 10.

Good luck
pk

 

[RedGSR]

You know if you can spend 35k in 3 years, that means you can buy a mercedes. If you can buy a mercedes you are rich. If you are rich you don't worry about saving a little money like 2%. Using bad math here.

 

[Shaorinor]

Any credit cards for college students who only work during summers and have questionable credit? =P

 

[BillRubin]

<< it is of a great benefit to have 3+ CC because you can juggle the balances if you get in a jam, having one card always paid off. thus, saving on interest. you can never AVOID paying interest (unless you are Bill Gates), but you can greatly minimize it. The key is - discipline.
>>


You most certainly CAN avoid paying interest. And if you're going to pay interest on a rebate card, then you're giving back all of your rebate, and then some, so you are much better off finding the lowest interest rate than worrying about a 1 or 2% rebate.

 

[Maverick215]

dunno if this has been posted yet...
https://www.novuslink.net/mks/get/discoverform0
https://www.novuslink.net/mks/get/discoverform10
https://www.novuslink.net/mks/get/discoverform15
https://www.novuslink.net/mks/get/discoverform20
https://www.novuslink.net/mks/get/discoverform25
https://www.novuslink.net/mks/get/discoverform30
https://www.novuslink.net/mks/get/discoverform35
have fun...

 

[Dre]

<< dunno if this has been posted yet...
https://www.novuslink.net/mks/get/discoverform0
https://www.novuslink.net/mks/get/discoverform10
https://www.novuslink.net/mks/get/discoverform15
https://www.novuslink.net/mks/get/discoverform20
https://www.novuslink.net/mks/get/discoverform25
https://www.novuslink.net/mks/get/discoverform30
https://www.novuslink.net/mks/get/discoverform35
have fun... >>





The bottom one is the best, giving you 0% on purchases and balance transfers for 6 months and $35.00 credit. Sweet deal.

 

[MitzEclipse]

Bumping this thread back up since there is no more amex blue pm.

 

[jkj]

*bump* I want to know another good card that has bvg since blue is gone.

 

[GPz1100]

BurningRome

With the citi dividend card, i know you get 1% back, but how/where does it say you get up to 2% back?


I don't recall reading terms on it that said it was a tiered refund.

In addition, im not sure how many of you know this,
but citibank now too has one time use card #'s on almost all, if not all of their credit cards.. access is thru accountonline/card central.

I still got my click citi (citibank's competitor to amex blue), which also pays 1% back. Too bad they discontinued that card.

 

[jkj]

ttt

 

[RigorousT]

Anyone know what happens to the clickciti cards after the exp. date?
Do they still reissue a new one to current card holders, convert you to another card, or do they just inactivate your card?

 

[JeffCutter]

<<You know if you can spend 35k in 3 years, that means you can buy a mercedes. If you can buy a mercedes you are rich. If you are rich you don't worry about saving a little money like 2%. Using bad math here. >>

What???

What does spending 35k in 3 years have to do with being rich or buying a mercedes? I spend over 20k per year on credit card, and I am not rich. It all depends on how you pay for things.

I pay for everything, abosolutely everything, that I ever buy on credit card. Why pay cash? Why write a check. Every grocery store visit, every restauarant, every vacation, everything. It doesn't take much to get up to 35k in 3 years. Just stop carrying cash. I know that I am going to get some incentive for paying by credit card (usually GM card points) and I know that it is safer.

Just say no to cash.

 

[NauTiKa128]

<< Just say no to cash. >>



it's funny how my dad says the exact opposite.. haha.. he hates cc's.

 

[IamAddicted]

<< >> What???

What does spending 35k in 3 years have to do with being rich or buying a mercedes? I spend over 20k per year on credit card, and I am not rich. It all depends on how you pay for things.

I pay for everything, abosolutely everything, that I ever buy on credit card. Why pay cash? Why write a check. Every grocery store visit, every restauarant, every vacation, everything. It doesn't take much to get up to 35k in 3 years. Just stop carrying cash. I know that I am going to get some incentive for paying by credit card (usually GM card points) and I know that it is safer.

Just say no to cash.
>>


My sentiments exactly. I too charge about 25,000 +/- a year. I have maxed out the GM card every year, then use Discover to earn more money. Of course throw in the AMEX Blue for Pm , for another month anyway. Charging makes a whole lot of sense IF and I do pay the bill fully each month.

 

[JeffCutter]

IamAddicted - you sound like my long lost twin.

 

[IamAddicted]

Hey I go as far as charging less than $1.00 if I get a benefit from it. A penney earned is a penny I would not have had by paying cash. I even have most of my household bills paid directly thru credit card. It is also easier to keep track of and consolidates many to one. Sorry though I don't have a twin.
P.S. Myself and my wife both drive newer model Pontiac Grand Prix fully loaded GTP supercharged vehicles courtesy in part to The GM card. I must say they are great and will probably use future GM card earnings to get another.

 

[sglurker]

is it true amex blue is not gonna have PMing anymore?

 

[IamAddicted]

<< is it true amex blue is not gonna have PMing anymore? >>

Afraid it is true. I emailed them to find out which of their cards will continue to have this benefit but their response was to call them for that info.

 

[jawgee2k]

<<You know if you can spend 35k in 3 years, that means you can buy a mercedes. If you can buy a mercedes you are rich. If you are rich you don't worry about saving a little money like 2%. Using bad math here.>>

How do you think some of these people became rich enough to own a Mercedes? Besides, last year I put my student loan on my Discover ($15K) along with EVERYTHING else I spent money on - groceries, gas, furniture, dining, etc., & I should be getting a rebate check for almost $400 in April. If I can only figure out a way to put my mortgage on the card Even if I couldn't reap the rewards of the 1% rebate, putting part of your mortgage on a 0% 12-month interest free card would be sweet. There's gotta be a way...

Steve

 

[gametalent]

Smart

 

[JeffCutter]

One other benefit of Discover card... Usually (at least last year) I had the option of converting my cash rebate into a double bonus. So, for example, I could turn a $100 rebate into a $200 credit on a future United Airlines flight. I used this option in the past and got a great deal, but just make sure you are going to need the credit within 1 year because the tickets will expire.

[edit] Just noticed this at the Discover website. They are moving away from the yearly cashback deal and changing to an anytime-you-want-it type of structure, as long as you have at least $20 coming to you...



Coming Soon?Your New Cashback Bonus® Program

There are some exciting changes to your Cashback Bonus® award coming in April, 2002.* Because you asked for it, now you have more options?and more control?than ever.

NEW! You can Get Your Award When You Want It**

No more waiting for your anniversary date.

You will be able to withdraw your award money in $20 increments: $20...$40...$60...$80 and so on. As of May 1, 2002, you'll be able to call us or go online to redeem your award.**

Now You Have More Options and More Control


Request a check to use how you see fit
Double your award with certificates worth twice the amount from any of our Cashback Bonus Partners
Credit the amount to your Discover® Card Account
Donate your award to one of our national charitable partners
Let your award continue to grow until you're ready to use it

Double Your Award with a Cashback Bonus Partner

We've lined up some great merchants we call our Cashback Bonus Partners. Just request a certificate from a partner and you can double your award. For example, if your award is $20, you'll get a $40 certificate from a Cashback Bonus Partner.

 

[darqice]

slightly OT but any other thoughts on using the paypal debit card... 1.5% **cashback** on all purchases. Someone else way back in the thread mentioned doing this and I've been thinking of adding more money to my paypal account and using that debit card instead of my regular bank debit card.
also i just applied for the paypal visa (as a poor student with little/no credit) and i got a $1000 credit card with 1.9% intro APR. By the way its transparent.. very cool! but once the intro period is up i think the rates kinda suck.

 

[RossMAN]

I just received a pre-approved offer via snail mail from Capital One for a Platinum VISA. I'm tempted to accept it.

0.00% on purchases through October 2002.
No annual fee.

 

[littlezipp]

A pre-approved letter means absolutely nothing. It is just another form of an ad.

 

[MarkM]

<< What do peole think of the Farm Bureau credit card? If you spen $35,000 over 3 years it is a TRUE 2% cash back. >>



FYI you actually have four full calendar years to accumulate 35K points, not three. The points expire at the end of the third calendar year after they are earned. i.e. something you bought on 1/1/02 will generate points that are good until the end of 2005, or just one day shy of four years.