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Regular Contributor
Posts: 105
Registered: ‎04-15-2008
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Rewards programs

I have never paid much attention to the rewards programs before but decided to check out what was available on my cards.  I have the Discover More card and I signed up for the July through September 5% bonus cash back on Gas and Hotels.  I then looked at Citi's web site and the Dividend Rewards.  I didn't want to apply for another card, I already have 6, and have the dings on my credit so I called them and asked about converting my current Platinum Select card.
Yes... I can convert it.  I told the man that I don't use the card because the interest rate is 16.99% and he said the new card would be at 12%, the same as my Citi Diamond Preferred card.  This is still the highest interest rate of all my cards.
I asked specifically if there would be an inquiry on my credit and he said there wouldn't be.  I sincerely hope not since it was just a few minute phone call and he immediatley answered yes, I can get the Dividend card. The card will replace my current card with the same account number so I won't lose the history either.
I then went to Chase online for my Disney Rewards card and ordered the card to redeem my rewards... will let my granddaughter pick something out.
I could get used to this. Smiley Happy Like I've seen people post before, pay my monthly bills with a credit card to get the rewards and then PIF each month.
1/10/09 EQ=806, TU=772, EX=788
Moderator Emeritus
Posts: 9,252
Registered: ‎03-19-2007
0 Kudos

Re: Rewards programs

Good job-
Rewards programs just don't work for non-PIF's
Senior Contributor
Posts: 3,279
Registered: ‎08-03-2007
0 Kudos

Re: Rewards programs

Congrats on the successful PC.

Free money is sweet!

Killer FICOs by the way!
Here we go again...
Frequent Contributor
Posts: 336
Registered: ‎04-14-2008
0 Kudos

Re: Rewards programs

I have so many cards with rewards now that I can't decide which one to use when I pay for I want miles on this airline, that airline.....god help me if I get that Starbucks cardSmiley Happy
I will say that the 2 cards that have no rewards programs, I barely use at all.
FAKO TU: 730 (Too poor to check the real scores these days!)

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