Comments on: Replacement for Citi Dividend Platinum Select Card http://www.1stMillionAt33.com/2006/09/replacement-for-citi-dividend-platinum-select-card/ A site to share my tips, tools, and humble thoughts on the journey to wealth Sun, 02 Oct 2011 19:26:45 +0000 hourly 1 http://wordpress.org/?v=abc By: R http://www.1stMillionAt33.com/2006/09/replacement-for-citi-dividend-platinum-select-card/comment-page-1/#comment-3597 R Mon, 26 Nov 2007 14:38:29 +0000 http://www.1stMillionAt33.com/2006/09/replacement-for-citi-dividend-platinum-select-card/#comment-3597 Are you sure the 5% is still in effect? Thanks. The application says this: Direct Rewards® Platinum Terms and Conditions How to Earn Rewards Earn 1 point for each net purchase dollar (meaning the amount of purchases less the amount of any returns and credits) and eligible balance transfers posted to your Direct Rewards® Platinum account. Eligible balance transfers are balance transfers that are completed at the time you complete your credit card application, if offered. Finance and other charges, fees, cash advances, and balance transfers (balance transfers that are not completed as part of the credit card offer) do not earn points. Point balances are updated at your billing cycle and include points earned through your current cycle. Are you sure the 5% is still in effect? Thanks. The application says this:

Direct Rewards® Platinum Terms and Conditions
How to Earn Rewards
Earn 1 point for each net purchase dollar (meaning the amount of purchases less the amount of any returns and credits) and eligible balance transfers posted to your Direct Rewards® Platinum account. Eligible balance transfers are balance transfers that are completed at the time you complete your credit card application, if offered. Finance and other charges, fees, cash advances, and balance transfers (balance transfers that are not completed as part of the credit card offer) do not earn points. Point balances are updated at your billing cycle and include points earned through your current cycle.

]]> By: Joel http://www.1stMillionAt33.com/2006/09/replacement-for-citi-dividend-platinum-select-card/comment-page-1/#comment-1425 Joel Wed, 27 Sep 2006 00:18:55 +0000 http://www.1stMillionAt33.com/2006/09/replacement-for-citi-dividend-platinum-select-card/#comment-1425 The cash back reward you can earn from credit cards depends on your particular spending profile -- especially how much you spend in various categories (e.g. gas, grocery, restaurants, utilities, etc.) The calculator tool at Credit Card Tune-Up (www.creditcardtuneup.com) makes choosing the best cash back card (or mix of cards) easy. Given your spending pattern, it calculates your expected annual rewards for each of the leading cash back credit cards and even for your best mix of cards. See the tool at http://www.creditcardtuneup.com/ . The cash back reward you can earn from credit cards depends on your particular spending profile — especially how much you spend in various categories (e.g. gas, grocery, restaurants, utilities, etc.)

The calculator tool at Credit Card Tune-Up (www.creditcardtuneup.com) makes choosing the best cash back card (or mix of cards) easy. Given your spending pattern, it calculates your expected annual rewards for each of the leading cash back credit cards and even for your best mix of cards.

See the tool at http://www.creditcardtuneup.com/ .

]]> By: Larry Nusbaum http://www.1stMillionAt33.com/2006/09/replacement-for-citi-dividend-platinum-select-card/comment-page-1/#comment-1364 Larry Nusbaum Tue, 19 Sep 2006 03:15:46 +0000 http://www.1stMillionAt33.com/2006/09/replacement-for-citi-dividend-platinum-select-card/#comment-1364 Larry's "cards": 1. CitiBank ATM/Visa (Used to be CalFed) 2. WAMU ATM/MasterCard personal account 3. WAMU ATM/Mastercard for LLC - strip center 4. Charles Schwab Visa - (I don't even know where it is. 5. WAMU Equity Line (SF house) no cost, 30 years, $250,000: zero balance 6. WAMU Equity Line (Berk house) no cost, 30 years, $250,000: zero balance 7. BofA ATM/Visa for Arizona basic checking & savings Larry’s “cards”:
1. CitiBank ATM/Visa (Used to be CalFed)
2. WAMU ATM/MasterCard personal account
3. WAMU ATM/Mastercard for LLC – strip center
4. Charles Schwab Visa – (I don’t even know where it is.
5. WAMU Equity Line (SF house) no cost, 30 years, $250,000: zero balance
6. WAMU Equity Line (Berk house) no cost, 30 years, $250,000: zero balance
7. BofA ATM/Visa for Arizona basic checking & savings

]]> By: Frugal http://www.1stMillionAt33.com/2006/09/replacement-for-citi-dividend-platinum-select-card/comment-page-1/#comment-1340 Frugal Fri, 15 Sep 2006 21:31:45 +0000 http://www.1stMillionAt33.com/2006/09/replacement-for-citi-dividend-platinum-select-card/#comment-1340 Just have way too many cards, so I need to cancel a couple. Just have way too many cards, so I need to cancel a couple.

]]> By: pfstock http://www.1stMillionAt33.com/2006/09/replacement-for-citi-dividend-platinum-select-card/comment-page-1/#comment-1336 pfstock Fri, 15 Sep 2006 19:06:46 +0000 http://www.1stMillionAt33.com/2006/09/replacement-for-citi-dividend-platinum-select-card/#comment-1336 I thought that Citibank reduced the cash back for "everyday" purchases to 2% (not 3%, as in your original post). Personally, I don't intend to cancel my card. But, I will take a look at the alternatives that you mentioned. Thanks for the info. I thought that Citibank reduced the cash back for “everyday” purchases to 2% (not 3%, as in your original post). Personally, I don’t intend to cancel my card. But, I will take a look at the alternatives that you mentioned. Thanks for the info.

]]> By: Frugal http://www.1stMillionAt33.com/2006/09/replacement-for-citi-dividend-platinum-select-card/comment-page-1/#comment-1312 Frugal Thu, 14 Sep 2006 17:05:52 +0000 http://www.1stMillionAt33.com/2006/09/replacement-for-citi-dividend-platinum-select-card/#comment-1312 Keith, It's more important to have the higher percentage. Because you can always get around the max limit by applying 2 cards (one for you & another for your wife). 5% is really hard to come by. In fact, credit card companies most likely are losing money by offering 5% deal (but they make it up by anyone who has a debt balance with them). Keith,

It’s more important to have the higher percentage. Because you can always get around the max limit by applying 2 cards (one for you & another for your wife). 5% is really hard to come by. In fact, credit card companies most likely are losing money by offering 5% deal (but they make it up by anyone who has a debt balance with them).

]]> By: Keith http://www.1stMillionAt33.com/2006/09/replacement-for-citi-dividend-platinum-select-card/comment-page-1/#comment-1311 Keith Thu, 14 Sep 2006 15:40:58 +0000 http://www.1stMillionAt33.com/2006/09/replacement-for-citi-dividend-platinum-select-card/#comment-1311 I'm going to continue using the Citi card. You only can collect $300/year in rewards with the card. Within 4 months of using the card (my wife and I signed up late), we are already at over $230 in rewards. so if the reward amount is lowered to 3%, it'll just take us a little longer to reach the $300 amount. We've got a Chase rewards card as a "backup" whenever we reach the Citi limit. I’m going to continue using the Citi card. You only can collect $300/year in rewards with the card. Within 4 months of using the card (my wife and I signed up late), we are already at over $230 in rewards. so if the reward amount is lowered to 3%, it’ll just take us a little longer to reach the $300 amount.

We’ve got a Chase rewards card as a “backup” whenever we reach the Citi limit.

]]> By: Frugal http://www.1stMillionAt33.com/2006/09/replacement-for-citi-dividend-platinum-select-card/comment-page-1/#comment-1306 Frugal Thu, 14 Sep 2006 14:45:52 +0000 http://www.1stMillionAt33.com/2006/09/replacement-for-citi-dividend-platinum-select-card/#comment-1306 Chase is good, and was one of the choices by Consumerism Commentary. I just didn't go for it because I still prefer cash, instead of finding a way to spend it. Chase is good, and was one of the choices by Consumerism Commentary. I just didn’t go for it because I still prefer cash, instead of finding a way to spend it.

]]> By: Jason http://www.1stMillionAt33.com/2006/09/replacement-for-citi-dividend-platinum-select-card/comment-page-1/#comment-1304 Jason Thu, 14 Sep 2006 14:26:17 +0000 http://www.1stMillionAt33.com/2006/09/replacement-for-citi-dividend-platinum-select-card/#comment-1304 I am going to be using my Chase cash rewards card. If they decide to cancel their 5% back like the Citi Dividend I will probably try for the HSBC but hopefully I won't have to do that for awhile.. I am going to be using my Chase cash rewards card. If they decide to cancel their 5% back like the Citi Dividend I will probably try for the HSBC but hopefully I won’t have to do that for awhile..

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