Friday, April 16, 2010

Citi Balance Transfer

This morning I received a new balance transfer offer from Citi. This latest offer includes a 1.99% interest for 1 year and only a 3% balance transfer fee:



It appears that the transfer options have changed, it looks like you can't get the cash and use it anyway way you want. It was nice in the past to be able to have the cash right away using direct deposit and use it however you wanted.

1.99% with a 3% transfer fee is not bad deal if you desperately need to reduce your credit card balance rate. If your card is charging you 23% interest on a 8,000 dollar balance, this deal might come in handy for you.

HS

Tuesday, April 13, 2010

Ipad Addiction

As some of you know, I'm a huge fan of Apple products so last weekend I went out and got a new Apple Ipad! This device is awesome. Similar to my iPhone, I'm already addicted. I no longer need to use my iPhone in the bed or living room if I want to check my email or pay bills. I can be anywhere in the house and be online. I can read books, I can watch movies or play games. I can also control all my music library and play it on my home theater system .



The bad, this device was not cheap! I spent almost $600 dollars getting this thing and of course I didn't want to use my savings so I put it on my credit card :( sorry! I promise to pay this off soon... but it was definitely worth it, it has made my life a lot easier.

HS

Friday, April 2, 2010

Discover Credit Limit

Our Discover Card credit limit has gone up by almost $2,000. I'm surprised to see this change since most credit card companies are actually cutting limits and cutting back on rewards. We've had this account for 9 years and they have never adjusted our available credit. I wonder if we did something or if they are trying to get us back in to debt:



Discover is a decent credit card, they constantly send us 10% off coupons for stores like Best Buy or restaurants like Red Lobster and Olive Garden. They also have the best cash back rewards program and great customer service. I truly can't get rid of this card, we always struggle to go the cash only route but I know I would miss my credit cards.

Even one of my previous readers, Christy once said:

"This blog should be re-named the "Ongoing Discover Card Saga Blog". ;)"

That same week another reader commented:

"Hey everyone, look at me! I make over $100,000 a year, and I'm worried about $26 in rewards!"

I think I just have some strange addiction to credit cards and their rewards, is there a credit card rehab?!

HS

Thursday, April 1, 2010

Google is Topeka!

Google became Topeka this morning! how cool! I wonder if this for a day or a permanent change!

What a great way to bring attention to a city!

Happy April Fool's day!

HS

Some Progress on Citi

Good news! We've made some progress with our Citi Forward balance. As of this morning the balance is $3,144. This is our only credit card debt right now, all others cards have a 0 balance.



I'm hoping we can finally pay this off and never it use again but I know us and I'm sure we will find something to charge. There's also things I want to buy, Apple is coming out with the new Ipad this weekend and might have to stop by the Apple store and pick one up. I also need a new laptop for the wife, her old one is making noises and the power supply overheats. Hopefully I can save for these purchases and pay cash!

HS