Visa or MasterCard

[ViviTheMage]

Originally posted by: PurdueRy

Originally posted by: ViviTheMage
VISA, allway seems to wokr GREAT.

I would love to get a CITI card, but no CITI banks around here.

do you need a CITI bank?? I don't have one...and I have a citi card and love it

really, explain..I hate my usbank one, its so bad.

How do you pay off your citi bank card , I do not want to have to send lame checks through the mail.
convince me please, I love their rewards!!

 

[AdamSnow]

Mastercard here...

Cause it's what my bank offered...

 

[RossMAN]

Originally posted by: ViviTheMage

Originally posted by: PurdueRy

Originally posted by: ViviTheMage
VISA, allway seems to wokr GREAT.

I would love to get a CITI card, but no CITI banks around here.

do you need a CITI bank?? I don't have one...and I have a citi card and love it

really, explain..I hate my usbank one, its so bad.

How do you pay off your citi bank card , I do not want to have to send lame checks through the mail.
convince me please, I love their rewards!!

You can mail in payments and two other options are:
1) Your local banks online banking can send electronic payments
2) CitiBank online can debit your bank checking account via ACH, you just need your check for the routing number and account number details.

 

[ViviTheMage]

Originally posted by: RossMAN

Originally posted by: ViviTheMage

Originally posted by: PurdueRy

Originally posted by: ViviTheMage
VISA, allway seems to wokr GREAT.

I would love to get a CITI card, but no CITI banks around here.

do you need a CITI bank?? I don't have one...and I have a citi card and love it

really, explain..I hate my usbank one, its so bad.

How do you pay off your citi bank card , I do not want to have to send lame checks through the mail.
convince me please, I love their rewards!!

You can mail in payments and two other options are:
1) Your local banks online banking can send electronic payments
2) CitiBank online can debit your bank checking account via ACH, you just need your check for the routing number and account number details.

you have me sold.

I just applied for a compusa credit card (which I plan to pay off within the 2 weeks and cancelling it)....

and I have one usbank card (fully paid of, never missed a payment)

do you think I coudl apply and get accepted for their card?

Or is that to much credit they are accessing of mine?

 

[RossMAN]

It depends on many different factors. Either you'll be declined or approved

 

[Reckoner]

Citibank just sent me some 0% interest BT thru Feb 2007, no fee, checks in the mail.

Any tips on what to use them on?

 

[ViviTheMage]

Originally posted by: RossMAN
It depends on many different factors. Either you'll be declined or approved

will accessing my credit this much in the past half year hurt me?

would cancelling my compusa CC right after I pay it off hurt my credit?

 

[DaWhim]

american express

 

[Mill]

Originally posted by: DaWhim
american express

 

[imported_silentlamb]

Originally posted by: RossMAN

Originally posted by: DVK916

Originally posted by: acemcmac
Wow @ the citi amex card

A great card, the protection of Amex and Citi together, with the 5% cash back.

Wow if this is true I'm switching but I'll probably get assigned a new cc number

What makes Amex better than Visa, assuming Citi Dividend Plat Select?

 

[RossMAN]

Originally posted by: silentlamb

Originally posted by: RossMAN

Originally posted by: DVK916

Originally posted by: acemcmac
Wow @ the citi amex card

A great card, the protection of Amex and Citi together, with the 5% cash back.

Wow if this is true I'm switching but I'll probably get assigned a new cc number

What makes Amex better than Visa, assuming Citi Dividend Plat Select?

Card benefits such as buyer's assurance and purhase protection plan.

 

[mitaiwan82]

Originally posted by: ironwing
Mastercard has S&M connotations, so that's the card for me.

+1

 

[imported_silentlamb]

Originally posted by: RossMAN

Originally posted by: silentlamb

Originally posted by: RossMAN

Originally posted by: DVK916

Originally posted by: acemcmac
Wow @ the citi amex card

A great card, the protection of Amex and Citi together, with the 5% cash back.

Wow if this is true I'm switching but I'll probably get assigned a new cc number

What makes Amex better than Visa, assuming Citi Dividend Plat Select?

Card benefits such as buyer's assurance and purhase protection plan.

Doesn't VISA have similar benefits? One noticeable difference I saw was additional cash back opportunities with amex. Is there anything else?

 

[RossMAN]

Originally posted by: silentlamb

Originally posted by: RossMAN

Originally posted by: silentlamb

Originally posted by: RossMAN

Originally posted by: DVK916

Originally posted by: acemcmac
Wow @ the citi amex card

A great card, the protection of Amex and Citi together, with the 5% cash back.

Wow if this is true I'm switching but I'll probably get assigned a new cc number

What makes Amex better than Visa, assuming Citi Dividend Plat Select?

Card benefits such as buyer's assurance and purhase protection plan.

Doesn't VISA have similar benefits? One noticeable difference I saw was additional cash back opportunities with amex. Is there anything else?

Yes but no Purchase Protection Plan protection:

Shop with confidence with the Purchase Protection Plan, which protects eligible purchases made with the Card against accidental damage and theft for up to 90 days from the date of purchase.7

 

[BillyBatson]

mastercard
from what i hear it is better and interest is lower

 

[DVK916]

Originally posted by: RossMAN

Originally posted by: silentlamb

Originally posted by: RossMAN

Originally posted by: silentlamb

Originally posted by: RossMAN

Originally posted by: DVK916

Originally posted by: acemcmac
Wow @ the citi amex card

A great card, the protection of Amex and Citi together, with the 5% cash back.

Wow if this is true I'm switching but I'll probably get assigned a new cc number

What makes Amex better than Visa, assuming Citi Dividend Plat Select?

Card benefits such as buyer's assurance and purhase protection plan.

Doesn't VISA have similar benefits? One noticeable difference I saw was additional cash back opportunities with amex. Is there anything else?

Yes but no Purchase Protection Plan protection:

Shop with confidence with the Purchase Protection Plan, which protects eligible purchases made with the Card against accidental damage and theft for up to 90 days from the date of purchase.7

The new Citibank-Amex cards do have these.

http://www.citibank.com/us/cards/cardserv/amex/divplat-amex.jsp

Price Protection,3 Retail Protection and Extended Warranty4

 

[InverseOfNeo]

Originally posted by: RossMAN

Originally posted by: silentlamb

Originally posted by: RossMAN
VISA for these 3 reasons:

• My favorite rewards credit card is a VISA, so I don't really have a choice.
• VISA offers free extended warranty coverage to eligible card holders.
• Because I fscking said so!

I'm currently using the Citi Dividend Plat Select Visa(thanks to bettercreditcard.com), its my first credit card, any reason why its a mastercard on the site? Which is your favorite rewards credit card?

Thanks, we recently redesigned BetterCreditCard.com

Mine was grandfathered in as a VISA but I heard Citi is changing all cc's to MC, not sure if/when that will happen. AFAIK all new cc's will be MC.

I have the Plat Select card too (had it since last August or so)...its a MC, I think at the time you could choose which one. I already had a VISA with a different card so I chose MC just to variety.

Oh and WOW at the CitiAMEX card...is it just like an AMEX card but with the 1-5% back?

 

[Suspicious-Teach8788]

I disagree.

I think one should have the Plat Select card because Mastercard is accepted anywhere pretty much, and then you should have the AMEX 3/2/1 card (TrueEArnings from Costco). Your 3% goes to eating out. You can never get that with Mastercard, even if you do the Citi-Amex thing.

Your goal here is to get cashback on AS MANY THINGS as you can. You maximize cashback on the GREATEST amount of goods = WIN FOR YOU.

Also get that Discover 5% movie theater thingy.

 

[imported_silentlamb]

Originally posted by: RossMAN

Originally posted by: silentlamb

Originally posted by: RossMAN

Originally posted by: silentlamb

Originally posted by: RossMAN

Originally posted by: DVK916

Originally posted by: acemcmac
Wow @ the citi amex card

A great card, the protection of Amex and Citi together, with the 5% cash back.

Wow if this is true I'm switching but I'll probably get assigned a new cc number

What makes Amex better than Visa, assuming Citi Dividend Plat Select?

Card benefits such as buyer's assurance and purhase protection plan.

Doesn't VISA have similar benefits? One noticeable difference I saw was additional cash back opportunities with amex. Is there anything else?

Yes but no Purchase Protection Plan protection:

Shop with confidence with the Purchase Protection Plan, which protects eligible purchases made with the Card against accidental damage and theft for up to 90 days from the date of purchase.7

VISA has this too since 3/1/05, http://usa.visa.com/personal/cards/bene...enefits/index.html|Purchase%20Security

Virtually everything you purchase with your covered Visa card is protected in case of theft or damage for the first 90 days from the date of purchase.

 

[zoiks]

I use mine for airline miles.

 

[Czar]

visa because I get a visa gold card for free

 

[DVK916]

Originally posted by: DLeRium
I disagree.

I think one should have the Plat Select card because Mastercard is accepted anywhere pretty much, and then you should have the AMEX 3/2/1 card (TrueEArnings from Costco). Your 3% goes to eating out. You can never get that with Mastercard, even if you do the Citi-Amex thing.

Your goal here is to get cashback on AS MANY THINGS as you can. You maximize cashback on the GREATEST amount of goods = WIN FOR YOU.

Also get that Discover 5% movie theater thingy.

If you do the Costco Amex and sign up for executive membership you get another 2% off Costco goods.

 

[Jeff7181]

Mastercard because that one is 0% APR and no annual fee.

 

[ni4ni]

I have both. The only time I use Mastercard is at Sams.

 

[monk3y]

I use Visa because that's what my bank offers.