Comments on: Citi Forward Card Review

By: HelloKitty

HelloKitty — Tue, 04 Jan 2011 17:57:35 +0000

Dear Mr. Credit Card, thanks for your review. I am not a young college student but in fact am a wise and careful adult credit card user who pay off the card every month. My goal is to maximize the total rewards by combining the benefits of credit cards. I follow your advise to use this card as a good “supplement card” to my main reward card and use it only for things like restaurant and entertainment spending. If you spend at least $2000 annually for dining, books and movies etc, you will earn 10,000 points which give you $100 gift card. It is equal to 5% cash back. For young audience who already uses the Citi Forward Card, if you can, try to manage to use two cards, the Citi Forward Card for eating/entertainment/books and the other for “everyday purchases” such as gas and groceries. The Citi® Diamond Preferred® Rewards Card might be a good consideration for everyday purchase. You wil maximize the “ThankYou” points by using both.

By: Juls

Juls — Thu, 09 Sep 2010 19:19:40 +0000

Does anyone have a phone number to actually reach a live person with questions? My son applied for this card and has left for college but has not heard anything-we don’t even know if they received his application. Thank you

By: Jose from California

Jose from California — Mon, 23 Aug 2010 17:03:01 +0000

I’ve had this card since Citi made it available, and so far it’s been great. For me, approval wasn’t difficult, which surprised me because at the time I just started college and I didn’t have any credit. Since then they’ve bumped up my credit line by like $12,000 and lowered my APR by like 3%. I think that’s pretty good considering every other offer I get is somewhere around 20%.

Considering that credit card companies are out to make money, the rewards in the Thank You program are decent. Gift certificates are the best by far because you can get more “bang for your points”. I’ve gotten cash back too, but your points obviously don’t go as far.

Overall, if you get this card, use it where you can earn maximum points (dining, music, textbook purchases, bills, etc) and pay it off as soon as possible. I’ll keep it as long as they don’t raise the APR on me.

By: Rocio Garcia

Rocio Garcia — Tue, 13 Jul 2010 03:05:40 +0000

I just applied for the card last week and received an approval letter today, I was given a 8k credit limit. Simple as that, no hassle at all.

By: James

James — Mon, 12 Apr 2010 13:39:43 +0000

Credit pull is from EQUIFAX had to sit on hold and call 3x but is was confirmed by them directly!

By: love it

love it — Fri, 12 Feb 2010 04:42:04 +0000

I love this card so far. I’ve had it since Aug 09 and I’ve already been able to get $175 worth of gift cards from the thank you network. They also raised my credit limit $3000 within that short span.

My first card was with CapitalOne. I’d been with them for 5 years and just recently got a credit limit and they never lowered my apr, just raised it. They are unwilling to work with you on anything and they don’t just randomly raise your credit limit either. You have to threaten to close the card to get anywhere. I was a little shocked at how free Citi was when giving me a credit limit increase because of this.

Citi’s customer service could be a little better but overall, I love this card. I don’t carry balances but the apr is pretty decent for if I ever did. I highly recommend it!

By: Selene

Selene — Wed, 02 Dec 2009 02:12:31 +0000

‘Barney is stupid’ needs to revise his or her own sentence before flaming others.

Anyway, thanks for this information. It was very helpful.

By: cvang

cvang — Sun, 25 Oct 2009 18:40:11 +0000

hi, i have recieve a citibank forward credit card. i want to know that is there bank like those other banks that ripped people off and harass you with phone calls? do they have annual member fee? also, i don’t get what they mean by the APR 14.49%? how is that cover? and also how much is the monthly payment? and how do you guys pay your monthly payments i.e. by phone, checks, money order, online, etc.

can someone please help?

By: Barney is stupid

Barney is stupid — Fri, 25 Sep 2009 22:07:15 +0000

Barney Bolt should learn to construct proper english sentences before you defamates others.

By: Jason

Jason — Thu, 13 Aug 2009 14:05:28 +0000

I am a college student, and I applied for this card about a month ago. I was approved within a week with a $3500 limit…no phone calls, no extra paperwork.

Prior to this card, I had a credit card from my bank for a little over a year. My credit score was ~650 and I disclosed $5,000/yr as my income from summer jobs.

It doesn’t seem like it’s terribly difficult to get approved for this card at least in my experience, and the 11,000 points you can earn right away is a nice perk. I have already earned an additional 3000 points from eating out and buying textbooks.

My only complaint was that when trying to activate my card, they made me be on the phone for 20 minutes, insisting that I accept stupid extra services from 3rd party companies. Citi is undoubtedly desperate for its commissions, and the call reps do not take no for an answer. Very annoying.