Which Citi is better for me?

[Anonymous]

God, I know. I am not stupid. I already told you that I'm looking for a Citi card for Excellent credit. For the best one I can get without AF. Are there any owners of the Citi card that can advice me which I should apply for???

[Anonymous]

Please, If you can not advice anything, do not reply

[Anonymous]

We have 3 Citi cards - one of which dates back to the mid 1980s - but the only one that gets any use is our Citi Dividend World MasterCard, which rebates 2% on grocery & drug store purchases & 1% on everything else. Unfortunately, the rewards are capped at $300 per year. This used to be our most heavily used card until a little over a year ago, when we got our PenFed Platinum Visa. PenFed's rewards are more generous & are not capped.

We also have a Citi Diamond Preferred Rewards MasterCard. Even though it has a decent limit - $16K - we almost never use it because it pays ThankYou Points instead of cash rebates. With our long, spotless credit history, we have all the high-limit cards we need. At this point, we're interested only in cards that pay decent rewards. Citi's reward programs are pretty weak, IMO.

[Anonymous]

Have they ever cut your CL for not using the cards?

[haulingthescoreup]

Lexa, one problem might be that Citi has rearranged its CC line so much that it's hard to say which card might be the high-CL card. (Chase is even worse --I can't figure out any of its cards any more!)

I understand what you're asking --if you get a Citi card, you'd like to have the one that has the most potential for growth. But it might well be that the rules have been re-written so much over the last 18 months that no one really knows any more which Citi card is likely to be the big bucks card.

[Anonymous]

Thanks for understanding. I hoped there some Citi users on this forum that have more experience in those cards than I do and can suggest a particular card... I did a research on Platinum Select, it looks like a good basic card that gives good CL for those who have good scores... BTW if I do not have an account with Citi, can I make payments online from a different bank?

[chnceit]

i started with the platinum select from citi loved the low interest rate that came with it but then i pc'd to the amex diamond rewards card liked the card and at least it had rewards but had to sacrifice for a bump up in interest. i say go with the platinum select then you can pc to another card if you wish to. citi was good to me until the jacked up my interest rate starting in a couple months.  

[Anonymous]

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@Anonymous wrote:
Have they ever cut your CL for not using the cards?

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No, they haven't. I'll give Citi credit for that. We also have an AT&T Universal Card, which is a Citi card, that I buried so deep in my desk drawer that I forgot all about it for over a year. Citi never took any kind of AA against us. So now I charge a book of stamps to it every couple of months.

 If you really want a card from Citi, the Platinum Select is a pretty good choice. And you can make online payments to any Citi card from an outside (non-Citibank) deposit account.

 

 

 

[Anonymous]

Lexa-

I am a Citi-card member, and it's going on two years now doing business with them. I currently have the platinum select mastercard which started with an initial CL of $750, 12.99% fixed APR out the gate. But since then it has grown to almost 5k to date. I have had no problems with citi and they are generous with CLI. I hope this helps.