Citi Dividend Platinum Select MasterCard Credit Card
Guest: jbkinn
Post subject: Citi Dividend Platinum Select MasterCard Credit Card
Posted: Sun Mar 26, 2006 11:14 am
OK. Based on information I got from this forum I applied and got online the Citi MS Rewards Card (Diamond,I think). My question is in how they calculate interest and apply it. Although there is a 20 grace period, it looks as though the interest is computed on a daily basis. It was not clear that paying within the 20 grace period the entire balance would avoid this interest charge. What do you think?
I do like the photo ID option and the ability to pay online and credit the payment the same day if done befor 5 PM. It also has what they call "virtual account numbers" which hids your actual account number when making an internet purchase.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: jbkinn
Posted: Sun Mar 26, 2006 1:32 pm
Citi® Dividend Platinum Select® MasterCard® is the correct name for the card I posted about.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: Ira
SENIOR MEMBER (Member for 2 yrs.+)
Posted: Sun Mar 26, 2006 4:03 pm
If you pay your balance IN FULL within the grace period there will be no finance charge. That's the definition of "grace period."
_________________
Do not let what you cannot do interfere with what you can do.
Ira
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: bullet875
Posted: Sun Mar 26, 2006 7:39 pm
I have that card and use it for my drgstore purchases because my prescription plan makes us pay 100% of our cost out of pocket and then refunds 90% of the cost via check within 2-3 weeks. So, with me using the 5% cash back card, I only end up paying 5% for my drugs instead of 10 and it lets me float the cost until the refund check comes. In my case this is cheaper than having a card that has a $10 copay per prescription.
I've had this card for 2 years. My interest rate is 12.24% annually so I guess the 17.00% is new for new cards only.
I think you'll like this card!
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Post subject: Citi Dividend Platinum Select MasterCard Credit Card
Posted: Sun Mar 26, 2006 11:14 am
OK. Based on information I got from this forum I applied and got online the Citi MS Rewards Card (Diamond,I think). My question is in how they calculate interest and apply it. Although there is a 20 grace period, it looks as though the interest is computed on a daily basis. It was not clear that paying within the 20 grace period the entire balance would avoid this interest charge. What do you think?
I do like the photo ID option and the ability to pay online and credit the payment the same day if done befor 5 PM. It also has what they call "virtual account numbers" which hids your actual account number when making an internet purchase.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: jbkinn
Posted: Sun Mar 26, 2006 1:32 pm
Citi® Dividend Platinum Select® MasterCard® is the correct name for the card I posted about.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: Ira
SENIOR MEMBER (Member for 2 yrs.+)
Posted: Sun Mar 26, 2006 4:03 pm
If you pay your balance IN FULL within the grace period there will be no finance charge. That's the definition of "grace period."
_________________
Do not let what you cannot do interfere with what you can do.
Ira
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: bullet875
Posted: Sun Mar 26, 2006 7:39 pm
I have that card and use it for my drgstore purchases because my prescription plan makes us pay 100% of our cost out of pocket and then refunds 90% of the cost via check within 2-3 weeks. So, with me using the 5% cash back card, I only end up paying 5% for my drugs instead of 10 and it lets me float the cost until the refund check comes. In my case this is cheaper than having a card that has a $10 copay per prescription.
I've had this card for 2 years. My interest rate is 12.24% annually so I guess the 17.00% is new for new cards only.
I think you'll like this card!
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
posted by CardRatings.com at 4:20 PM
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