Citi Thankyou Preferred Card Holders

[DigitalArk]

Does it have foreign transaction fee? How is citi's customer service? Can you set up auto pay statement balance online? Thank you in advance!

[longtimelurker]

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@DigitalArk wrote:
Does it have foreign transaction fee? How is citi's customer service? Can you set up auto pay statement balance online? Thank you in advance!

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Yes, it has a FTF

Customer Service isn't great, standard to slightly below for a big bank

Yes on auto pay.

But in general, I don't recommend this card in its standard form (i.e. not x5).  It's basically a 1x card now with a few 2x categories, and the redemption scheme is unfriendly (getting cash or statement credit is less than 1:1, and the other options, such as gift cards, are limited).   Something like quicksilver seems better.

[DigitalArk]

Is Capital One a subprime lender? Will it affect other lenders' decisions when they review my CRs if they see a C1 account?

[azguy13]

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@DigitalArk wrote:
Is Capital One a subprime lender? Will it affect other lenders' decisions when they review my CRs if they see a C1 account?

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My cap1 account was my first real CC and since then I have gotten numerous prime cards. So, IMO, I would say it does not make you look bad. 

[rex_03]

The second post sums it up perfectly. I wouldn't look at a cards image, but what it can do or help you with in your life/goals..

[john398]

Alternatively you could get the BANKAMERICARD TRAVEL REWARDS® CREDIT CARD

Has no ftf

[DigitalArk]

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@john398 wrote:

Alternatively you could get the BANKAMERICARD TRAVEL REWARDS® CREDIT CARD

Has no ftf

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Yeah, I looked it up on their website yesterday.

[FutureBillionaire]

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@DigitalArk wrote:

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@john398 wrote:

Alternatively you could get the BANKAMERICARD TRAVEL REWARDS® CREDIT CARD

Has no ftf

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Yeah, I looked it up on their website yesterday.

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That card is probably good to have in the arsenal due to the lack of fees and generous limits.

I think the TYP is gets the 1:1 ratio on gift cards.  I get it.

[longtimelurker]

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@FutureBillionaire wrote:

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@DigitalArk wrote:

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@john398 wrote:

Alternatively you could get the BANKAMERICARD TRAVEL REWARDS® CREDIT CARD

Has no ftf

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Yeah, I looked it up on their website yesterday.

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That card is probably good to have in the arsenal due to the lack of fees and generous limits.

I think the TYP is gets the 1:1 ratio on gift cards.  I get it.

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Yes, the TYP is 1:1 on everything except for cash/statement credit.  Gift cards are limited.  

There is at least one good case where getting the TYP makes sense, and that is if you have the Forward.  TYP then makes all the points 1:1