In a letter from Citibank:
As of February 29, 2012, Citibank, N.A. the issuer of the CITGO MasterCard and CITGO Visa, will discontinue these credit card programs. Your account will be closed on that date and you will no longer be able to use your account for purchases or other transactions. Please ensure that any companies you have authorized to bill to this account on a recurring basis are notified. You will continue to receive a monthly statement until any remaining balance is paid in full. Any rebates you have earned but have not redeemed as of February 29, 2012 will be applied as a credit on your statement in a future billing period.

The CITGO MasterCard and Citgo Visa credit card programs are being discontinued but the big bank is offering an alternative. Citibank is inviting you in the letter to apply for a CITGO Plus Card. The CITGO Plus Card is more of a gas card that is not used anywhere but CITGO stations. It does come with a 10% Rebate on CITGO purchases for 60 days after the opening of the account where you can earn up to $75. Although you would be better off applying for a Freedom Card and earning back 5% this quarter and be able to shop at any gas location.

“Partnering with Zynga to develop a unique in-game experience helps us connect and engage with players and put more fun in time spent online,” said Mike Boush, vice president of e-business at Discover.

Earn 2% Cashback Bonus on up to $500 in purchases from the first day of the birthday promotion month for which you are enrolled (or the date on which you sign up, whichever is later) through the last day of that month. This will be in addition to any promotional Cashback Bonus you may earn. For Open Road cardmembers, you will earn this 2% Cashback Bonus in addition to the 2% Cashback Bonus you earn on the first $250 in gas and restaurant purchases for the month. These purchases will not count toward your total annual purchases to determine your tier level. Allow up to 5 weeks for this reward to be added to your Cashback Bonus account. See Cashback Bonus Program Terms and Conditions for further details about your reward program.

What they should have given me for my loyalty was a better credit line. My credit is excellent yet I only have a 5,000 limit with them and I recently applied for another Discover Card for a 0% Balance transfer offer which did not help at all. They told me I would have to split my old line of credit in half for $2,500 to make it even lower. A Balance transfer of $2,500 is nothing compared to what other card issuers give out.

It seems my loyalty to Discover is not doing much for my side of things. This is telling me I will use them a few months for this BT offer then cancel EVERYTHING Discover. I am not only frustrated with Discover but am insulted with my income and credit history being Excellent they cannot give me more than $5,000 limit. I get to carry around a card that looks like 1986 with the black and orange but not reap the benefits of being a long term Discover card holder?

My message to Discover card is to pay attention to your cardholders if you want to be around another 25 years. There is a reason you are the underdog it is because you barely give us a credit limit to stand on and while we are going through hard times as a country you need to step up the game. If you want to compete with the big dogs such as MasterCard and Visa you have to offer something more than UP to 1% for your loyal cardholders. You need to offer something better than a redemption level of $40 if you want cash which is worse than American Express. Your card was exciting back in 1986, but now it offers nothing to stand out from the 3% offers, 5% offers, and FULL 1% offers.

* Lower-level, sideline tickets to the game
* A sneak peek at the halftime entertainment the night before the game
* Snacks and entertainment at the pre-game Discover Tailgate
* Admission to the Game Day Fan Zone

This experience is available to Discover cardmembers with a minimum of $20 Cashback Bonus. Redeem $225 Cashback Bonus (per ticket) for this experience or apply at least $20 Cashback Bonus and pay the rest with your Discover card.

This could not be a better time to offer the 3% back on college tuition and childcare.  It is too bad they do not offer this year round but then again if you have a grandfathered-in Freedom card you may be able to get 3% back on any of the top 3 categories you use the most so this really means nothing.

This promotion is great for students, parents who have children in childcare centers, people who eat out frequently, and consumers with high heating bills this Winter.  Utilities would be better of course in the Summer when we spend the most on those heat wave electric bills.  Gas bills are normally pretty steep too though during the first few months of the year.’

Get this card while you can and start saving on these categories at three percent.   You can apply for Chase Credit Cards online or goto yourchasefreedom.com for information on how to sign up with your existing card.

Capital One sent me a 0% APR on purchases until 2011, $0 Annual Fee, and an offer for a card that will result in Double Miles for purchases for 12 Months. The bad thing is that earlier this year I was denied twice from the same bank. I was just trying to get a credit card to use for foreign purchases while traveling which is really one of the only reasons to have a Capital One card. Their rewards are good but I am pretty content with my Chase rewards.

The only downside to this offer from Capital One is that when I goto fill out the application it kept giving me errors. I had to try over ten times to get this application to be error free. This thing is picky as to dashes and what phone numbers you have listed. For instance, you cannot have your home phone number and your business phone number the same or it will come back in an error. I filled out the application a few more times trying to see where the other error came from and it said it was from the Business Tax ID where it automatically took out a number when I copied and pasted it with a dash originally. I then had to go back in and fill out the Capital One Business Platinum Credit Card application with the full set of Business tax id numbers and without the dash.

I was then approved. This will be my first Capital One Business card and I am very excited!

Some information is missing or incorrect. Please update fields to continue.

# Date of Birth is a required field
# Business Phone is a required field
# Business Phone Prefix is a required field
# Business Area Code is a required field
# Business Tax ID Number (TIN) or Employer ID Number (EIN) must be 9 digits

When searching for the credit card that fits your lifestyle you need to consider rewards versus interest rates.  The other factors in finding a credit card is your credit if you have good credit you can normally get better rewards but if your credit stinks then you better just start out with a lesser card such as the Orchard bank or Buy Right.

Most of us have average credit and should apply for that card.  A good site to compare the various cards online is here at 123 Easy Card.  This is a simple site for those card shopping before the Holiday season race begins.

Here you will find offers such as the Freedom and Sapphire cards from Chase Bank.   You may also see Citibank, American Express, Discover Card Platinum, and many others.  My favorites are the Discover and Chase cards because I dislike these annual fees that banks such as Bank of America are threatening over our heads.  Say no to annual fees and yes to rewards.

Discover now is making you wait until you get $50 in reward to get cash back instead of the $20 previous.  This is more than double the increased time to have to wait and to have to make more and more purchases which some people may have to wait years to add up the small under 1% payouts from Discover.  This is a sad change to Discover policy that recently changed.

I have been with Discover Card for over ten years now and never have they pulled a fast one on me like this.  The fact that I could go online and redeem my $20 to my account was the ONLY reason I had a Discover Card instead of a Citi ThankYou or a Chase Points card where there is much more hassle involved.

The customer service rep acted as if we could earn more in their shopping mall called ShopDiscover.  ShopDiscover is nothing more than a site where they get paid the more you buy online from the links they send you.  EVERYONE has one of these now including Chase and Bank of America Add It Up.  This service is similar to Ebates and online shopping malls with the airlines.  This is certainly not the answer to the steep increase of redemption at Discover Card.

My friends, family, and co-workers will all be in shock when they sign into their account online and find that they will no longer be able to redeem cash at $20.  Of course, there will be the $20 redemption of gift cards that no one wants for these companies that are all going out of business like Red Lobster (I mean really?).

Call Discover at 1-800-347-2683 and complain.  Get this changed now!!

There are two card offers for the MTV Visa Card from Capital One.  One is for Limited Credit and the other is for Good Credit.  I do not really see any mentions of Student card but I supposed that is saved for the Citi version MTVU card which mainly targets College students.

Give me the rewards!

• 5 points per $1 spent on entertainment like music, movies, video game rentals, and sporting events
• 2 points per $1 spent at restaurants, fast food places, and coffee shops
• 1 point per $1 on everything else
• 25 bonus points each billing period you keep your account in good standing by paying on time – These are special rewards for those who “do good” similar to Citi’s Myspace Forward Card.

The only difference in the MTV good and limited credit card is that the good credit profile’s get 0% until April 2010; after that, 16.9% variable.  The bad dudes who have limited credit get the high interest of 24.9% variable stoned into their billing statement.

The MTV credit cards have no annual fee and neither offer balance transfer fees.  There are 4 hip hoppin MTV rockin cards to choose from.

How do you get your no hassle rewards?

You may Redeem for MTV stuff, events and shows, or create your own MTV experience.  You can get gift cards from retailers,  give points to a charity,Trade points for cash and save up for your next purchase, or Fly for free on your next vacation for as few as 15,000 points.  The latest MTV rewards are always posted on the No Hassle Points^SM website, which you can access once you get your MTV Visa card.

Capital One seems to hate me they deny me every time I apply for a credit card even though I make over the required amount and have a great credit score.  They claim I apply too often.  Maybe they will let me attempt to be cool with this MTV generation Visa Card.  This card has 4 designs with one of the moon man, one all access and some other fun colored cards.