@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.
@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 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?
@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!
🤣I'm with you...it's useless unless you're expecting a windfall in a couple of months.
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@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...😂
@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.
@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