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I have used the Citi Diamond Preferred card in the past and reading over this new offering I cannot honestly say it is significantly better or different than it was some years ago. For example: 0% for 18 months on purchases is pretty much the way most cards are these days. Most all card companies like doing mainly to entice consumers into using the card (hopefully excessively) and waiting to see if the customer forgets (or cannot pay back it all) later when the rate goes to the much higher rate (in this case between 12% and 22% APR). What rate you get will depend on what your credit scores are like. If you have never had a Citi card, most likely you will get the 22% rate since you have “little credit history with Citi.” At least that was my experience with all of them before. Citi Diamond Preferred is not a “bad card” to have. They did treat me decently when I did use it years ago. However I like other cards much better. For example the Discover IT Card offers a nice rebate system that pays me to shop. This has amounted to several hundreds of bucks paid to me over the years I have used that card. Citi in general is nothing like this generous.
My credit union is Apple FSU. They are wonderful in my opinion because they are so easy to join if you live in the area where they have a branch! They also have some really nice rates on loans and other services like insurance for the car. I even got a $50 bonus by joining and spending $25 from my new checking account (I put the 25 in and they added 50 after I did some shopping for Christmas gifts!) It was easy and in a way fun to join. Nice people, and they even have a free coin counting machine.
I had a Premier card many years ago before I knew any better. The interest is really high and there where no incentives of any kind associated with using the card. Also the credit limits they issue are generally very low (only $500 in my case.) However on the positive side, the card is granted to pretty much anyone no matter what their credit history, but watch out for the fees and interest! Pay it off totally every month if you really want this card since they are not a forgiving company like some of the current card companies I use.
I had been using Progressive for my home policy for 3 years. We have never made a claim of any kind anywhere! However, every year they raise the rates another 70 bucks or so. So, I then call them and complain and they lower the increase by about half. This year I got very sick and tired of this game and so I shopped rates all over the place. I finally settled on Travelers. I suppose time will tell if this was a good choice or not. But I can honestly tell you I was tired of Progressives “jack and cut” tactics too!
My credit union is the Pentagon Federal. I like them over the others I have tried because they always have the best deal for car loans and credit card rebates. They also offer a lot of other really great deals for things like car buying (new and used cars), home mortgage rates, CDs and checking accounts. One thing I just learned they do, and I made use of, is the Penfed Defender American Express card. It gives a whopping 1.5% cash rebate on everything I buy! It's credited directly to the statement each month (automatically too). You need to be an active military or retired military to get the card.