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Discussion in 'Credit Talk' started by dave, Feb 15, 2001.
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I just got the gold advantage card, 7k limit, I havent made a payment yet, only had it two months, and I called today and asked for 12.9, said I had been approved for MBNA card of equal credit line, with 13% APR, and told the citi rep, that I liked citi cust service better, and wanted to know if they could match, she said sure no problem, it's done 12.9 fixed cash adv/purchases.
I'm sold on citibank!
(of course I lied about the mbna thing...but who will know)
gee, I guess I just got the one rep. who was the wrong one to get in the whole place. i'm going to wait a month and try again.
Are you sure 12.9 % fixed APR for cash advance ?
please clarify. did citibank reduce your cash advance APR to 12.9 or did you mean balance transfer?
citibank offered me 6.9% for 6 months, they asked if i wanted a check ?? drawn to me, or i can give them the account number and bank name.
I just asked on a whim..
Citibank never reduces the cash advance side toward a lower interest rate.They always had a high interest rate on their cash advances.They only lower the A.P.R. on purchases,and balance transfers only.Please check you C.C. statement after your new rates changes goes into effect,and see that the cash avance remains at a 19.99 fixed rate.I am sure it is.
so the idea would be to cash advance another card, and balance transfer it if you indeed wanted a very low rate loan..