Da*n that Tooth--We need a credit card! Citi?

Discussion in 'Other Credit Card Programs' started by mailbroad, Mar 31, 2012.  |  Print Topic

  1. mailbroad

    mailbroad Silver Member

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    My husband needs some dental surgery to the tune of $6,000+ or so... I think. Of course I would like to earn some points for such an amount. We won't be able to pay it off right away... unless we borrow it at a very low interest rate but I think I would rather apply for a 0% card... We could do the medical needs one, Care Credit... but what would we get out of that?! Nothing! What do people think of the Citi Thank You card? It is 10,000 bonus miles after spending $750 in the first 3 months... more like the first incision of the dentists scalpel... and you get one point per $. I know 10,000 is not a lot but this might be a plan. He could forget the whole thing and go around with a missing tooth but it is a front tooth and my mother would write us out of the will... ha ha.

    We would pay it off in less than a year... maybe faster since we are on the overtime list at the post office that is (NOT) losing $$$$$ as I type...
     
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  2. mailbroad

    mailbroad Silver Member

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    Discover with a 5% cash back may be an option. We have an old Discover account so I do not know if they will allow another.
     
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  3. julielou2
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    julielou2 Silver Member

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    Are you sure your husband doesn't need tongue surgery instead?
     
  4. FlyingBear
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    FlyingBear Silver Member

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    Discover won't give you 5% back on dental work.

    Why are you worried about points or cashback if you are not going to be able to pay back the bill right away?

    American Express Blue will give 0% for 12 months and $100 or 10,000 points, depending on the version.

    Same for Chase Freedom

    Same for Citi Forward



    Citi Simplicity and Diamond Preferred have no sign up bonus but 18 months of 0% on purchases. Citi Thank you has 15 months.
     
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  5. kyunbit
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    kyunbit Silver Member

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    Chase Freedom is a good idea. You can use the Ultimate Rewards points.
     
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  6. miles and smiles
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    miles and smiles Gold Member

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    With expenses that big, why not split the bill between two or more cards (assuming, of course, you find cards with 0% interest)?
     
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  7. dayone
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    dayone Silver Member

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    As noted, your focus should be on finding the lowest (hopefully 0%) interest rate, not maximizing rewards.

    You might also look into a dental service discount card (e.g., Careington) if you don't have insurance.
     
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  8. rharrigill
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    rharrigill Silver Member

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    If Citi Forward is an option, I believe there is an offer for 10k bonus points.
     
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  9. mailbroad

    mailbroad Silver Member

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    Dental work doesn't count as a purchase?

    Why am I worried about points? I am not "worried". I just thought that if I could bet a 0% card with some points that would be be nice. Isn't this site about points and miles?

    Thank you for your suggestions.
     
  10. mailbroad

    mailbroad Silver Member

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    Thanks.
     
  11. mailbroad

    mailbroad Silver Member

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    What?
     
  12. mailbroad

    mailbroad Silver Member

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    Thank you! That is a thought.
     
  13. mailbroad

    mailbroad Silver Member

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    I know! The cards I mentioned ARE 0%. The points are a bonus! Care Credit is a 0% medical card.
     
  14. mailbroad

    mailbroad Silver Member

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    Thank you. That might be a choice.
     
  15. FlyingBear
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    FlyingBear Silver Member

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    Which Discover card gives 5% on any purchase? Unless there is some special promotion going on, I am pretty sure you are confused on the meaning of 5% cashback.

    This site is indeed focused on miles/points, but your situation calls for 0% APR first and foremost for as long as possible. extra 6 months of 0% APR can easily outweigh $100 of signup bonus.
     
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  16. mailbroad

    mailbroad Silver Member

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    Thank you all for replying. I did not mean in my post that I would take points instead of 0%. There are some cards that have 0% and give points which were pointed out. I was wondering if anyone knew about the specific cards I mentioned. I think $6,000 is a lot of money and I figure if I might as well get a 0% card where I get something.

    Yes, we have dental insurance but it will not cover much of anything. It su*ks.
     
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  17. mailbroad

    mailbroad Silver Member

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    I know that about the 0% being the most important thing. The cards I mentioned are for 15 months! I should have said that. There is no sign up bonus. Getting points is a bonus.
     
  18. mailbroad

    mailbroad Silver Member

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    Right! 5% is just for certain categories!!!!! Duh! For me. Good thing I asked.
     
  19. FlyingBear
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    FlyingBear Silver Member

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    You did just miss the boat on the 5% quarter on Health Care expenses for Citi Diamond Preferred. Might repeat again in the future, but their calendar does not go out as far as Discover's or Chase's

    http://www.creditcardwatcher.com/cash-back-bonus-calendar-2012/
     
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  20. mailbroad

    mailbroad Silver Member

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    Thank you for making me feel bad. ha ha Maybe they will repeat it. That would be nice.

    Thanks for the Credit Watcher link.
     
  21. mailbroad

    mailbroad Silver Member

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    They are offering Home Depot and home furnishings for the next quarter.
     
  22. kyunbit
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    kyunbit Silver Member

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    Yes. that would have been dandy. But among all the cards discussed here I think Chase Freedom is the most versatile card.
     
  23. mailbroad

    mailbroad Silver Member

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    Thank you... and thinking about it... It could be an option.
     
  24. NYBanker
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    NYBanker Gold Member

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    This should be enough for two minimum spend requirements on credit cards. Get two cards...break the charge up...you could nurse this into 75k-100k miles.
     
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  25. mailbroad

    mailbroad Silver Member

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    Good idea!
     

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