smc733

Probably misspoke, people still have it, they actually released 5% categories for 2015, but you can't apply for it anymore. The CashReturns card SHOULD be defunct, I know that people were force converted off of it some time ago.

And another update, I called and was able to convert to a World edition of the now-defunct Dividend card. They also said there was the option to convert to Cash Returns, which has been dead quite some time. This bank is so screwed up. We'll see if this conversion goes through.

Update: And as usual, the Secure Message Center comes back with a "call us" message. I'm giving it one last call.

Who knows, I've only ever had a purchase declined on me once, a Citi MasterCard no less... ($2000 that they approved at Apple spooked them to decline a $5 slice of pizza and soda). Quite honestly, I like rewards, but I'm not a rewards chaser. I like to just spend on one Visa, but I feel its always good to have a backup (I figure MC for the oddball place that may not take Visa), as I want to never, ever use debit.

Update... Just got a response to a secure message I sent them online. Told it was forwarded and I'll hear back in 24 hours. I just await the canned response. Their service is really the worst.

Hello all, I am wondering if anyone else has experience/advice to offer on this predicament. I have 6 cards, listed below for reference: Bank of America Cash Rewards Visa Sig $10k/9.99 (6/2010) Citi Diamond Preferred MasterCard $10.2k/11.99 (10/2012) Chase Freedom Visa Sig $10k/15.24 (1/2012) (Call in to the EO about reducing the APR, given how much I spend, good luck to me though with Chase's stubbornness) Amex BCE $12.6k/10.24 (9/2011) Barclay Ring MC $5k/8.0 (4/2012) Discover IT $19k/11.99 (9/2012) (Yes, subprime Discover loves to give me $4-5k soft pull increases every few months!) Anyway, the Diamond Preferred is a good "backup" MC to keep in my wallet in case a purchase gets declined on a Visa card. I would like to have the World benefits, and mainly, I want it because there's no reason with my profile, limits, etc... for me to not have it (I had a Dividend card I closed because I got mad at Citi two years ago, which had a lower limit and was still a World card). I've seen some people meet success just requesting a World card via phone (as I did with my previous card), but this time I am having no luck. I've called the regular numbers, and even the EO & Twitter. When I find someone who even understands what I'm asking, they just start rattling off a list of annual-fee carrying airline cards I can convert to that are World cards. They've also told me you can only get offered the upgrade, which just doesn't sit right with what else I've seen. My conclusion is that Citi is pushing World/Sig away on no-AF cards, as it seems like anything without an AF (TY Preferred Visa, DP Visa, Simplicity Visa), is marketed as a regular Visa, while the AF cards are marketed as Sig cards. Does anyone have an idea as to what I can do? Can I convert to a Dividend card if it isn't offered anymore? Is there anything I could do to get this converted to a World card? Thanks, A very frustrated smc733

Exactly what I needed to know, thanks! Just called for the conversion. I think all the major players are now doing so. (Just need Citi to stop giving me a hard time about making my Diamond Preferred M/C into a World MC.

Hi All, I've heard some good news that BofA is now reporting the credit limit on Visa Signature cards. All I can find is the very recent thread on a forum about obese wallets with a few posts. Can anyone else confirm this? Thanks, SMC

Define 'additional benefit'. We could speculate all day long....... How long have you had it and how long will you have it. VA Chapter 35, I will have it until I'm done grad school (2 years), I also heavily anticipate an increase of income at my current job of 600/800 per month within the next 12-18 months. I will also be married in another year, and when she is done school, we should have another salary.

Hi All, I am in a unique situation at 22, where I can afford a house (with a 5% down FHA mortgage), and I'm strongly contemplating a condo so I can start building equity, as opposed to throwing money into rent. I found a condo that is perfect for me at $154,000, so with an average rate on a 30yr + condo fee + PMI, I could afford it comfortably, and it's barely more than a comparable place for rent. I have had credit for about 4 years now, 70k in student loans (Still deferred for grad classes, which are paid via employer), I make 3700/mo, plus an additional benefit of 740/mo... Is there any chance I could get a mortgage? If so, how is the best way to go about it? Is it a bad idea to buy a condo (a lot of people are telling me it is at my age).

Hi all, I'm looking into kicking my student loan debt as soon as possible, I have the following debts: PNC: 27k - 5.49 27k - 3.99 9k - 3.99 8k - 3.99 US Dept of Ed. (deferred, 0% interest) 5.5k 4.5k I really wanted to knock the US Dept of Ed. loans, because I can easily chip at them (since they don't accrue interest), then tackle the PNC loans, since they'll all be under one lender. Is this a bad decision?

Odd as it may be, I have always had realistic dreams. In this case, a good looking car with a nice engine and a lot of bells and whistles. I've always loved MOPAR's styling. The wind today was REALLY bad, and I was ALL over the highway. I can fit the cost of the car into my budget, too. I feel like I'm going to have to get something... The CPO 200s aren't much cheaper, either, at least not the ones with the Pentastar V6. I'm a little put off by Toyota's quality, too, at least based on this experience.

Wow! Thanks for all the replies everyone. It definitely seems like it isn't the greatest way to put money, but I'm really conflicted about having to keep driving a car that is fairly uncomfortable on the highway... The gas milage is also a concern, going from 30 to 22 MPG... I've definitely heard horror stories about Chryslers, too, and a $4k transmission just isn't in the budget. As far as the rent goes, I will be paying that for about 5-6 months until my fiancé finishes school, then it will be split evenly, so it will open up $100 a month more down the road. It's a windy day here today, I'll be driving home soon, so I will re-evaluate just how bad this problem is on that ride.

Thanks for the input, hrguy! I totally understand where you are coming from on the domestic brands, this would be my first domestic car ever. The Camrys/Accords with NAV and V6 that I want are way out of my price range (the Chrysler is about 9k cheaper). I'm definitely worried about the residual value, though. Just for curiosity's sake, what is it about the Corolla you don't like? I find the archaic 4spd auto tied to a sluggish I4 is pretty outdated. But my biggest issue is on the highway, the RPMs always feel high, and there is so much wandering, especially if there is the slightest hint of wind.

Hi All, Disclaimer, I know this is more of a credit site, but I'm hoping I can get some financially-savvy advice here So I have a car that I drive, a lot, and I'm not too satisfied with it. It's a 2011 Corolla, and while its not a terrible car, for the highway driving I do, I'd like something more grounded and with more power. Having said that.... I have student loans, to the tone of 500 a month. I bring in a little less than 3200 post-taxes, and currently play 700 for rent (will be going to 1200 when I get a new place by myself). I pay 140/mo for the Corolla now, but I found a car (my dream car), a Chrysler 200 with V6/Nav/loaded, down to the colors I love, for 9k off my trade. My insurance would increase 106 a year for this car, and gas consumption would increase, but it meets my needs for a more stable car. My question is, at 130/mo more or so for a 72 mo loan, would I be making a terrible decision to jump on it? I would plan to keep the car for 6-8 years.