Re: Citibank Offers Citi Forward Credit Card, Rewarding Users for Good Habits

E in MD — Tue, 10 Mar 2009 15:17:07 -0000

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.

Re: Citibank Offers Citi Forward Credit Card, Rewarding Users for Good Habits

Eric — Tue, 10 Mar 2009 07:23:19 -0000

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.

Re: Citibank Offers Citi Forward Credit Card, Rewarding Users for Good Habits

NCN — Mon, 09 Mar 2009 20:11:53 -0000

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! :)

Re: Citibank Offers Citi Forward Credit Card, Rewarding Users for Good Habits

via Facebook — Mon, 09 Mar 2009 19:06:00 -0000

<img src="http://profile.ak.facebook.com/v222/1339/71/q24403441_275.jpg" alt="" class="feed_comment_pic"></img><div class="wallcontent" id="comment_box_81578394304_81578394304_1017541"></div><div class="wallfrom"> Stephanie Collins at 7:06pm March 9</div><div class="walltext"></div><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.

Although, I guess it's not a bad credit card for young people. It's just sort of silly.
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Re: Citibank Offers Citi Forward Credit Card, Rewarding Users for Good Habits

Craig — Mon, 09 Mar 2009 15:57:42 -0000

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.

Re: Citibank Offers Citi Forward Credit Card, Rewarding Users for Good Habits

Andrew — Mon, 09 Mar 2009 13:35:19 -0000

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.

Re: Citibank Offers Citi Forward Credit Card, Rewarding Users for Good Habits

Steve — Mon, 09 Mar 2009 11:42:59 -0000

"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.

Re: Citibank Offers Citi Forward Credit Card, Rewarding Users for Good Habits

Squawkfox — Mon, 09 Mar 2009 11:36:59 -0000

I think the 29.99% interest rate says it all there - OUCH!

Re: Citibank Offers Citi Forward Credit Card, Rewarding Users for Good Habits

tom — Mon, 09 Mar 2009 09:01:17 -0000

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.

Consumerism Commentary - Latest Comments in Citibank Offers Citi Forward Credit Card, Rewarding Users for Good Habits

Re: Citibank Offers Citi Forward Credit Card, Rewarding Users for Good Habits

Re: Citibank Offers Citi Forward Credit Card, Rewarding Users for Good Habits

Re: Citibank Offers Citi Forward Credit Card, Rewarding Users for Good Habits

Re: Citibank Offers Citi Forward Credit Card, Rewarding Users for Good Habits

Re: Citibank Offers Citi Forward Credit Card, Rewarding Users for Good Habits

Re: Citibank Offers Citi Forward Credit Card, Rewarding Users for Good Habits

Re: Citibank Offers Citi Forward Credit Card, Rewarding Users for Good Habits

Re: Citibank Offers Citi Forward Credit Card, Rewarding Users for Good Habits

Re: Citibank Offers Citi Forward Credit Card, Rewarding Users for Good Habits