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Citi Thank you Preferred Mailer

Mega Contributor

Re: Citi Thank you Preferred Mailer


webhopper wrote:

You're doing great, that being said, I don't like Citi and I don't like the idea of opening a new card for a BT... unless, like others mentioned, you will be saving more than 500 in interest.

 

If you still want a Citi card as a backup later on down the road, you should definately consider it.

 

Also, you could consolidate to a personal loan at lower interest... 

 

What rates are you paying now on your balances?


9.9% on the CU Visa and 10% and the PSL loan. All other balances are 0%.

 

Not interested in another card just the BT offer prety much. I think the interest would be below $500 but even thats alot to swallow Smiley Sad

 




EQ FICO 548 3/3/16
Established Contributor

Re: Citi Thank you Preferred Mailer


LS2982 wrote:

webhopper wrote:

You're doing great, that being said, I don't like Citi and I don't like the idea of opening a new card for a BT... unless, like others mentioned, you will be saving more than 500 in interest.

 

If you still want a Citi card as a backup later on down the road, you should definately consider it.

 

Also, you could consolidate to a personal loan at lower interest... 

 

What rates are you paying now on your balances?


9.9% on the CU Visa and 10% and the PSL loan. All other balances are 0%.

 

Not interested in another card just the BT offer prety much. I think the interest would be below $500 but even thats alot to swallow Smiley Sad

 


Do you have a discover card?  If you do they usually have ongoing BT promotions.  Just check the credit options tab.  I think I have 0% for 12 months then 10.9 with a 1 or 2% fee.  Also, if you call them they can offer you promotional rates YMMV.  I called and got 3.9% for 12 months even though I never carry a balance.  They also lowered my permanent APR to 10.9.   It is worth a shot.

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