She doesn't really like credit though. I'm trying to teach her that she can be rewarded for good credit
Starting Score: 601
SwiftTone wrote:So I see many people want this card. Other than the aesthetics of the card, the slightly lower interest rate, the concierge service and the intro promo, I don't see much going for this card. If it had rewards, I would understand but it doesn't.
So what gives? What am I missing here??
For me, the primary appeal is the ongoing 0% BT offers that I receive. As I continue to work on paying down my revolving debt, this card has been invaluable to me. I now have other rewards cards that are "better," but for me this card has a definite purpose. Also, Citi was one of the first prime lenders to give me credit when I started rebuilding my card portfolio, and I appreciate that.
And the fact that it is a cool-looking card is also a plus! 
I don't get why people say it's a cool looking card. When you see the card online -- sure, it looks nice, but when you get the card in the mail -- it's all faded -- both the Citi and mastercard emblem aren't as bright.
Other than that, it's a good card for balance transfers and purchases for 18 months at 0%.
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