Originally Posted by
CarefulBuilder14
Do you figure more people:
A: Use 4NF occasionally, or
B: Really like the TY transfer partners?
Personally, I found A more appealing than B. So to me, it would be weird to have the card and not do 4NF. But I suppose some really like TY partners, or used the event ticket protection or something.
There may also be a few less-savvy users who just figure a high AF means it's the best Citi offers...or who can't get a CSR.
most people dont know much about their credit cards. For people that do know and do their research it is A. But the average citigold client would get the card because their friendly banker told him so and he would use it and be happy redeeming their TY points for amazon gift cards. I have a friend who used 6 millions MR points to buy a car for his son :