If you have further questions on how the interest gets
charged on a particular card, call your credit card company for a more thorough explanation.
You may think you're getting a good deal by getting 0 % introductory
APR on a particular card, but you may be hit by other charges instead.
If there isn't a referral
offer on a particular card at the time you check, you'll receive an «entry not recognized» pop - up window when you sign in.
American Express has a very strict policy on earning sign - up bonuses, only allowing you to earn the bonus
on a particular card once in your lifetime.
For example, if you have a 1 % cash back credit card, every $ 100 you
spend on that particular card will result in $ 1 being rebated onto your credit card balance at the end of the month.
There's no cap on the overall number of Membership Rewards points that you can collect (though you may be limited on how many bonus points you can
earn on a particular card).
American Express has one of the strictest sign - up bonus policies in the industry, restricting cardholders to earning the bonus
on a particular card only once in a lifetime.
From what I read on FT, those who sign up for ANY amex CC and do not get their bonus means you miss the
boat on that particular card since their rule is based on the PRODUCT, not whether you got a bonus on it or not, the first time you applied for it.
To answer your question about the minimum payment, I can't guarantee that this is how Citi does
it on your particular card, but several online calculators seem to use the following formula.
If you keep your credit card balances under 30 % of what the credit limit is
on a particular card, this improves your credit score substantially more and you will pay less interest each month than if you were to allow your balances to go above the 30 % mark.
You can always ask me directly here, on Twitter, or in the private MilesTalk Facebook group, if you're not sure what the best offers are
on any particular card.
This is where you'll also find the «Power Ups» menu, including the option to see all the assignments and their owners in a calendar format complete with due dates and matching schedules, as well as the option to allow your team members to «vote»
on particular cards.