Another signup link.
Same old deal, but the BT maybe performed anytime within 12 months after signup and 0% if for 12 months after that.
In this case you can signup, make a purchase, pay it off, get yout $100 reward, then BT to avoid the financial charges.

tjankk said:Another signup link.
Same old deal, but the BT maybe performed anytime within 12 months after signup and 0% if for 12 months after that.
In this case you can signup, make a purchase, pay it off, get yout $100 reward, then BT to avoid the financial charges.


I ran into this problem, i am getting finance charges on my purchase now cause Citi pay off the lowest interest rate when you make payments. thats bull****... i am going to call them and ask them to change it so it pays off the highest interest rate or i will pay off the balance and take my 100$ and leave.

has anyone had any success with asking a CC company to pay off the highest interest rate before the lowest on a card?

KyleC said:tjankk said:Another signup link.
Same old deal, but the BT maybe performed anytime within 12 months after signup and 0% if for 12 months after that.
In this case you can signup, make a purchase, pay it off, get yout $100 reward, then BT to avoid the financial charges.


I ran into this problem, i am getting finance charges on my purchase now cause Citi pay off the lowest interest rate when you make payments. thats bull****... i am going to call them and ask them to change it so it pays off the highest interest rate or i will pay off the balance and take my 100$ and leave.

has anyone had any success with asking a CC company to pay off the highest interest rate before the lowest on a card?

Not gonna happen. Check the fine print of your CC's terms & agreement. This is pretty much standard across the board for CCs.

So is this link not the same as what F1F6 offers?

Link

KyleC said:has anyone had any success with asking a CC company to pay off the highest interest rate before the lowest on a card?I had a similar problem: I charged a couple items for ~$2000 on a card that I had already done a $85000 BT. I didn't know about the issue of the lower interest items being paid off first at the time. When I found out about this, I was able to determine that if I got a credit for the charged items within 1 billing cycle, the credit would offset the items purchased and would take care of the problem. So I had the merchants issue a credit to the offending card and then charge a different card where I did not have a BT. Maybe you could do the same.

Wild1 said:andrewli said:PReMieR said:After I sign up for the bonus, can I consolidate this card with my AMEX Blue Cash?Most likely not as Citi manages this AMEX card. AMEX probably doesn't even have these accounts accessible to their normal customer reps.Can anyone confirm this? I need a card at the end of the year to roll my $85K MBNA Visa BT to. I have several cards issued directly by AMEX that I could consolidate with this Citi card if possible. Otherwise getting an addl 85K CL will be tough.

Co-branded cards are managed by AMEX's respective partners, so the CL's can't be consolidated.

So if I understand correctly: (cause I just got the checks in the mail)

Use card to make purchace, and them pay it off. Then use BT checks to deposit to my local bank account, then transfer money to Emigrant Direct (or similiar such place) to earn intrest on interest free money. Then don't use the account. There are no fees in the BT checks and no interest until Aug 2007 (in my case). Is all of this correct?

I am not sure if account will have a minimum payment if I am just using it for BT at 0%, can someone confirm? Not that I really care, just checking.

So let me get this straight. I can do bt and purchases. If I make a payment they are going to apply to my 0 apr bt first then to my purchase. So if I have a card with say $6k bt and $1k purchase, I have to payoff the $6k bt first while my $1k is sitting over gaining interest and of course I wont be able to payoff the 6 for a year from now??