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Re: Service FCU
@Anonymous wrote:@Jnbmom
For the first time since 2011, Citi Bank sent me a BT offer (Note, I have a spotless record and was at 850 Fico 8 for five years).![]()
The Apr rate is 9.99% with a fee of 2% and it expires September 1, 2023 where upon it goes to a Variable Rate of 18.49% ... ?
What to say?
I don't think it has much to do with having a spotless record or such scores @Anonymous. It has more to do with whether you're an ideal target for their offers (based on what Citi knows about you).
I have a ton of Citi legacy cards and I get anything from 0% BTs (6 months or 12 months), 0% purchases, 1.99% BTs, 4.99% BTs, 5.99% BTs spread across any of their CCs 🤷♂️ I don't particularly feel I'm their ideal target, but somehow Citi decides wants to capitalize on that or I'm a candidate for such offers.
@Jnbmom - just to confirm, this particular CU, is that SDFCU? I know sometimes some CUs can have similar names, but I wasn't sure.

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Re: Service FCU
@FinStar
The interesting part of all this with Citi is I used to receive offers from them back to 2009 and used many over the years (competitive offers at good rates).
My cards have mostly been Legacy cards and I like what is in my herd from Citi Bank today.
Credit record has been consistent with few new cards in the last few years. Citi also has been good to let me try many different cards with no hard times about changing products like the Dividend WE MC Card and the Citi Forward VS Card as examples.
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Re: Service FCU
@FinStar wrote:
@Anonymous wrote:@Jnbmom
For the first time since 2011, Citi Bank sent me a BT offer (Note, I have a spotless record and was at 850 Fico 8 for five years).![]()
The Apr rate is 9.99% with a fee of 2% and it expires September 1, 2023 where upon it goes to a Variable Rate of 18.49% ... ?
What to say?
I don't think it has much to do with having a spotless record or such scores @Anonymous. It has more to do with whether you're an ideal target for their offers (based on what Citi knows about you).
I have a ton of Citi legacy cards and I get anything from 0% BTs (6 months or 12 months), 0% purchases, 1.99% BTs, 4.99% BTs, 5.99% BTs spread across any of their CCs 🤷♂️ I don't particularly feel I'm their ideal target, but somehow Citi decides wants to capitalize on that or I'm a candidate for such offers.
@Jnbmom - just to confirm, this particular CU, is that SDFCU? I know sometimes some CUs can have similar names, but I wasn't sure.
I'm sure she means Service FCU https://www.servicefcu.org as I know she has a card with a nice CL from them. They have a really nice branch right down the street from one of my favorite candy stores at Ham Radio Outlet in Salem NH.
FICO 8 (EX) 850 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850
$1M+ club
Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
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Re: Service FCU
@coldfusion wrote:
@FinStar wrote:
@Anonymous wrote:@Jnbmom
For the first time since 2011, Citi Bank sent me a BT offer (Note, I have a spotless record and was at 850 Fico 8 for five years).![]()
The Apr rate is 9.99% with a fee of 2% and it expires September 1, 2023 where upon it goes to a Variable Rate of 18.49% ... ?
What to say?
I don't think it has much to do with having a spotless record or such scores @Anonymous. It has more to do with whether you're an ideal target for their offers (based on what Citi knows about you).
I have a ton of Citi legacy cards and I get anything from 0% BTs (6 months or 12 months), 0% purchases, 1.99% BTs, 4.99% BTs, 5.99% BTs spread across any of their CCs 🤷♂️ I don't particularly feel I'm their ideal target, but somehow Citi decides wants to capitalize on that or I'm a candidate for such offers.
@Jnbmom - just to confirm, this particular CU, is that SDFCU? I know sometimes some CUs can have similar names, but I wasn't sure.
I'm sure she means Service FCU https://www.servicefcu.org as I know she has a card with a nice CL from them. They have a really nice branch right down the street from one of my favorite candy stores at Ham Radio Outlet in Salem NH.
@coldfusion - I have a different link/URL than the one you posted above, is there an "f" as part of the string?

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Re: Service FCU
@coldfusion wrote:
@FinStar wrote:
@Anonymous wrote:@Jnbmom
For the first time since 2011, Citi Bank sent me a BT offer (Note, I have a spotless record and was at 850 Fico 8 for five years).![]()
The Apr rate is 9.99% with a fee of 2% and it expires September 1, 2023 where upon it goes to a Variable Rate of 18.49% ... ?
What to say?
I don't think it has much to do with having a spotless record or such scores @Anonymous. It has more to do with whether you're an ideal target for their offers (based on what Citi knows about you).
I have a ton of Citi legacy cards and I get anything from 0% BTs (6 months or 12 months), 0% purchases, 1.99% BTs, 4.99% BTs, 5.99% BTs spread across any of their CCs 🤷♂️ I don't particularly feel I'm their ideal target, but somehow Citi decides wants to capitalize on that or I'm a candidate for such offers.
@Jnbmom - just to confirm, this particular CU, is that SDFCU? I know sometimes some CUs can have similar names, but I wasn't sure.
I'm sure she means Service FCU https://www.servicefcu.org as I know she has a card with a nice CL from them. They have a really nice branch right down the street from one of my favorite candy stores at Ham Radio Outlet in Salem NH.
ETA: As @FinStar found!
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Re: Service FCU
🤣I'm with you...it's useless unless you're expecting a windfall in a couple of months.
| TU Fico 9: ? | Exp Fico 9: ? | EQ Fico 9: ?| EQ Fico 8 Bankcard: TBA
Initial Goal: Min. 740 w/all CRAs - Met
Interim Goal: 780 w/all CRAs - Met
Current Goal(s): Min. 800 w/all CRAs
Gardening Until: ??/??/202?| Last App: 10/20/2023
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Re: Service FCU
@Anonymous wrote:@Jnbmom
For the first time since 2011, Citi Bank sent me a BT offer (Note, I have a spotless record and was at 850 Fico 8 for five years).![]()
The Apr rate is 9.99% with a fee of 2% and it expires September 1, 2023 where upon it goes to a Variable Rate of 18.49% ... ?
What to say?
You just laugh and shred it...😂
| TU Fico 9: ? | Exp Fico 9: ? | EQ Fico 9: ?| EQ Fico 8 Bankcard: TBA
Initial Goal: Min. 740 w/all CRAs - Met
Interim Goal: 780 w/all CRAs - Met
Current Goal(s): Min. 800 w/all CRAs
Gardening Until: ??/??/202?| Last App: 10/20/2023
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Re: Service FCU
@FinStar wrote:
@coldfusion wrote:
@FinStar wrote:
@Anonymous wrote:@Jnbmom
For the first time since 2011, Citi Bank sent me a BT offer (Note, I have a spotless record and was at 850 Fico 8 for five years).![]()
The Apr rate is 9.99% with a fee of 2% and it expires September 1, 2023 where upon it goes to a Variable Rate of 18.49% ... ?
What to say?
I don't think it has much to do with having a spotless record or such scores @Anonymous. It has more to do with whether you're an ideal target for their offers (based on what Citi knows about you).
I have a ton of Citi legacy cards and I get anything from 0% BTs (6 months or 12 months), 0% purchases, 1.99% BTs, 4.99% BTs, 5.99% BTs spread across any of their CCs 🤷♂️ I don't particularly feel I'm their ideal target, but somehow Citi decides wants to capitalize on that or I'm a candidate for such offers.
@Jnbmom - just to confirm, this particular CU, is that SDFCU? I know sometimes some CUs can have similar names, but I wasn't sure.
I'm sure she means Service FCU https://www.servicefcu.org as I know she has a card with a nice CL from them. They have a really nice branch right down the street from one of my favorite candy stores at Ham Radio Outlet in Salem NH.
@coldfusion - I have a different link/URL than the one you posted above, is there an "f" as part of the string?
You're correct! I had the right CU in mind but goofed when typing in the URL.
FICO 8 (EX) 850 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850
$1M+ club
Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
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Re: Service FCU
@coldfusion wrote:
@FinStar wrote:
@Anonymous wrote:@Jnbmom
For the first time since 2011, Citi Bank sent me a BT offer (Note, I have a spotless record and was at 850 Fico 8 for five years).![]()
The Apr rate is 9.99% with a fee of 2% and it expires September 1, 2023 where upon it goes to a Variable Rate of 18.49% ... ?
What to say?
I don't think it has much to do with having a spotless record or such scores @Anonymous. It has more to do with whether you're an ideal target for their offers (based on what Citi knows about you).
I have a ton of Citi legacy cards and I get anything from 0% BTs (6 months or 12 months), 0% purchases, 1.99% BTs, 4.99% BTs, 5.99% BTs spread across any of their CCs 🤷♂️ I don't particularly feel I'm their ideal target, but somehow Citi decides wants to capitalize on that or I'm a candidate for such offers.
@Jnbmom - just to confirm, this particular CU, is that SDFCU? I know sometimes some CUs can have similar names, but I wasn't sure.
I'm sure she means Service FCU https://www.servicefcu.org as I know she has a card with a nice CL from them. They have a really nice branch right down the street from one of my favorite candy stores at Ham Radio Outlet in Salem NH.
Yes that is who I am referring to
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