After recently reading a number of articles that suggest having more than one revolving line of credit, I decided it was about time for me to get a second credit card - not only for credit purposes, but also for backup financial security. After looking into the matter for a few minutes, I decided that I would find a card that offered me some sort of promotional APR, or other incentive to join, to make the whole process more beneficial to me. After looking around online, it became apparent that some of the best offers available in the credit card game come from Citibank, so I started the application process on their website, citicards.com.
I found the process of narrowing down which card I wanted to apply for very easy and quick. After finding a card with a 0% introductory APR for 12 months, I filled out a quick application, and expected to hear back from them by mail in a week - but I was pleasantly surprised to find that the citicard approval process is instant, and I was told that I had been approved only moments after submitting my details. In addition to an approval message, I was told what my APR would be, as well as the amount of my new credit line - now that’s what I can call instant gratification.
Secure in knowing that I had a new credit card on the way, I just had to wait for it to arrive in the mail, which it did about a week later. So, if you are looking for a quick and easy place to apply for a new credit card, and a place that has a lot of card options to choose from, definitely try out Citibank’s citicards.com.
5/5
Do you have 2-3 revolving lines of credit? Would you apply for a credit card online? Do you know of a bank or service that is better than Citibank in the credit card world?
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Ah, a topic i can relate to ;P
I like chase freedom cards for a primary spending card. As the 3% back on three top categories makes it easy to use first. They had a free $50 for sign-up and when you reach $200 you can redeem for $250. It comes in both Visa and Mastercard versions.
I believe i read that it is good to have one line from each major carrier (American Express, Discover, Visa, Mastercard). Amex and Discover are harder to use for daily purchases. Visa/Mastercard are accepted just about everywhere and was the main reason i switched away from using discover for everything.
Obsessive people might choose 5% cash back cards for specific categories and only use those for all purchases. You may need a lot of cards to hit all the categories ;) Slightly less obsessive people could use multiple chase 3%/3 cards and divvy up the categories to only have 3 categories used on each card and have all purchases get 3% back.
I’m lazy, so just use a chase freedom for everything.
Carrying two cards from different issuers is a great idea, like having a Visa/MasterCard and an American Express/Discover. Most credit cards now feature some type of reward and an introductory offer. Which card you choose should be based on your spending habits, what type of reward and which cards are accepted at those places your frequent most.
Most online applications now feature instant approval.