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sweet, just got my first check from Citibank

I'm up to $34.76. I love my Citi card. I got rejected from American Express because I had "insufficient credit history" (I couldn't get their card because I had never had a credit card before). I don't think I'm going to upgrade to them now...I really like Citi. I'm using the card soley to build up my credit...I pay the bill online every week and haven't financed anything. No problems plus I get cashback, which is great. Easy to use, protects my bank account, I can pay online, I get money back, and I build my credit history...props to Citi 😉
 
Originally posted by: Kaido
I'm up to $34.76. I love my Citi card. I got rejected from American Express because I had "insufficient credit history" (I couldn't get their card because I had never had a credit card before). I don't think I'm going to upgrade to them now...I really like Citi. I'm using the card soley to build up my credit...I pay the bill online every week and haven't financed anything. No problems plus I get cashback, which is great. Easy to use, protects my bank account, I can pay online, I get money back, and I build my credit history...props to Citi 😉
Click to expand...

you pay every week? why do you make things so hard on yourself? it doesn't help your credit to do that.
 
Originally posted by: Yossarian
Originally posted by: Kaido
I'm up to $34.76. I love my Citi card. I got rejected from American Express because I had "insufficient credit history" (I couldn't get their card because I had never had a credit card before). I don't think I'm going to upgrade to them now...I really like Citi. I'm using the card soley to build up my credit...I pay the bill online every week and haven't financed anything. No problems plus I get cashback, which is great. Easy to use, protects my bank account, I can pay online, I get money back, and I build my credit history...props to Citi 😉
Click to expand...

you pay every week? why do you make things so hard on yourself? it doesn't help your credit to do that.
Click to expand...

yeah, pay once a month on the last day that the bill is due before being late.
 
ok I am sold... since I cant use my discover card anywhere, I am thinking of cancelling that card and opening this card!

will that affect my credit?
 
Originally posted by: Yossarian
keep the discover and just open a citibank account.
Click to expand...

Agreed.

You can request a dividends check if your balance is $50 or more.

So far I have earned $550 in the past few years, one of the best cc's out there!
 
Originally posted by: RossMAN
Originally posted by: Yossarian
keep the discover and just open a citibank account.
Click to expand...

Agreed.

You can request a dividends check if your balance is $50 or more.

So far I have earned $550 in the past few years, one of the best cc's out there!
Click to expand...

oh man I have too many ccs!

I have by BofA visa, check card, discover platinum, chase freedom card, one amex blue and one amex platinum cash rebate
 
Originally posted by: z0mb13
Originally posted by: RossMAN
Originally posted by: Yossarian
keep the discover and just open a citibank account.
Click to expand...

Agreed.

You can request a dividends check if your balance is $50 or more.

So far I have earned $550 in the past few years, one of the best cc's out there!
Click to expand...

oh man I have too many ccs!

I have by BofA visa, check card, discover platinum, chase freedom card, one amex blue and one amex platinum cash rebate
Click to expand...

Join the club 🙂
 
Originally posted by: RossMAN
Originally posted by: z0mb13
Originally posted by: RossMAN
Originally posted by: Yossarian
keep the discover and just open a citibank account.
Click to expand...

Agreed.

You can request a dividends check if your balance is $50 or more.

So far I have earned $550 in the past few years, one of the best cc's out there!
Click to expand...

oh man I have too many ccs!

I have by BofA visa, check card, discover platinum, chase freedom card, one amex blue and one amex platinum cash rebate
Click to expand...

Join the club 🙂
Click to expand...

I thought it hurts your credit to have that many cc open?
 
Originally posted by: Yossarian
Originally posted by: Kaido
I'm up to $34.76. I love my Citi card. I got rejected from American Express because I had "insufficient credit history" (I couldn't get their card because I had never had a credit card before). I don't think I'm going to upgrade to them now...I really like Citi. I'm using the card soley to build up my credit...I pay the bill online every week and haven't financed anything. No problems plus I get cashback, which is great. Easy to use, protects my bank account, I can pay online, I get money back, and I build my credit history...props to Citi 😉
Click to expand...

you pay every week? why do you make things so hard on yourself? it doesn't help your credit to do that.
Click to expand...

it just makes it easier to keep track of my finances. I pay for everything with my Citi credit card, then pay it online every week. That way, the charges go through the credit card, but I have perfect credit history because I don't have any missed payments or anything.

What do you mean it doesn't help my credit to do that? Maybe I misunderstand the system...
 
Originally posted by: Kaido

it just makes it easier to keep track of my finances. I pay for everything with my Citi credit card, then pay it online every week. That way, the charges go through the credit card, but I have perfect credit history because I don't have any missed payments or anything.

What do you mean it doesn't help my credit to do that? Maybe I misunderstand the system...
Click to expand...

credit card companies and the credit agencies work on a monthly basis. paying every week has no benefit with respect to your credit score.
 
Originally posted by: DnetMHZ
I have a Diamond Preferred card can I switch over to dividend?
Click to expand...
Those bastards switched me from Platinum Select to Diamond Preferred for no freaking reason. 🙁
 
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