Credit Guides And Credit Services

Those of you with a good credit score looking for a credit card that offers a cash reward program should take a look at the Citi Dividend Platinum Select Card, issued by Citibank.

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Through Citibank's Dividend Reward program, cardholders can earn 5% cash from purchases at the supermarket, and even drugstores - the essential purchases of modern living. Furthermore they can earn 1% cash rebate on all other purchases, as well as cash advances and balance transfers. The Dividend Dollars do not expire.

Why carry Credit Cards when you can use Obopay Credit cards allow people to purchase items immediately, and pay for them later. Instead of having money removed directly from a bank account, as is the case with debit cards, a credit card purchase is paid for by the credit card issuer and the credit card holder pays back the issuer in full at the end of the month, or with interest added minimal monthly payments. Also, responsible use of credit cards helps in building a good credit history, which aids in attaining loans, insurance, and other important services from financial institutions.

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But that is not all. Via the Citi Dividend Merchant Network, cardholders can earn an average of 5% cash back. Of course there is a limit to the amount of cash back that can be earned in a year, set at $300. However the amount of cash back that can be earned via the Citi Dividend Merchant Network is unlimited. When the amount of Dividend Dollars earned reaches $50, a check will be issued. That's much more enticing than redeemable goods!

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The downside to the Citi Dividend Card is that the interest rates are somewhat above average. Then there's the minimum cap of 19.99% for cash advances, so even if the Prime Rate drops you'd still have to pay a hefty interest rate for the loan. However the 12-month introductory rate of 0% plus the lack of any annual fees does give the card some of the lost sparkle back. The platinum cardholder benefits also make the rates forgivable, with benefits including $1,000,000 in travel accident insurance, among others.

The German car manufacturer has announced that it is planning to enter the UK's financial services sector by offering special credit cards.

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Overall the Citi Dividend Card is a decent cash back credit card without any serious flaws, except that minimum interest cap for cash advances. Those who spend $5,000 a year on general purchases or $1,000 from participating merchants (to earn the minimum cash back) and plan to carry no balance after the intro period will benefit from this card the most.

John Lewis Plc offers credit cards to UK customers. To find out if a credit card from John Lewis Plc is the best card for you use uSwitch.com%š credit card comparison service. This compares hundreds of credit cards to find the best deal for you. Tell us what you%™e looking for, and we%’l match your needs with the best card out there to save you money on interest payments or get you a good introductory rate.

Credit Public Service Union For more information or to apply for the Citi Dividend Card, Eric Wasselman recommends Find Credit Cards.

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