Relay-Version: version B 2.10 5/3/83; site utzoo.UUCP Posting-Version: notesfiles Path: utzoo!watmath!clyde!burl!ulysses!allegra!mit-eddie!genrad!decvax!tektronix!hplabs!hp-pcd!hpfcms!bill From: bill@hpfcms.UUCP (bill) Newsgroups: net.consumers Subject: Re: Orphaned Response Message-ID: <43200001@hpfcms.UUCP> Date: Wed, 19-Jun-85 16:28:00 EDT Article-I.D.: hpfcms.43200001 Posted: Wed Jun 19 16:28:00 1985 Date-Received: Mon, 1-Jul-85 06:15:32 EDT References: <1805@ut-ngp.UUCP> Organization: Hewlett-Packard - Fort Collins, CO Lines: 27 Nf-ID: #R:ut-ngp:1805:hpfcms:43200001:37777777600:1352 Nf-From: hpfcms!bill Jun 19 12:28:00 1985 > 3) Citibank, South Dakota (?) > VISA,MC : No deposit required; > $20/year; > Get Citidollars (similar to AT&T Opp. Credits); > Annual interest rate: ? I can't add any, but I can comment on this one. The interest rate is either 18% or 21%, I'm not sure which. Also, when I first got the card, my name must somehow have gotten on everybody's mailing list. I was inundated with sweepstakes offers, catalogs (some associated with citidollars), and other mail-order outfits. Generally, I recommend this card, mainly because of all the additional services you can get through it (IRAs, CDs, investment counselling, discount buying clubs, and some others that escape me right now). I haven't made use of any of this stuff yet (nor do I plan to right now), but it's nice to have it available for comparisons when/if I find myself in the market for these services. You also have a 30-day grace period in which to pay off charges before interest starts accruing. American Express: I had one once, and I really don't know why anybody would want one. It's accepted in fewer places than either Visa or MasterCard, and it costs at least 1.5 times what the other cards do. You can probably get all you want from a Visa or MasterCard for a cheaper rate, and have the card accepted at more places at the same time. Bill Gates