Alright Citi, you convinced me to setup autopay.

[Anonymous]

Citi sent me this email. If they're going to give me $25, why not?

I only owe them $164 so instead of paying $100 manually next month like I had been, I'll just pay them $50 with auto pay for 3 months and get my $25 credit. 

[AllZero]

Congratulations on your statement credit offer!

[Anonymous]

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@AllZero wrote:
Congratulations on your statement credit offer!

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Thanks! I was starting to wonder if Citi would ever give me an offer. The only thing they ever send me are savings account and package offers that need $50K+ to have any kind of benefit 😂 

[randomguy1]

You could still pay the rest of it and just incur new charges to use autopay on your next two payments though, couldn't you?

[Anonymous]

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@randomguy1 wrote:

You could still pay the rest of it and just incur new charges to use autopay on your next two payments though, couldn't you?

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It's 0% from when I had to pay to have our water heater fixed last year so I'm not in a big rush to pay it off. It actually works out fine because my minimum payment is $25 so I'm at least doing 2X minimum still which is my personal comfort level for not having AA. Its not a card that gets much use from me since I stopped doing a bunch of microtransactions on mobile games. 

[randomguy1]

Ah that makes much more sense. Essentially free money, gotta love it!

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@Anonymous wrote:

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@randomguy1 wrote:

You could still pay the rest of it and just incur new charges to use autopay on your next two payments though, couldn't you?

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It's 0% from when I had to pay to have our water heater fixed last year so I'm not in a big rush to pay it off. It actually works out fine because my minimum payment is $25 so I'm at least doing 2X minimum still which is my personal comfort level for not having AA. Its not a card that gets much use from me since I stopped doing a bunch of microtransactions on mobile games. 

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[Anonymous]

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@randomguy1 wrote:

Ah that makes much more sense. Essentially free money, gotta love it!

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@Anonymous wrote:

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@randomguy1 wrote:

You could still pay the rest of it and just incur new charges to use autopay on your next two payments though, couldn't you?

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It's 0% from when I had to pay to have our water heater fixed last year so I'm not in a big rush to pay it off. It actually works out fine because my minimum payment is $25 so I'm at least doing 2X minimum still which is my personal comfort level for not having AA. Its not a card that gets much use from me since I stopped doing a bunch of microtransactions on mobile games. 

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Yep and that's the best kind of money since I'm not really too keen on spending at the moment. 

[CreditInspired]

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@Anonymous wrote:

Citi sent me this email. If they're going to give me $25, why not?

I only owe them $164 so instead of paying $100 manually next month like I had been, I'll just pay them $50 with auto pay for 3 months and get my $25 credit. 

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Cool!  I dont blame you. If I'm offered a $25 credit, I'm doing it too. Thanks for sharing Saeren. 

[GApeachy]

Awesome offer @Anonymous  I'm a little surprised you hadn't already done that though. (with all tl's)

[Anonymous]

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@GApeachy wrote:

Awesome offer @Anonymous  I'm a little surprised you hadn't already done that though. (with all tl's)

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I don't really trust automation honestly. Every single one of my cards gets checked and paid monthly by me. 

I may set all of my cards up for autopay minimum from NFCU since I have a CLOC there and just use it as a backup, it's just some cards like Capital One will take the autopay even if you manually paid so I ended up deleting it from all of them.