Hello. How are you?
I am Mrs. Reward Cards Freak.
I ran into your website just by chance when I was browsing for several credit card sites.

I am one of people you mention in your website who pay off their balances in full and consider credit card as merely one of the payment methods. I was very happy to run into your web site and very thankful to someone who has done so much research on all credit cards available when I was trying to find out which card can give me the best rewards to maximize the benefit of having credit cards. I totally agree with you that the credit card is a powerful financial tool for people like me. Thank you very much for sharing information on your website.

I have been receiving invitation to all kinds of credit cards application and for the last 2 years, I started paying attention to those instead of throwing them into trash. My principle has been to use only one credit card (to simplify my life) until I achieve the maximum reward and then switch to other card.
But, lately, I also started using multiple cards simultaneously per different purposes. After reading your website, I am convinced that using multiple cards for different purpose will maximize the financial return.

Until recently, I was using Chase Cash card for day-to-day spend. Chase Cash Card gave me (with promotion) $100 for the first spend and 3% cash back for the three major categories of my spend. It also gave me $50 when the reward reaches $200 and gave me $100 when the total spend reached $5000. (only for the first $5000 not thereafter.) I have already reached this goal so it is time to switch to other card and then I ran into your website.

After reading your web site, I decided to apply for two cards. One is Citi PremierPass -Elite Level with $75 membership and the other is Citi diamond preferred reward M/C. I already got both. For the first one, you spend $600 in 3 months and get 20,000 points. Within a week, this was achieved as I had anticipated spend and got 20,000 points. My family and I am frequent fliers and this card will really benefit me. Citi diamon preferred reward M/C was a replacement to my day-to-day spend Chase Cash Back card and as a promotion, I get 10,000 points for $100 spend in 3 months and get 5 points for gas/grocries/pharmacy for the first 12 months. I have Citi bank accounts and a member of ThankYou network so I qualify for the fixed points and these two cards will help me to build ThankYou points for the reward. I plan to use Citi diamond preferred reward M/C only for one year because 5 points deal will expire after one year. After that I will have to find the next option for day-to-day cash back opportunity. (PS) Before CHASE cash card, I had a green-colored Citi Cash Dividend cards and got 5% cash back for all spends for 6 months. I used this card to pay for my daughter’s college tuition and got 5% cash back in check.

I continue to get in-sight about credit card and other financial advise from your web site and will help educating my friends who don’t know much about this great tool.

Thank you and best regards,

Mrs. Reward Cards Freak