Cash Back Credit Card Update – Citi Dividend Card $100 Offer
Citibank is rolling out some major changes on its primary cash back credit card, the Citi Dividend Platinum Select MasterCard. The first change is the introduction of a limited time offer that gives new applicants a $100 cash back bonus if they spend $500 within the first three months of becoming a cardmember. The second change is the extension of 0% introductory rates on purchases and balance transfers.
Offer 1: The Citi Dividend Platinum Select MasterCard – Limited Time Offer provides a $100 cash back bonus to new cardmembers who spend $500 within three months of opening an account. In addition to this bonus, cardmembers earn 1% cash back on all eligible purchases and 5% cash back on purchases in categories that rotate four times a year. Until March 31st, cardmembers earn 5% cash back on drugstore, healthcare, and fitness purchases. From April 1st to June 30th, cardmembers earn 5% cash back on purchases made at home improvement, home furnishing, and home and garden stores.
Offer 2: Citibank is also currently offering a version of the Dividend Card without a $100 cash back bonus. This card offers the same cash back earning opportunities, but has different introductory terms. The 0% rate on balance transfers is slightly longer at 18 months, while the 0% rate on purchases is 12 months instead of 15. The longer 18 month balance transfer offer makes this card a potentially better fit than the limited edition offer for consumers seeking 0% balance transfers , but consumers who will be using their Dividend card for purchases are likely better off opting for the $100 cash back bonus.
For more information and to apply for this offer, please see the online application here .
I have 5 credit cards with 30% interest, I need a one good loan or ...
I’m in credit loans up to ,000. Creditors are killing me with interests, now its 30% on five cards. I would like to put it all on one loan with lower interest rate and to pay it off. My credit score is relatively good. So one loan or new credit card with a good interest would be perfect, if you know of any good deals please let me know.
Thanks.
Bad idea to shift that credit card debt to a loan or another credit card. For starters, you might have problems finding a lender to give you a loan. You definitely won’t find a low interest credit card, especially one with a large enough limit to transfer your balances. Your credit card companies have increased your interest rate because they consider you a high risk.
You should consider checking with a NFCC member credit counseling company: http://www.nfcc.org/ . These are legit, non-profit companies that offer debt management programs for a nominal fee. They negotiate lower interest rates and payments so you can pay off your credit card debt. When you complete the program, you will have decent credit.
Even if you don’t go with credit counseling, you should review your spending habits. Tighten up your budget and put every penny you can squeeze out of that budget on the credit cards.
Check on bankrate.com for information on credit cards and their rates, and try to negotiate lower rates on current cards, and transfer balances to lower rate cards.
Consider a second part-time extra job to get your self out of debt and stop spending beyond your means. Your spending is out of control and the interest is going to continue to drag you into debt hell.
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