I am an existing Citi Plat holder with a 17.5k CL and prime+2.9. I just got this pre-approval notice for a Citi.You card that recognizes the fact that I'm an existing Citi cardholder. OK, that's clueful of them. No annual fee, rate is prime+5.99, and there's 0% BT offer for 12 months (no fee with this offer, otherwise 3% 5/50). What really turns my crank is this bizarre "Charge card" feature where new purchases aren't added into that month's revolving balance for interest purposes. See: http://www.citibank.com/us/cards/cardserv/citiyou/revol.htm This seems like a sure bet, if only for the BT offer. Does anyone know if I could combine later? I'd keep my Plat Select since it's my oldest tradeline... RM
richard, I think Citi.You is good looking card. They charged too much for the annual fee and the APR for purchases is too high (compared to other Citibankcards 9.74%). By the way, you can get Hilton Hhonors Visa Signature with no pre-set spending limit and NO ANNUAL FEE. By the way, 0% APR for purchases for first six months afterwards 12.74% APR (is lower than Citi.You). Only thing it is not smart card. Ron.
This Citi.You offer is better than what they're offering on their site. Current interest is 10.74 (prime+5.99) and there's no annual fee. Plus I'm pre-approved and there's no blank line on the app for "employer's name." That's a very good thing right now. That rate is still too high, but I think I'll jump on this and SOCK DRAWER it for a year. I'll revisit the issue again when the BT promo period is over. RM
