Citi Forward Card

I’ve been tempted to open the new Citi Forward credit card. This new card claims to lower apr (starts around 12%) every month by .25% for using credit wisely. They also give 100 Thank You points for paying on time and not going over the credit limit. What we like the most is they also offer 5 Thank you points for every dollar spent on food and dining purchases. If you read my Twitter updates, this would greatly benefit us. The current promotions also offers 6,000 Thank You points for opening the account and 5,000 bonus points for going paperless. It is also a Visa:



My goal for opening this new account would be to replace the PremierPass card and also keep the Citi Professional card. The wife would keep her Discover card and I’m hoping she will give up the Macy’s card.

In the future I would like to charge all our daily spending to the Citi credit cards. The only problem is that we haven’t learned how to use credit wisely. If you read my previous Discover posts you can see we are not there yet. We need to treat credit like cash and not spend lavishly with credit cards. It would be nice to pay for things in full when the bill comes due and not have to blog about feeling guilty for charging $2,200 dollars.

The ultimate goal would be to put everything on credit cards and reap all the rewards. Recently I cashed in a $25 gift card to Wal-Mart courtesy of Citi and we also have $40 in Discover Cash Back bonuses.

HS