Comments on: Citibank Offers Citi Forward Credit Card, Rewarding Users for Good Habits http://www.consumerismcommentary.com/2009/03/09/citibank-offers-citi-forward-credit-card-rewarding-users-for-good-habits/ A premiere personal finance blog, established 2003. Within, Flexo discusses his own experiences with money, and he and other authors comment on a wide range of personal finance topics. Sat, 21 Nov 2009 16:42:00 -0500 http://wordpress.org/?v=2.8.5 hourly 1 By: E in MD http://www.consumerismcommentary.com/2009/03/09/citibank-offers-citi-forward-credit-card-rewarding-users-for-good-habits/#comment-190080 E in MD Tue, 10 Mar 2009 19:17:07 +0000 http://www.consumerismcommentary.com/?p=5536#comment-190080 These comments are right. TYN only gives 100% as retail gift cards. But the cashback citation, while correct, is too low since if it the rebate is applied to the card's monthly bill it pays $175 for 25,000 points (3.5%), a good complement to 5% grocery-pharma-gas cards and 2% across-the-board cards, for anyone with significant restaurant, cinema, book, music expenses. These comments are right. TYN only gives 100% as retail gift cards. But the cashback citation, while correct, is too low since if it the rebate is applied to the card’s monthly bill it pays $175 for 25,000 points (3.5%), a good complement to 5% grocery-pharma-gas cards and 2% across-the-board cards, for anyone with significant restaurant, cinema, book, music expenses.

]]> By: Eric http://www.consumerismcommentary.com/2009/03/09/citibank-offers-citi-forward-credit-card-rewarding-users-for-good-habits/#comment-190062 Eric Tue, 10 Mar 2009 11:23:19 +0000 http://www.consumerismcommentary.com/?p=5536#comment-190062 Leave it to NCN to suck the joy out of CCs! :P But the devaluation of TY points really puts this "initiative" to waste. Pass. Leave it to NCN to suck the joy out of CCs! :P

But the devaluation of TY points really puts this “initiative” to waste. Pass.

]]> By: NCN http://www.consumerismcommentary.com/2009/03/09/citibank-offers-citi-forward-credit-card-rewarding-users-for-good-habits/#comment-190045 NCN Tue, 10 Mar 2009 00:11:53 +0000 http://www.consumerismcommentary.com/?p=5536#comment-190045 Honest to goodness, this might be the silliest thing I've heard of in my life. Seriously, are we at a point, in our society, where we need to base our purchases on whether we will or will not be "rewarded" by a credit card company. And, who decides which categories are "good" and which are "bad"? They do? Ridiculous. Live on a budget, but what you need, have a little fun, pay your bills, save for the future, and work hard. Ignore this fluff. Luddites rule! :) Honest to goodness, this might be the silliest thing I’ve heard of in my life. Seriously, are we at a point, in our society, where we need to base our purchases on whether we will or will not be “rewarded” by a credit card company. And, who decides which categories are “good” and which are “bad”? They do? Ridiculous. Live on a budget, but what you need, have a little fun, pay your bills, save for the future, and work hard. Ignore this fluff.
Luddites rule! :)

]]> By: via Facebook http://www.consumerismcommentary.com/2009/03/09/citibank-offers-citi-forward-credit-card-rewarding-users-for-good-habits/#comment-190083 via Facebook Mon, 09 Mar 2009 23:06:00 +0000 http://www.consumerismcommentary.com/?p=5536#comment-190083 <a href="http://www.facebook.com/profile.php?id=24403441"><img src="http://profile.ak.facebook.com/v222/1339/71/q24403441_275.jpg" alt="" class="feed_comment_pic" /></a></div><div class="wallcontent" id="comment_box_81578394304_81578394304_1017541" ><div class="wallfrom"><a onclick="remove_feed_comment_dialog("81578394304", "81578394304", 1017541, "564671965", 2, 14, "", "437f7bbcd7e24ebf"); return false;" class="x_to_hide" title="Click here to remove this comment"> </a><span class="wallmeta"></span><a href="http://www.facebook.com/profile.php?id=24403441">Stephanie Collins</a><span class="wallmeta"> at 7:06pm March 9</span></div><div class="walltext"><div id="text_expose_id_49b6d120e8ba36852984029" class="wall_actual_text">How are those "responsible" categories? I can somewhat see the argument for books, but... I just don't get it.<br /><br />Although, I guess it's not a bad credit card for young people. It's just sort of silly.</div></div></div></div></div><div class="wallpost comment_error_target" id="feed_comments_error_81578394304_81578394304" ></div><form method="post" action="/minifeed.php" name="add_comment_81578394304_81578394304" id="add_comment_81578394304_81578394304"><input type="hidden" name="charset_test" value="€,´,€,´,水,Д,Є" /><input type="hidden" id="post_form_id" name="post_form_id" value="ff168ca9c50cdbcd6f2a94981ba81a3a" /><div id="comments_add_81578394304_81578394304" class="wallpost comment_add_row"><div class="comments_add_box"><div class="wallcommentbox clearfix" id="add_comment_wrapper_81578394304_81578394304"><textarea cols="30" rows="2" onfocus="feed_comment_show_add_button("81578394304", "81578394304", 2);if(!this._has_control){new TextAreaControl(this).setMaxLength(1000).setPlaceholderText(this.value).setAutogrow(true).onfocus();this._has_control=true}" title="Write a comment..." style="overflow:hidden;" class="DOMControl_placeholder" 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 Stephanie Collins at 7:06pm March 9
How are those "responsible" categories? I can somewhat see the argument for books, but… I just don't get it.

Although, I guess it's not a bad credit card for young people. It's just sort of silly.

Tag people in this note

In this note

No one.
]]> By: Craig http://www.consumerismcommentary.com/2009/03/09/citibank-offers-citi-forward-credit-card-rewarding-users-for-good-habits/#comment-190028 Craig Mon, 09 Mar 2009 19:57:42 +0000 http://www.consumerismcommentary.com/?p=5536#comment-190028 Sounds like a card I should get belonging to Citibank and being good with my credit card. Like you mention the points are basically meaningless because their value is so low. I agree that they should reward by paying in full, or the points should be worth more. Sounds like a card I should get belonging to Citibank and being good with my credit card. Like you mention the points are basically meaningless because their value is so low. I agree that they should reward by paying in full, or the points should be worth more.

]]> By: Andrew http://www.consumerismcommentary.com/2009/03/09/citibank-offers-citi-forward-credit-card-rewarding-users-for-good-habits/#comment-190023 Andrew Mon, 09 Mar 2009 17:35:19 +0000 http://www.consumerismcommentary.com/?p=5536#comment-190023 I agree with Steve, I just signed up for an AMEX Blue Cash card because Citi completely nerfed their reward system. No rewards on gas and groceries anymore. I agree with Steve, I just signed up for an AMEX Blue Cash card because Citi completely nerfed their reward system. No rewards on gas and groceries anymore.

]]> By: Steve http://www.consumerismcommentary.com/2009/03/09/citibank-offers-citi-forward-credit-card-rewarding-users-for-good-habits/#comment-190017 Steve Mon, 09 Mar 2009 15:42:59 +0000 http://www.consumerismcommentary.com/?p=5536#comment-190017 "Responsible" categories is such a joke. They don't even include the standard bonus categories, which actually would be responsible - gas stations, grocery stores, and drug stores. This is nothing but a gimmick. The problem is that responsible behavior has its own reward (in the form of less debt, less interest, less spending on frivolous music & restaurant purchases), and as such, it is unprofitable for the cc companies. So they can't really afford to offer a product that truly rewards such behavior. “Responsible” categories is such a joke. They don’t even include the standard bonus categories, which actually would be responsible – gas stations, grocery stores, and drug stores. This is nothing but a gimmick. The problem is that responsible behavior has its own reward (in the form of less debt, less interest, less spending on frivolous music & restaurant purchases), and as such, it is unprofitable for the cc companies. So they can’t really afford to offer a product that truly rewards such behavior.

]]> By: Squawkfox http://www.consumerismcommentary.com/2009/03/09/citibank-offers-citi-forward-credit-card-rewarding-users-for-good-habits/#comment-190016 Squawkfox Mon, 09 Mar 2009 15:36:59 +0000 http://www.consumerismcommentary.com/?p=5536#comment-190016 I think the 29.99% interest rate says it all there - OUCH! I think the 29.99% interest rate says it all there – OUCH!

]]> By: tom http://www.consumerismcommentary.com/2009/03/09/citibank-offers-citi-forward-credit-card-rewarding-users-for-good-habits/#comment-190011 tom Mon, 09 Mar 2009 13:01:17 +0000 http://www.consumerismcommentary.com/?p=5536#comment-190011 The Thank You Network used to be much better. Points and cents used to be one-to-one, they used to have a fixed price flight option - 20,000 points for a ticket up to a $400 value. They got rid of the fixed price flight option, and you have to spend point on a $100-$500 gift card in order to get the one-to-one relationship. The Thank You Network used to be much better. Points and cents used to be one-to-one, they used to have a fixed price flight option – 20,000 points for a ticket up to a $400 value.

They got rid of the fixed price flight option, and you have to spend point on a $100-$500 gift card in order to get the one-to-one relationship.

]]>