Credit 
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The 10-Second Credit Limit Increase

I logged into my Citi credit card account online today to make some changes to my profile when I decided to try to get an automatic credit line increase. I figured I was already logged in doing other things, a few button clicks to see if I could increase the limit certainly wasn’t going to cost me much time. I swung up to Tools & Services and click on Request a Credit Line Increase. If you recently did this, the option won’t be there.

I clicked on it and this is what appeared:
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 Credit 
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Citi Holiday Student Bonus Cashback Promotion

This offer has expired.

Citi is running a college student holiday promotion from now until January 15th, 2010, on their Citi mtvU Platinum Select and Citi Forward credit cards. From until January 15th, new cardmembers who are college students who apply and are approved for the cards have the chance to earn 3,600 bonus points for paying their bill on-time and for staying under the credit limit for three months. Normally credit cards will give you rewards for spending aX dollars within three months, Citi is doing something more responsible – rewards based on timely payment and responsible borrowing.

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 Personal Finance 
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How To Get A Low Interest Rate APR on Credit Card Debt

List of Credit Card Debt I’ve been getting a lot of stories of people struggling to get out of debt because of the recent How to Fight a Debt Collector series. They haven’t reached the point of fighting debt collectors yet and they want to keep it that way. As much as others like to malign those deep in debt, the vast majority of debtors want to make good on what they owe.

If you’re in heavy credit card debt, the first thing you need to do is take stock of your financial situation and stop spending. You need to get yourself on a budget and stop the bleeding. Once you get that under control, the next step is to restructure your debts so you can make up lost ground. That’s where this post comes in.

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 Credit 
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Discover Card Rewards Catalog

Discover Card Network LogoToday we’ll be taking a look at the Discover Card rewards catalog, the final in our series of reward catalog reviews. The reason I kept Discover for last was because it’s less widely accepted and because their rewards catalog is very simple. Until taking a look today, I didn’t even know they had a rewards catalog because I always converted my cash back rewards into statement credits. When Citi converts points into cash at 0.69¢ and American Express does it at 0.60¢, I’ll take the full value 1¢ every single day.

However, there are instances where you may not want cash.

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 Credit 
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American Express Membership Rewards Review

Membership Rewards is the name of American Express’ rewards program and this is the second post in my series on reviewing credit card reward networks. As I said before in the Citi ThankYou Network review, with every credit card rewards catalog, the points to dollar ratio changes with the product you “buy.” My hope is that with this review, we will both have a better understanding of the catalog, how the programs work, where the best exchanges are, and ultimately help you decide whether this rewards program is right for you.

Membership Rewards

The Membership Rewards program is the reward program for all American Express cards that offer points, rather than cash. With AMEX’s program, there is no limit to the number of points you can earn and they never expire. One big difference between this rewards program and others is that enrollment into the Membership Rewards program may come with a fee.

The Membership Rewards catalog is a lot like the Citi ThankYou Network’s catalog. There are plenty of gift cards, airline rewards, and travel perks; but there are a few “swankier” rewards at the upper tiers such as a business class round-trip ticket to Tahiti on Air Tahiti Nui (348,000 points) and a sub-orbital space flight for 20,000,000 points.

You can fly in space!

OK, now that we’re all worked up, here’s some more about the program. Let’s find out where the good deals are, if they exist, and whether this reward program is right for you.

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 Credit 
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Citi ThankYou Network Rewards Review

CitibankToday we’ll take a look at the ThankYou Network, the rewards network for Citi credit cards, as part of my series on reviewing credit card reward networks. As is the case with every credit card rewards catalog, the points to dollar ratio changes with the things you redeem. This review will give you a better understanding of the catalog, how to find the best deals, what the best item is, and help you decide whether this rewards program is right for you.

ThankYou Network

The ThankYou Network is probably one of the most extensive rewards catalogs available, as it includes all the standard stuff like gift cards and statemetn credits, plus it adds in thousands of products. If you had enough points, you have over three hundred laptops to choose from! They have outdoor equipment, automotive supplies, home goods, music downloads, and basically anything and everything you could imagine. If you are green, you can even participate in American Forests’ “Plant a Tree program” at the cost of 4,800 points per twenty-five trees.

So let’s take a look at the program, see where the value is and where the fluff is, and try to find out if it’s a good program or not.

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 Credit 
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Credit Card Points Reward Catalogs Reviews

Comparing the best reward credit cards is easy. You review the percentage-back rewards on each category, compare it to your own spending, and decide based on which one will give you the greatest rewards. It’s a little harder to find out if the rewards you get are worth it, as fewer cards offer cash.

Over the next few days I’ll take a look at some of the catalogs of the most popular credit card companies. I’ll give you the lowdown on their products, where you can get the maximum value out of your points, and a closer look at how each system works so that you can decide on which card to use.

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 Personal Finance 
13
comments

Citi Student Loan Rebate Reward Price Increase

Ecstatic GraduateI’ve been doing research on the various reward catalogs of credit card companies when I discovered my favorite reward, a student loan rebate check from the Citi ThankYou Network, had gone up in price. I would routinely cite that reward as one of the main reasons I kept using my Citi card. A few short months ago, for 10,000 points, you could get a $100 check written to your student loan servicer. That came out to each point being valued at 1¢.

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