Citi Professional Card Secrets

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Paying Off Credit Card Debt - Biggest Mistakes
Home Equity Loans to pay off credit card and other unsecured debt -

Sure, it's advertised that using a home equity loan or line of credit is an easy way to get out of those "high interest rate" credit card debts. The logic is that the home equity line of credit or refinance loan (debt consolidation loan) interest rate is lower than the interest rates you would be currently paying on yo... Read credit cards article



How to get a Bad Credit Credit Card
Checkbooks and even paying with cash is becoming less frequent as more and more people are using plastic to pay for purchases. Checkbooks are being replaced by debit cards and the use of credit cards is rising. Online shopping has helped fuel the need for a credit card. Unfortunately people with bad credit are normally not approved for a credit card. It is not hopeless, there are avenues for those... Read credit cards article



Citi Professional Card Secrets
Credit cards are now designed with the business professional in mind. The Citi Professional Card is designed for people who use a personal card for some business expenses. Not only is it very easy to get reimbursed for business expenses, but you also earn rewards.

Every month you get categorized account statements to easily separate purchases. Quarterly and annual summaries are also mailed to you. This makes it easy to see where you used your credit card.

The really unique feature of the Citi Professional Card is an Online Expense Reporting Tool. You can use your online statement to create customized reports for billing or reimbursement. This allows you to use your personal credit card for businesses expenses with confidentiality. It is no longer necessary to show your boss your entire monthly credit card statement. You simply select which purchases you would like to report and then print a professional statement.

The no fee rewards program earns you ThankYou Points. These flexible rewards points lets you earn things like: air travel, statement credit, gift cards and certificates, merchandise create your own reward. Get 3 ThankYou Points for every dollar you spend at restaurants, gas stations, on auto rentals and at certain office supply merchants. For every dollar of other purchases you get 1 ThankYou Point. Plus get 10,000 bonus ThankYou Points after your first purchase that can then be redeemed for a $100 gift card.

Another great feature of the Citi Professional Card is the extra customer service you get. You get 24/7 online access and Customer Service - just press '2' to quickly access a representative. And you get a free 24-hour Personal Business Assistant. You can get help with:

- Gathering business information
- Obtaining referrals for marketing and administrative needs
- Office management
- Hotel accomodations
- Dining arrangements
- Entertainment
- And more...

For a limited time you also get 0% APR on balance transfers for 9 months. With all these features, this credit card is perfect for business professionals. You can earn points for great rewards and keep organized at the same time.

Jeremy Biberdorf writes for http://www.gasolinecreditcards.net offering a comparison of the best gas credit cards. Apply online for a gas credit card and start saving today.

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Credit Card Jumping - Paying the Price

Having a debt and paying no interest on it seems almost too good to be true. But many consumers use their credit cards to do just that. The process is known as rate surfing or credit card jumping.

How Do I Start With Credit Card Jumping?

Many credit card companies offer preferential rates to new customers. These can take a variety of forms. Some credit cards offer long term low interest rates. Others offer a 0% rate on purchases for a fixed period, usually six months. Still others offer a 0% interest rate on balances transferred to the credit card. This last type of offer is the one that is of most interest to credit card jumpers.

All people need to do is apply for the credit card as usual. Most credit card forms, whether online or in print, have a section where applicants can write the card numbers of the cards they hold and the amounts they want to transfer. Balances can be transferred from other credit card and from store cards.

Some credit card companies also allow new applicants to transfer loan amounts by using credit card cheques. It is worth checking that such cheques also enjoy the 0% balance transfer rate. Credit card cheques are often treated as cash withdrawals and can attract a higher interest rate.

How Does Credit Card Jumping Work?

The key to successful credit card jumping is to move the outstanding balance to another credit card with a 0% rate just before the interest free period expires. This means:

- Finding a new credit card with a 0%i balance transfer rate (maybe by looking on the internet)

- Applying for the new card at least a month before you want to transfer the balance

- Transferring the money from the old card at least a week before the interest is due to be applied.

This is not a difficult strategy for anyone who is well organised. To avoid hurting their credit rating, which could lead to refusal for other cards, it is essential for card users to make at least the minimum payment each month. The payment should also be made on time.

Do Credit Card Companies Make Money From Jumpers?

They don't - or at least they didn't. Credit card jumping has cost credit card companies hundreds of thousands of pounds each year. That's why credit card companies have come up with a new way to make money from credit card jumpers. It's called the balance transfer fee. The balance transfer fee is a fee of around 2% that is applied to balance transfers. This means that credit card companies get their money up front.

This is not good news for credit card jumpers, though credit card jumping may still be worthwhile if the current interest being paid on the debt is high. Although many credit card companies apply a balance transfer fee, not all do, so it is worth shopping around. There could still be time to do some credit card jumping.




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Citi Professional Card Secrets
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