Credit Cards

[Brandnick]

Sorry for not posting in the last few months as I was gardening. However citi made me come out of gardening yesterday as I got an invitation in the mail

Offer was as follows

- 21 month 0% interest rate
- No late fee
- No annual fee
- After 21 months of 0% interest rate it goes to 11.99%

I took the deal and went online filled out information and got approved for $9000

[ObeyJohnny12]

Nice! Congrats. Sweet interest rate offer. Now back to the garden.

[Brandnick]

The only reason I app this card was that it had a low Apr 11.99% after 21 months. It offers nothing else no cash back no mileage nothing which is fine as my Discover and Amex I use for cash back and points.

The mistake I see a lot of ppl here make is not having the right mix of cards. Meaning if you have say 4-5 cards all cash back or points its a little more difficult to get the benefit from these cards because you spending your purchase across too many cards.

The right mix for me is 2 cards Amex and discover to get cash back and points so I can optimize on the benefits and the other cards for low or 0% interest rate

[asteroidblues86]

Congrats. Have you seen the "Make Up Artist" commercial about this card? I like it 

[boomhower]

I'm thinking of getting this card this fall for a BT.  What are you other limits?

[londonhogfan]

wow! That's a great offer. I hope they send me one of those.

[lhcole77]

Agreed! I just got approved for one as well. Wanted to take advantage of the intro 0% AND to diversify wallet.

[09Lexie]

Nice APR!

[HiLine]

21 months! Wow! That's gotta be a record! 

[enharu]

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londonhogfan wrote:

wow! That's a great offer. I hope they send me one of those.

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there used to be some links for that offer. Not sure if they're still up. you will have to search around different forums and sites.