When it comes to personal finance, I absolutely support that, and I hope more companies will start to focus on this trend in the future, stop annual fees, stop gimmicks, encourage people to save and pay off on time.
Today’s theme is that Citibank’s Urban Double Cash Return Card is still skeptical. Ten years ago, it was an excellent card. When I started investigating, I was glad to see a company stepping up and trying to promote cardholders’financial responsibility, which is usually not.
The main feature of this card is that you can get 1% cash back. For some cards, you can only earn $1,000, but you get 1% of everything. When you pay on time, you get 2% which is great. I like to see a company saying we want you to pay on time. In fact, we will motivate you to do something.
I’m glad to see this happen. Cash returns accumulate. You can change it into state and credit cards or gift cards. Or you can even put it in your bank account. I’m a big fan of young people. You want some extra income, but you don’t want to pay an annual fee or participate in other programs.
You can drop your bank. It’s good to have a little income with your regular shopping trends or habits, but if you encourage more, I get 1%, but I’ll get another percentage. If I pay on time, I’m glad to meet them and encourage such a good working city.
Speaking of this, when you enter your bank account or gift card, you get a cash return, but you have to pay an annual fee, which I like to see.
Not all annual fee cards are bad, but for young people, especially if you want an income, you don’t want to worry, I have to pay any annual fees, because you won’t spend too much money on your credit card, you may spend groceries.
You have extended warranty period, you can use American Express to get similar discounts, where they can offer you ticket discounts and access certain content concerts.
You also have a city price rewind or if you buy something, they find it cheaper, they reimburse you, if you use their system online, then change cards within an average of 24 hours, and identity theft assistance.
If your ID card is stolen from your card, they will help you with all the ads for LifeLock. I like the look of the card. It looks like a special version of Oreo cookies, Halloween icing, two different colors.
I don’t know why I thought about this, but the first thing I thought about was that the site’s easy-to-navigate customer service was a little fitness, and my experience was positive, and you can see some negative comments.
My guess is that those guys made a mistake and had an axe to grind, but maybe they were right anyway, and that shouldn’t stop you from looking at the card.
Overall, I’m sure I’ll recognize this card as the only positive cash-back card for young people, and I’d like to stress that they encourage you to be responsible.