Please see first post, yes, you must call them. Also, I'm assuming you are referring to buying your new car on the actual credit card. They don't give you reward money just for sending them the receipt. The purchase must be made on your card. You say you've never used your card, if you haven't, then you have $0 rewards.

i have a question too... Is there a minimum credit score requirement in order to be sure that the application will go through? I am planning to apply for Citi® Driver's Edge® MasterCard® but i dont know if i should apply for the one for College Students (with 3% CB) or the regular one (with 6% CB for the first year). My creditscore is 730 but i have almost no credit history. I just have a $500 limit Bank of Am credit Card with a couple of statements fully paid. shall I apply for student one or regular one, if i shall apply at all? just dont wanna be declined after applying.

azfer2007 said:i have a question too... Is there a minimum credit score requirement in order to be sure that the application will go through? I am planning to apply for Citi® Driver's Edge® MasterCard® but i dont know if i should apply for the one for College Students (with 3% CB) or the regular one (with 6% CB for the first year). My creditscore is 730 but i have almost no credit history. I just have a $500 limit Bank of Am credit Card with a couple of statements fully paid. shall I apply for student one or regular one, if i shall apply at all? just dont wanna be declined after applying.

I'm sure you'll be able to get the Driver's Edge card (regular, not student) just fine. I got the student card as my first credit card solely for the purpose of establishing my credit history. My score has dropped recently because of several hard inquiries - CitiBank [Ultimate Savings Account], Cingular [new family plan], and CitiCards [just applied for Driver's Edge] but I still expect to get approved for the latter.

You score is good now but IMO it's good to have more than one credit card. You'll pay for it in the short term with a hard inquiry (so a drop in your credit score) but it's not a big deal unless you'll be applying for an auto loan or mortgage anytime soon.

Uh oh. I got declined for the card.

Their reasons were:
- Your credit report shows too few credit references (this is true; I've had one Citi card for 20 months and one Chase card for 12 months..that's the extent of my credit history - no loans or anything)

- Your credit report shows late payments on accounts - this is NOT true. I just obtained a credit report from Equifax and as expected, there are no late payments reported.

Sigh.. That's fine. I'll just stick to my 5% Cash Back Chase card. Just FYI, my credit score is 705 due to my credit history being relatively short with several hard inquiries in the past 12 months.

Are you referring to registering miles on your vehicle when having it serviced? So that you may later redeem them? If so, I have had no trouble. I sent it in, about 7-10 days later they were reflected in my account. Although, they do not seem to notify you that it was received/processed.

That is strange. Like I said, no issues for me. Maybe give them a call and tell them you want to fax it in or send it directly to someone's attention so it does not get overlooked. And hurry, there is a number of days they must receive it by!

Why not take advantage of both? For Premier Pass Elite, you can simply sign-up and earn the points (not sure if the 25K deal is available, but you can certainly get at least 15 K sign-up bonus). Other options for you: City Professional w/TY for another 15K bonus, City Business Premier Pass for 15K bonus, and City Business w/TY for yet another 15K bonus. The bonuses post on your Thank You Network account once the first statement closes - at least this was my experience.

Your calculation is correct for Drivers Edge points. If you also drive a lot, you can double the DriversEdge points via Drive rebates, essentially earning 12% (for Drive rebate to be redeemed, you need the same number of purchase rebates). One caveat: you can earn at most $500 purchase rebates and at most $500 mile rebates per year on Drivers Edge. At the rate of $54 per month, you will get to the limit in about 9 months.

Southpaw75 said:I'm trying to figure out if the DE Options card is best for me. My goal would be to maximize TY points. Not interested in car repair or rebate.

Here is a typical month of spending for my household:

$400 gas
$500 groceries
$200+ car rental
$300 restaurants
$2000 hotel (usually charge to hotel CC)

I hardly ever purchase airline tickets.
So I am trying to figure out if PPE or DE Options is best. PPE is currently offering 25k bonus points. No bonus points for DE.
PPE doesn't look good because I don't purchase airline tickets but I'm drawn to the 25k bonus points. How long will it take me to earn 25k points on DE card?
Is my calculation correct?
$900*6% = $54 month at 6% level

(I probably would hardly use it for anything but 6% stuff.)

So $54 = 5,400 points
It would take me approx 5 months to get to 25k level and over a 12 month period, I would have almost 65,000 points. Does this look correct?

Probably a glitch. I get 6% on gas, Drugstore, & groceries and only 1% on anything I buy at Super-WalMart or even at the WalMart Neighborhood Market (which is a grocery store). The program seems to have many glitches and you are one of the few who have the glitches working in their favor, rather than against them. With WalMart, the crucial thing seems to be how the specific store codes itself with the Citi card. You got lucky.

S105dude said:Uh oh. I got declined for the card.

Their reasons were:
- Your credit report shows too few credit references (this is true; I've had one Citi card for 20 months and one Chase card for 12 months..that's the extent of my credit history - no loans or anything)

- Your credit report shows late payments on accounts - this is NOT true. I just obtained a credit report from Equifax and as expected, there are no late payments reported.

Sigh.. That's fine. I'll just stick to my 5% Cash Back Chase card. Just FYI, my credit score is 705 due to my credit history being relatively short with several hard inquiries in the past 12 months.

I'd call them up and ask them what was going on. If they're really misreading the report and think you did make late payments, clearing that up should get you the card. You've already got the inquiry, so you might as well try to get the card.

No, they don't verify. At least they didn't for me. They assume you won't have a crazy number of miles in the first few months and I assume they reserve the right to ask for verification if they deem it fit, in the future.