WOOT!!! Approved for Citi Platinum Dividends Card

[CRXican]

As soon as the late fee (yet another reason to switch) is removed from my Capital One bill I think a balance transfer is in order.

 

[LikeLinus]

Originally posted by: CRXican

Originally posted by: PHiuR

Originally posted by: CRXican

Originally posted by: PHiuR
i applied for the student citi card and they gave me a 5k line. im 18 too. i thought they were going to give me something under 1k.

holy crap, what did you list for income?

0 because I don't have an income...

That's insane

They know exactly what they are doing.

1. You'll either get mommy or daddy to pay the bill
2. you'll get a job to pay for it
3. You'll get out of college and realize that you've screwed your credit up and have to pay it off and wait 7 years for it to drop off.

The amount of interest they get during that time period is worth it to them.

 

[CRXican]

Originally posted by: LikeLinus

Originally posted by: MetalMat

Originally posted by: CRXican

Originally posted by: SouthPaW1227
I don't get it. Why be happy about a higher credit limit if your cash is the same? Unless you go into debt it ain't like you can spend anymore anyway...

I didn't really want a limit that high, I just wanted to move away from Capital One. Might even call them to have it lowered.

Use it at grocery stores and drug store too. I use mine at super one foods. Hell, I think you still get 1% back everywhere else too. As long as you pay it off every month, you will be ok.

I never understood why people would sit around and use a CC all the time and be charged anywhere from 5% - 29% (ARP) interest. You're basically just throwing money way.

I never pay interest. They'll be giving me money back for the money I spend. If you don't carry a balance it's a win win situation.

 

[Mo0o]

Originally posted by: LikeLinus

Originally posted by: MetalMat

Originally posted by: CRXican

Originally posted by: SouthPaW1227
I don't get it. Why be happy about a higher credit limit if your cash is the same? Unless you go into debt it ain't like you can spend anymore anyway...

I didn't really want a limit that high, I just wanted to move away from Capital One. Might even call them to have it lowered.

Use it at grocery stores and drug store too. I use mine at super one foods. Hell, I think you still get 1% back everywhere else too. As long as you pay it off every month, you will be ok.

I never understood why people would sit around and use a CC all the time and be charged anywhere from 5% - 29% (ARP) interest. You're basically just throwing money way.

If you pay it off every month you dont get charged any interest

 

[MetalMat]

Originally posted by: LikeLinus

Originally posted by: MetalMat

Originally posted by: CRXican

Originally posted by: SouthPaW1227
I don't get it. Why be happy about a higher credit limit if your cash is the same? Unless you go into debt it ain't like you can spend anymore anyway...

I didn't really want a limit that high, I just wanted to move away from Capital One. Might even call them to have it lowered.

Use it at grocery stores and drug store too. I use mine at super one foods. Hell, I think you still get 1% back everywhere else too. As long as you pay it off every month, you will be ok.

I never understood why people would sit around and use a CC all the time and be charged anywhere from 5% - 29% (ARP) interest. You're basically just throwing money way.

They dont charge you any interest if you make the full payment every month.

 

[Baked]

*Yawn* I get half a dozen pre-approved Citi Platinum Dividend Cards a month, w/ eleventy billion limit.

 

[SuperFreaky]

Confirmed 5% back does rule...

 

[LikeLinus]

Originally posted by: CRXican

Originally posted by: LikeLinus

Originally posted by: MetalMat

Originally posted by: CRXican

Originally posted by: SouthPaW1227
I don't get it. Why be happy about a higher credit limit if your cash is the same? Unless you go into debt it ain't like you can spend anymore anyway...

I didn't really want a limit that high, I just wanted to move away from Capital One. Might even call them to have it lowered.

Use it at grocery stores and drug store too. I use mine at super one foods. Hell, I think you still get 1% back everywhere else too. As long as you pay it off every month, you will be ok.

I never understood why people would sit around and use a CC all the time and be charged anywhere from 5% - 29% (ARP) interest. You're basically just throwing money way.

I never pay interest. They'll be giving me money back for the money I spend. If you don't carry a balance it's a win win situation.

Sorry I didn't mean you specifically. I quoted the wrong person. I meant to quote the person who said they got a 1000 and maxed it out..then got another 1k and maxed that out and is now trying to pay it off.

 

[Mo0o]

Originally posted by: LikeLinus

Originally posted by: CRXican

Originally posted by: LikeLinus

Originally posted by: MetalMat

Originally posted by: CRXican

Originally posted by: SouthPaW1227
I don't get it. Why be happy about a higher credit limit if your cash is the same? Unless you go into debt it ain't like you can spend anymore anyway...

I didn't really want a limit that high, I just wanted to move away from Capital One. Might even call them to have it lowered.

Use it at grocery stores and drug store too. I use mine at super one foods. Hell, I think you still get 1% back everywhere else too. As long as you pay it off every month, you will be ok.

I never understood why people would sit around and use a CC all the time and be charged anywhere from 5% - 29% (ARP) interest. You're basically just throwing money way.

I never pay interest. They'll be giving me money back for the money I spend. If you don't carry a balance it's a win win situation.

Sorry I didn't mean you specifically. I quoted the wrong person. I meant to quote the person who said they got a 1000 and maxed it out..then got another 1k and maxed that out and is now trying to pay it off.

Maybe they needed the money. But it could just be because they hvae poor financial management skills.

 

[CRXican]

Originally posted by: Baked
*Yawn* I get half a dozen pre-approved Citi Platinum Dividend Cards a month, w/ eleventy billion limit.

I'll share my cookie with you

 

[LikeLinus]

Originally posted by: Mo0o

Maybe they needed the money. But it could just be because they hvae poor financial management skills.

Agreed, but so many people abuse CC it's not funny.

 

[Baked]

Originally posted by: CRXican

Originally posted by: Baked
*Yawn* I get half a dozen pre-approved Citi Platinum Dividend Cards a month, w/ eleventy billion limit.

I'll share my cookie with you

Sweet.

 

[Mo0o]

Originally posted by: LikeLinus

Originally posted by: Mo0o

Maybe they needed the money. But it could just be because they hvae poor financial management skills.

Agreed, but so many people abuse CC it's not funny.

Yup, it's how the CC companies make their money

 

[PHiuR]

that's it! when i grow up i want to be a CC company!

 

[CRXican]

so how long till I get the card?

 

[CRXican]

anyone know? I didn't get a confirmation email or anything so I'm clueless.

 

[austin316]

Originally posted by: Mo0o

Originally posted by: LikeLinus

Originally posted by: CRXican

Originally posted by: LikeLinus

Originally posted by: MetalMat

Originally posted by: CRXican

Originally posted by: SouthPaW1227
I don't get it. Why be happy about a higher credit limit if your cash is the same? Unless you go into debt it ain't like you can spend anymore anyway...

I didn't really want a limit that high, I just wanted to move away from Capital One. Might even call them to have it lowered.

Use it at grocery stores and drug store too. I use mine at super one foods. Hell, I think you still get 1% back everywhere else too. As long as you pay it off every month, you will be ok.

I never understood why people would sit around and use a CC all the time and be charged anywhere from 5% - 29% (ARP) interest. You're basically just throwing money way.

I never pay interest. They'll be giving me money back for the money I spend. If you don't carry a balance it's a win win situation.

Sorry I didn't mean you specifically. I quoted the wrong person. I meant to quote the person who said they got a 1000 and maxed it out..then got another 1k and maxed that out and is now trying to pay it off.

Maybe they needed the money. But it could just be because they hvae poor financial management skills.

I have this card and love it too. Not only do I get cash back, I get the convience of not having to carry lots of cash around or to run into the gas stations. I can just pay at the pump. And this I pay it off fully everymonth, I get all this convience for free. (Actually not free, I have earned $50 in rewards in less than 5 months.)

 

[RossMAN]

Originally posted by: CRXican
anyone know? I didn't get a confirmation email or anything so I'm clueless.

First of all congratulations and welcome to the family

From the date of approval it should take about 5-7 calendar days to receive your cc.