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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