3% Cash Back for gas station, restaurant, hardware store, home improvement store, and office supply store. (4000 pts max per month) 1% Cash Back for everything else. (no limit) No annual fee. 0% BT & purchases for 12 months, then fixed 8.99% after.
Sounds like a good all around card. What do you think?
Chase is more lenient with restaurants, especially bars. Better card vs Citi/MtvU since 3% > 2.5% (if just requesting CashBack). Better than Citi Professional since is codes more places as restaurants.
It was an invitation I got in the mail, so no link, and I've searched and found nothing of it, even on chase.com.
It is not a business card. The application asks for annual household income, doesn't ask for tax ID. There's an optional question for business name if you own one and want to display company name on the card.
Seems like a good card to complement the 5% gas/drug/grocery card. I've received both the business and professional version offers for this, and they seem very similar. I'll probably try to convert an old MC from them to this.
mgdeals said:Seems like a good card to complement the 5% gas/drug/grocery card. I've received both the business and professional version offers for this, and they seem very similar. I'll probably try to convert an old MC from them to this.
From the restaurant perspective it looks good because:
mgdeals said:Seems like a good card to complement the 5% gas/drug/grocery card. I've received both the business and professional version offers for this, and they seem very similar. I'll probably try to convert an old MC from them to this.
How does a credit card conversion work in terms of length of credit history with that card? I'm interested in the impact on a FICO score. Does it keep your original "member since XX/YY" date of the old card but they send you the new card with the new terms? Do you get to keep your old credit limits? Or do they make you start all over on credit history dating & credit limit? Do they make you cancel the old card so it shows on the credit report that it was closed?
Sorry for throwing so many questions at you at once. I'm just really curious as I've been reading tons of threads lately about credit card management here.
poo said:AlexTheMan said:poo said:BankofGreed said:too lazy to search, but would fast food (not like I eat there exclusively) count as a resturant purchase?
Get the Citi MtvU card, 99% of fast food is counted at 5%. There is a thread going that lists the fast food places that have been confirmed.
Citi MtvU is only for students!!
Many people have been approved, including myself, without proving enrollment.
InterestedOnlooker said:How does a credit card conversion work in terms of length of credit history with that card? I'm interested in the impact on a FICO score. Does it keep your original "member since XX/YY" date of the old card but they send you the new card with the new terms? Do you get to keep your old credit limits? Or do they make you start all over on credit history dating & credit limit? Do they make you cancel the old card so it shows on the credit report that it was closed?
Sorry for throwing so many questions at you at once. I'm just really curious as I've been reading tons of threads lately about credit card management here.
I've never converted one before, but from what I hear, they can have the new account take over the history. I would have the CSR explicitly verify this before proceeding though.
RushnRockt said:KeepOneInDaChamber said: Oh boy you have to eat a lot of fast food to justify getting that card.
Care to explain? It works well in conjunction with other Citi cards.
Why carry an extra MtvU card in your wallet just for fast foods? IMHO extra 4% back doesn't translate into enough savings to justify the hassle of having an extra card (other perks are really negligible, especially for a non-student). Well, unless it's for someone who really enjoys it..
Why carry an extra MtvU card in your wallet just for fast foods? IMHO extra 4% back doesn't translate into enough savings to justify the hassle of having an extra card (other perks are really negligible, especially for a non-student). Well, unless it's for someone who really enjoys it..
Sorry for OT, but that's not only fast foods, restaurants apply as well and so are bookstores. With 2-3 Citi Cards, you can have extra points coming in from major activities, I don't see how the one extra card changes anything, unless you refuse to carry more than one. IMO
KeepOneInDaChamber said:RushnRockt said:KeepOneInDaChamber said: Oh boy you have to eat a lot of fast food to justify getting that card.
Care to explain? It works well in conjunction with other Citi cards.
Why carry an extra MtvU card in your wallet just for fast foods? IMHO extra 4% back doesn't translate into enough savings to justify the hassle of having an extra card (other perks are really negligible, especially for a non-student). Well, unless it's for someone who really enjoys it..
Because you can use it at restaurants too. Also having the card makes things like the upromise bonus that is going on now even better: http://www.fatwallet.com/t/52/630548/
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