I'd imagine quite a few people on FWF have made good use of CITI Professional card, something to the tune of 15K TYPs + 12 months of 0% arbitrage. Now you have a card that:
has a fairly large credit line (reallocating TO CITI PRO was so easy since early in 2007)
earns you 3%(TYPs) on gas/restaurants/office supplies and 1%(TYP) on everything else
reports on your personal credit report(s), but sends quarterly summaries of spending (like business cards do) .. still a personal card for most practical purposes
sits on a separate CITI "platform", making direct CLR FROM (or even consolidation) impossible
So, even a taken advantage of ["used" ] CITI PRO may still present a good value proposition (e.g., if one spends a lot of money eating out), but it would be nice to discuss options other than just using this card the way CITI has "prescribed" (listed in the "Quick Summary"). Please share your thoughts and experiences, what worked, what did not.
I am not sure if you can get the second Pro card while the first one is still open. When I applied for a second, th denial letter said that I already have the maximum number of cards.
tolamapS
Senior Member - 2K
posted: Apr. 20, 2008 @ 5:03p
What's the objective here?
If you want to capture / not lose the credit limit, simply re-alloc the credit limit elsewhere. Should be possible to re-alloc to any CITI Biz (regular w/ TY network, Premier Pass, etc).
If you want to R&R, perhaps close and wait, and re-try.
PerkGetter
Senior Member
posted: Apr. 20, 2008 @ 6:28p
I use the card specifically for resturants and car rentals for what amounts to about 1.8% Cash Back (if you use TY points for a statement credit.) My company cafeteria is a gourmet quality resturaunt with McDonalds prices - this is useful enough for me to use the card. I eat like a king for pennies. PENNIES!!
PerkGetter said: I use the card specifically for resturants and car rentals for what amounts to about 1.8% Cash Back (if you use TY points for a statement credit.) My company cafeteria is a gourmet quality resturaunt with McDonalds prices - this is useful enough for me to use the card. I eat like a king for pennies. PENNIES!!Using TY points for statement credit is one of the worst options. Consider using them for fixed-point flights (if you pay for travel). 20k points for most domestic tickets.
g10ny: I believe I came across a post somewhere in FWF that mentioned getting a 2nd CITI Pro as something that actually took place. Could it be that in your case you hit the limit of the overall number of cards with CITI, and not that one cannot have more than 1 CITI Pro?
tolamapS: the objective is to explore the space of options available with CITI Pro card that has already been milked for 15K TYPs and 12 mo. of 0% BT and to collect statistics on how (un)successful some of the options are. To this end, are you saying that one can CLR from CITI Pro to more or less any business card directly?
PerkGetter
Senior Member
posted: Apr. 20, 2008 @ 7:03p
BrianGa said: PerkGetter said: I use the card specifically for resturants and car rentals for what amounts to about 1.8% Cash Back (if you use TY points for a statement credit.) My company cafeteria is a gourmet quality resturaunt with McDonalds prices - this is useful enough for me to use the card. I eat like a king for pennies. PENNIES!!Using TY points for statement credit is one of the worst options. Consider using them for fixed-point flights (if you pay for travel). 20k points for most domestic tickets.
OK BrianGa, I'll certainly look closer at the fixed-point flight option - thanks for the heads up. Still, 1.8% for car rentals and resturants ain't half bad especially when it's a business expense that gets reimbursed and you're taking a whole bunch of people out. My company don't know nothin' 'bout TY points when I submit my expenses
PerkGetter said: OK BrianGa, I'll certainly look closer at the fixed-point flight option - thanks for the heads up. Still, 1.8% for car rentals and resturants ain't half bad especially when it's a business expense that gets reimbursed and you're taking a whole bunch of people out. My company don't know nothin' 'bout TY points when I submit my expensesIt's not bad, but I would strive for at least 3% at restaurants. I get 5% with the mTVU card.
glxpass
Senior Member - 5K
posted: Apr. 20, 2008 @ 7:22p
One possibility I'm considering is to re-allocate a major part of the Citi Professional CL to the Citi CashReturns card (which usually comes with a fairly low CL), and trying one of these promotions that expire on 5/16. There's some debate on this thread as to whether funding with a credit card (especially Citibank) would be a cash advance rather than a purchase. I haven't yet seen anyone try it with a CashReturns card, so it would be interesting.
Just to make this thread a little bit less abstract:
My situation: I have a $24K CITI Pro (15K TYPs promo and 12mo. 0% APR have been taken advantage of already). My only other CITI CCS are a $20K DPR (used for groceries, my oldest account) and $40K business (unused). I'm leaning toward converting Pro to another personal DPR or Platinum Select so that in the future I can either make a $44K mega DPR cc out of my oldest card or, reallocate to whatever CITI personal card I'm going to get in the next AOR (should I decide to do one).
My wife's situation: $9K DPR (again, all promos are taken advantage of already), $9K CashReturns (past 90 days), and $12K PPE. In this case I'm thinking of converting Pro to a DPR and then consolidating with CashReturns with the ultimate goal to build one very strong card (mostly with the goal of further improving wife's credit report). PPE will be rolled into that card as well, once we don't need (need it now in order to be eligible for fixed points airfare redemption).
So, I'd like to if my choices are optimal ... and with tolamapS post few posts above I already see that in my case I may be better off keeping Pro till the AOR and then consolidating it to a business card I might be getting (but it's still hard to part with a good chunk of my personal CL with CITI). Anyway, this thread is not about my particular situation as I'm sure I'm not the only one who's itching to do something with a CITI Pro CC. Please come forward with your thoughts and experiences. How are YOU making sure that your CITI Pro is working for you?
glxpass said: One possibility I'm considering is to re-allocate a major part of the Citi Professional CL to the Citi CashReturns card, and trying one of these promotions that expire on 5/16. There's some debate on this thread as to whether funding with a credit card (especially Citibank) would be a cash advance rather than a purchase. I haven't yet seen anyone try it with a CashReturns card, so it would be interesting.
It means that you'll be converting your CITI Pro into a personal card of some kind, doesn't it?
glxpass
Senior Member - 5K
posted: Apr. 20, 2008 @ 7:45p
cyberkost said: glxpass said: One possibility I'm considering is to re-allocate a major part of the Citi Professional CL to the Citi CashReturns card, and trying one of these promotions that expire on 5/16. There's some debate on this thread as to whether funding with a credit card (especially Citibank) would be a cash advance rather than a purchase. I haven't yet seen anyone try it with a CashReturns card, so it would be interesting.
It means that you'll be converting your CITI Pro into a personal card of some kind, doesn't it? I don't know. The Professional is more of a hybrid card than a business card, AFAIK. For example, it shows up on one's personal credit reports. I'd prefer to re-allocate than to convert, and keep the card. I honestly don't know if Citi will allow the re-allocation from the Professional to the CashReturns card, but I intend to find out.
glxpass said: I don't know. The Professional is more of a hybrid card than a business card, AFAIK. For example, it shows up on one's personal credit reports. I'd prefer to re-allocate than to convert, and keep the card. I honestly don't know if Citi will allow the re-allocation from the Professional to the CashReturns card, but I intend to find out.
Well, this is the thing about CITI Pro -- one cannot reallocate or consolidate to a personal card (waiting tolamapS to clarify about CLR to business). This is not a matter of trying 10 CSRs or escalating to the manager. It's kinda special card in this regard and that's why I started this thread instead of posting in the "what do you do with the cards post-AOR?" thread [which I cannot find anyways ]
glxpass
Senior Member - 5K
posted: Apr. 20, 2008 @ 8:14p
cyberkost said: glxpass said: I don't know. The Professional is more of a hybrid card than a business card, AFAIK. For example, it shows up on one's personal credit reports. I'd prefer to re-allocate than to convert, and keep the card. I honestly don't know if Citi will allow the re-allocation from the Professional to the CashReturns card, but I intend to find out.
Well, this is the thing about CITI Pro -- one cannot reallocate or consolidate to a personal card (waiting tolamapS to clarify about CLR to business). This is not a matter of trying 10 CSRs or escalating to the manager. It's kinda special card in this regard and that's why I started this thread instead of posting in the "what do you do with the cards post-AOR?" thread [which I cannot find anyways ] You're right -- unfortunately. I just confirmed this with a supervisor. It's considered a business card, which implies -- I didn't check, though -- that you could re-allocate to another Citi business card.
cyberkost said: g10ny: I believe I came across a post somewhere in FWF that mentioned getting a 2nd CITI Pro as something that actually took place. Could it be that in your case you hit the limit of the overall number of cards with CITI, and not that one caannot have more than 1 CITI Pro? That's what I thought first. But then I was also approved for the no-fee Premier Pass Elite last year in Jan/Feb.
g10ny said: cyberkost said: g10ny: I believe I came across a post somewhere in FWF that mentioned getting a 2nd CITI Pro as something that actually took place. Could it be that in your case you hit the limit of the overall number of cards with CITI, and not that one cannot have more than 1 CITI Pro? That's what I thought first. But then I was also approved for the no-fee Premier Pass Elite last year in Jan/Feb.
it still could have been "max number of (new) cards in a given period of time" and Jan/Feb 2007 was already outside of that period .. but your point is taken. Thanks!
tolamapS
Senior Member - 2K
posted: Apr. 21, 2008 @ 12:31a
cyberkost said: tolamapS: the objective is to explore the space of options available with CITI Pro card that has already been milked for 15K TYPs and 12 mo. of 0% BT and to collect statistics on how (un)successful some of the options are. To this end, are you saying that one can CLR from CITI Pro to more or less any business card directly?
Yes, I have been able to successfully re-allocate from Citi Professional to Citi Business w/ TY network.
I have not tried allocation from Citi Professional to Citi Personal. But Citi Professional shows up w/ all my personal cards at accountonline.com
Also, I have been able to allocate from AT&T universal into Citi Professional.
Furthermore, when I recently applied for an mtvU card, a credit analyst told me that the only way to get that card is to suck credit from one of my other personal cards, and she mentioned my AT&T Universal and Professional, implying that credit could be sucked from the Professional into mtvU. At the time, I asked her to get the credit from AT&T Universal. I remember that she did not mention the card types, as if it did not matter. She referred to the cards with their last 4 digits and available credit. The fact that I have 2 CitiBusiness cards did not even come up. CITI does not give an mtvU card if you have sizable debt, and at the time I had close to 30K BT outstanding on one of my CitiBusiness Cards.
glxpass said: cyberkost said: glxpass said: I don't know. The Professional is more of a hybrid card than a business card, AFAIK. For example, it shows up on one's personal credit reports. I'd prefer to re-allocate than to convert, and keep the card. I honestly don't know if Citi will allow the re-allocation from the Professional to the CashReturns card, but I intend to find out.
Well, this is the thing about CITI Pro -- one cannot reallocate or consolidate to a personal card (waiting tolamapS to clarify about CLR to business). This is not a matter of trying 10 CSRs or escalating to the manager. It's kinda special card in this regard and that's why I started this thread instead of posting in the "what do you do with the cards post-AOR?" thread [which I cannot find anyways ] You're right -- unfortunately. I just confirmed this with a supervisor. It's considered a business card, which implies -- I didn't check, though -- that you could re-allocate to another Citi business card.
Not quite the case glx. I tried many times to reallocate the 15k I have on this card to another business and personal card. They just wouldnt let me. One CSR said, "ok, done" when I reallocated to my personal AT&T universal. But when I went back and checked later, nothing changed between the two cards. I tried it with a biz card that had the same type of credit according to a CSR, not sure which card it was, and she also said it could not be done. I think I tried about 5 different scenarios with CSRs to no avail, but if someone finds a way I would love to know how to take advantage myself. 15k is enough of a CL to be a CC that is in play with me.
tolamapS
Senior Member - 2K
posted: Apr. 21, 2008 @ 12:38a
PorStaker said: glxpass said: cyberkost said: glxpass said: I don't know. The Professional is more of a hybrid card than a business card, AFAIK. For example, it shows up on one's personal credit reports. I'd prefer to re-allocate than to convert, and keep the card. I honestly don't know if Citi will allow the re-allocation from the Professional to the CashReturns card, but I intend to find out.
Well, this is the thing about CITI Pro -- one cannot reallocate or consolidate to a personal card (waiting tolamapS to clarify about CLR to business). This is not a matter of trying 10 CSRs or escalating to the manager. It's kinda special card in this regard and that's why I started this thread instead of posting in the "what do you do with the cards post-AOR?" thread [which I cannot find anyways ] You're right -- unfortunately. I just confirmed this with a supervisor. It's considered a business card, which implies -- I didn't check, though -- that you could re-allocate to another Citi business card.
Not quite the case glx. I tried many times to reallocate the 15k I have on this card to another business and personal card. They just wouldnt let me. One CSR said, "ok, done" when I reallocated to my personal AT&T universal. But when I went back and checked later, nothing changed between the two cards. I tried it with a biz card that had the same type of credit according to a CSR, not sure which card it was, and she also said it could not be done. I think I tried about 5 different scenarios with CSRs to no avail, but if someone finds a way I would love to know how to take advantage myself. 15k is enough of a CL to be a CC that is in play with me.
Did you call the Citi Professional Customer Line or the Citi Business Customer Line?
glxpass
Senior Member - 5K
posted: Apr. 21, 2008 @ 6:45a
PorStaker said: glxpass said: cyberkost said: glxpass said: I don't know. The Professional is more of a hybrid card than a business card, AFAIK. For example, it shows up on one's personal credit reports. I'd prefer to re-allocate than to convert, and keep the card. I honestly don't know if Citi will allow the re-allocation from the Professional to the CashReturns card, but I intend to find out.
Well, this is the thing about CITI Pro -- one cannot reallocate or consolidate to a personal card (waiting tolamapS to clarify about CLR to business). This is not a matter of trying 10 CSRs or escalating to the manager. It's kinda special card in this regard and that's why I started this thread instead of posting in the "what do you do with the cards post-AOR?" thread [which I cannot find anyways ] You're right -- unfortunately. I just confirmed this with a supervisor. It's considered a business card, which implies -- I didn't check, though -- that you could re-allocate to another Citi business card.
Not quite the case glx. I tried many times to reallocate the 15k I have on this card to another business and personal card. They just wouldnt let me. One CSR said, "ok, done" when I reallocated to my personal AT&T universal. But when I went back and checked later, nothing changed between the two cards. I tried it with a biz card that had the same type of credit according to a CSR, not sure which card it was, and she also said it could not be done. I think I tried about 5 different scenarios with CSRs to no avail, but if someone finds a way I would love to know how to take advantage myself. 15k is enough of a CL to be a CC that is in play with me. Experience seems to vary. Look at this thread: Credit line rellocation DENIED from Citi card. Despite its title, search for Professional, and you will find some examples of successful allocation: lhendricks92 - Professional to CitiBusiness PremierPass cafe - Professional to "Biz" Card
I just recently came up on the end of my 0% - 12 mos offer with my very own Citi Pro card.
I called the number on the back of the pro card, and they would NOT let me consolidate it's credit line with any of my other Citi cards (all personal cards).
So I tried applying for another Pro card (my plan was to combine the credit lines once approved). I was denied due to "too many open accounts with Citi". I currently only have 3 cards open with them, counting my Pro. So I'm thinking they will only let you have one Pro at a time (which is different than, say, the Diamond Rewards card).
So I ended up opening a Citi Business card, and they allowed me to consolidate my Pro's credit line with that one.
So it seems like it's really hit or miss, whether they treat it like a personal or business card.
defjukie, CITI Pro: - reports on your personal credit report - does not report on any business credit report - is not associated with business of any kind (one has to give SSN, not TIN when applying) - one cannot have cards for employees - ... so it's a personal credit card. period. Your experience seems to corroborate that CITI allows only one Pro card per person as suggested earlier.
glx, I did search the thread you mentioned and a couple of others. I've also been monitoring FWF for anything related to this topic for several months. The last report of successful CLR from CITI Pro to some other CITI personal cc is 15 months old, lately there have been only denials (which led me think that a thread discussing options with a "used" CITI Pro may not be such a bad idea)... Obviously, CITI went (is going) through an evolution with its policies regarding CITI Pro cards. I guess where we are now is: - CLR to business works (but difficulties are being reported) - CLR to personal does not work (not even consolidation to personal, one has to convert to personal first) - 2nd CITI Pro is not likely. (I also realize that the true CITI Pro reallocation picture may to a degree be obscured by CITI clamping down on reallocation to 0% APR cards, as this is one of the main reasons to attempt reallocation in the first place)
I reallocated from Diamond Preferred to Professional Cash and from Professional TY to Professional Cash with no issues.
swishyx
Senior Member
posted: Apr. 21, 2008 @ 8:39a
When I got my CitiProfessional and CitiBusiness I was able to reallocate from the Pro to the Business without issue. Did it at activation. I am not certain, but I think I did this with a rep on the CitiBusiness side.
dmlavigne1 said: I reallocated from Diamond Preferred to Professional Cash and from Professional TY to Professional Cash with no issues.
dmlavigne1, I'm not sure what "Professional Cash" is. Is this a version of CITI Professional card that has cash rewards and not ThankYou points rewards?
I am wondering if CITI Pro is business card or personal card.
Answer: YES
glxpass
Senior Member - 5K
posted: Apr. 21, 2008 @ 5:22p
cyberkost said: szhang6 said: I have a silly question.
I am wondering if CITI Pro is business card or personal card. Answer: PERSONAL. Explanation: HERE Sorry, I have to disagree. Technically it's a hybrid card: 1. Reports on personal credit report. 2. Sometimes it can be converted to a personal card, although for all I know, that might be possible with other Citi business cards. 3. Occasionally, successful CLRs have been done to Citi Business cards. 4. At least one CSR has said that it's coding is that of a business card.
glxpass said: Technically it's a hybrid card: 1. Reports on personal credit report. 2. Sometimes it can be converted to a personal card, although for all I know, that might be possible with other Citi business cards. 3. Occasionally, successful CLRs have been done to Citi Business cards. 4. At least one CSR has said that it's coding is that of a business card.
Glx, I rarely find myself disagreeing with you, but I think you're making a disservice to the FWF community (ok, how about "confusing some unsuspecting souls" instead of the whole "disservice ..." thing) with the post above (portion of which I'm quoting (and, perhaps, you help pushing CITI's agenda which is along the lines "look, you've got a professional card, use it and we'll treat you almost like a business" and thereby spreading confusion that permeates a good deal of posts about this card). The card misses ALL KEY business card attributes: - one cannot open it in a business name and cannot use TIN when applying - there are no employee cards available - it reports on a personal credit report and does not report on a business credit report. It's absolutely irrelevant what one can/cannot convert the card to and where from/to one can CLR. If you continue to disagree, please post your definition of what a business card is.
glxpass
Senior Member - 5K
posted: Apr. 21, 2008 @ 8:33p
cyberkost, it's fine to disagree; that's what makes FWF so enjoyable. I'm sure my post was pretty clear in what it had to say. Let's face it: The Professional card is very confusing in terms of exactly what you can re-allocate or convert it to.
I won't argue this further except to re-iterate that I'm calling it a "hybrid" card; not a personal card, not a business card, but one that combines certain aspects of both. Feel free to disagree with that statement and my reasons for that statement. I don't mind.
Edited to put post in proper perspective.
glxpass
Senior Member - 5K
posted: Apr. 22, 2008 @ 2:59a
Well, my wife and I just went through the wringer, trying to get the credit limit for her Professional card to her CashReturns card:
1. The CSR was optimistic about closing the Professional and consolidating its CL with the CL on the CashReturns card -- until she entered both account numbers, and received the incompatibility message. She said the Professional had a business-type of account number, which makes it incompatible with the CashReturns card.
2. The CSR researched converting the Professional to a card such as the Simplicity or Diamond Preferred, and then consolidating that CL or re-allocating that CL into the CashReturns CL. She said the conversion wasn't possible, again because of the conflict between the business type of account number and the (potential) consumer type of account number.
3. She said we couldn't do a CLR from the Professional to the CashReturns. I didn't even ask for that possibility because I knew what the answer would be.
However, it appears that one could either do a CLR or a consolidation from the Professional to another business card. (Sorry, cyberkost, she's calling it a business card, despite some very personal-card characteristics. Perhaps it's simply how the account number is structured rather than anything else that's causing the Professional to be treated as a business card.) And apparently, I could take the CL from a personal card such as CashReturns and move that to the Professional, if I understood the CSR correctly.
Pure speculation, but I wonder if a supervisor or manager could override the restriction on any of these options, especially option 1 or option 2. I wasn't willing to put my wife through any further torture this evening, so that's it for now.
Thanks to dmlavigne1 for pointing this out, there are indeed two kinds of CITI Professional card available: 1. Our "favorite" kind (with TYN and $15K TYPs promo): Link 1 (still offers 5K TYPs on top of original 10K TYPs upon leaving the app page ) 2. CITI Professional with CashBack (3% on gas, restaurants and office supplies, 1% on everything else): Link 2. Dmlavigne's experience is that one can have both at the same time. It's too bad that neither seem to be available with a capped BT fee at the moment (though both offer 0% BT APR)
Based on this and other feedback I've updated the list of options in quick summary.
So the QS is incorrect about conversion to personal status.
I've read through the different Citi Pro threads on FWF and I haven't seen one person report they were able to convert the Pro TYP to a personal card. I think I saw one soul say he was able to reallocate FROM the card, but I don't believe that for a second. I know if you hound enough, they'll CLR to the Pro (I did this for my AOR), but not from it (you guessed it, because it's a Biz card).
ahself
Senior Member
posted: Apr. 22, 2008 @ 9:36a
glxpass said: (Sorry, cyberkost, she's calling it a business card, despite some very personal-card characteristics. Perhaps it's simply how the account number is structured rather than anything else that's causing the Professional to be treated as a business card.)
I think the key point with the Citi Pro card, wrt the point of this thread, is how Citi views the card...and they clearly view the card as a Business card. Therefore, it has certain restrictions on what you can and can't do with it.
I know that when I called Citi last year and then again this year for two different A0Rs, the Citi CSRs referred to it as a business card. I remember one CSR saying it was sort of a hybrid card, particularly since it shows up on your personnel Citi login and appears on your personal credit report. However, Citi structures it like a business card, as others have reported.
Case in point, I was able to reallocate from my CitiBiz AA card to the CitiPro card last year, but was not able to reallocate from my wife's Citi AA card to her CitiPro card this year. In all cases, the CSRs referred to the card as a business card. In fact, when I called the Citi AA customer service number to reallocate from that card (my wife's) to the Citi Pro card, the CSR said she couldn't help me because the receiving card, the Citi Pro, was a business card and I would need to talk to a business rep (which she transferred me to).
To mosdeft: feel free to correct Quick summary if you think it's incorrect. I do believe, however, it's possible to convert (not CLR) Pofessional to personal. My wife and I both called about this a few days ago and were offered options to do that. It's true though, that we do not know for sure b/c we decided not to pursue the options at the time (and sometimes what CSR this is doable is not necessarily so).
To ashelf: here's how CITI markets the PRO card: * Designed for business use only, this card provides the purchasing power professionals & businesses need * Speak to a customer service representative immediately * Receive quarterly & annual account summaries separated by purchase category * 24/7 personal business assistant to arrange business dining, travel & entertainment Do you see BS there?! I see it in the very first bullet -- "business use only". I think CITI just wants people to think that using this card makes them somehow look more important, business-like. Here's what a card has to comply with in order to be a business card on my books: -- card should be obtainable in a business name (with TIN, not SSN) -- card must NOT show on a personal credit report -- there needs to be an option for employee cards What's your definition? I'm somewhat surprised why people go by what kind of CLR are not/possible with the card -- this is not spelled out in T&C (and, again, by my reasoning, should have no bearing on whether the card is business or personal).
ahself
Senior Member
posted: Apr. 22, 2008 @ 10:39a
I understand both sides of the argument on whether it could be viewed as a personal or business card. I also agree that it looks, acts and feels more like a personal card. I was just pointing out that, because Citi views/structures it as a business card, there are limits on what your options are...which was the point of you starting this thread.
Just called the Citi Pro # and got the Pro converted to a Diamond Preferred Rewards (I already have one). The CSR gave me a list of card choices (Citi Pro Silver [wtf?], some other Citi variation, and then the Diamond Pref.) and I just picked the Diamond Preferred after confirming with her that the card was a personal one AND if my CL would convert with it. She took a minute and verified it would transfer. Apparently, it's processing now and it will take 3 to 5 days so I'm not completely out of the woods.
The bold is what I was gonna post until I checked my online account center just now. My 'new' DPR card is showing up already and the Pro card is dead !!! This is insane, I hope this isn't a dream
This is simply awesome since I can consolidate and CLR to the CitiReturns Card if I get approved (knock on wood) for my AOR.
Skipping 43 Messages...
zrap
Member
posted: Nov. 17, 2008 @ 3:42p
Tom9999 said: I messed up and did B last year. The minimum finance charge was only $.50 per month, so a cup of coffee ended up costing $7.29 instead of $1.29. It was not worth the hassle of paying back the big BT and then redoing it to save $6.
Didn't see your message until after I finished the previous. Didn't think of the minumum finance charge, but I guess I could live with the extra $6 as well.
edit- actually as long as much purchase is around $50 I would think the finance charge would be more the .50c anyway, so no minimum added. Probably will go that route.
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] CITI PRO may still present a good value proposition (e.g., if one spends a lot of money eating out), but it would be nice to discuss options other than just using this card the way CITI has "prescribed" (listed in the "Quick Summary"). Please share your thoughts and experiences, what worked, what did not.