Citi Prestige UNBOXING + Review

[@JakeBroe]

Thanks for watching everyone! Be sure to check out my video breaking down the complete Citi Trifecta for more analysis. kzbin.info/www/bejne/mJTVlnaqiJuSfck

[@markplymale]

Before even watching my answer is no. Now I’ll watch and see what you have to say haha Edit: (After watching) yep my thoughts exactly. 4th night free is for sure the biggest perk making it a potential keeper. Answer is still a no from me. Great analysis as usual though. Solid video!

[@JakeBroe]

Thanks for the pre-watch and post-watch comment! haha, definitely an interesting card.

[@chrisvinci5417]

Much better than amex platinum now in my opinion.

[@TechCryptoNow]

Dang citi prestige!! Glad to see something on than chase and Amex for a change!! Great video!!

[@JakeBroe]

Haha, I definitely talk way too much about AmEx. I'll try and cover other cards more in the coming months!

[@jonkaptanoglu3640]

You know, not many people talk about this card, but it’s a good card. The only concerns is travel protections which some people don’t need.

[@JakeBroe]

Hey Jon! I feel like the 4th night benefit has to be used, so a person needs to be a frequent hotel stayer, but if so, then this is a great card!

[@chrisvinci5417]

Never needed travel protections in my life. How often do you get stuck? Generally the airline pays anyways

[@johnwick860]

travel protections are a must for top tier card since you will use that for travel purchases

[@kirat.8471]

I love this channel.

[@JakeBroe]

Thanks so much Kira! I appreciate the support!

[@JohnJacobGarza]

I hate this channel

[@stanlee3619]

Citi definitely has the worst customer service of all the cards I have. The app is also terrible.

[@JakeBroe]

Yeah, I have never tried their app. I've also never had to call them or use their customer service, I am just going off the horror stories from other people.

[@joshuajoe1419]

Exact opposite for me. Best customer service.

[@thinkerscorner9031]

Citi prestige is the worst. They recently screwed up my hotel reservation while I was on vacation. I had to wait forever to talk to a person and they did the bare minimum to fix the situation when I finally did. Basically, I paid them $570 to talk to a robot and get ripped off. I can get that for free with any other CC. Will be cancelling this month.

[@kevinjohnstone2911]

Their customer service is horrid but their security is on point. Use the app to text a representative your request. They respond way quicker

[@ca6vtec]

@@JakeBroe I called their reconsideration line and the convo lasted 25 seconds. Person said, reapply.

[@kevinkim271]

Perhaps if they still had complementary Admirals Club lounge access in addition to the Priority Pass ones.

[@JakeBroe]

That would be nice, Kevin! Would make it more competitive with the AmEx Platinum's expanded lounge collection.

[@jcewata]

Thanks for doing a vid on this! I come here the unique insight you provide in your content and also because alot of data is beneficial to me. It's good to hear the AF is waived for AD, I believe comments in earlier videos were speculative about it. It's a good card but to me and like you eluded to, it's not quite on par with the likes of the CSR and AMEX Platinum but not a complete avoid. Thanks for sharing with us once again!

[@JakeBroe]

You bet jcewata! It's a fun card, Citi just needs to bring back the travel benefits if they want it to be taken serious as a travel card. As for waiving the annual fee, I called them for more clarification and they don't "waive" it as a policy... their system automatically "suppresses" it because my SS# flags me in their system as a Military Lending Act beneficiary. I don't think Citi is being deliberately charitable towards active duty, I think it is just a quirk in their banking system coding to comply with the law and they aren't even doing it on purpose. Whatever though, lol. I'll take the free benefits.

[@samr6148]

Thanks for the unbox and review. I always wondered why Citi didn't appear to have a popular top tier card. It's always Amex this or Chase that despite Citi being one of the big credit card banks (at least to me). Well done!

[@JakeBroe]

Thanks for the comment Sam! The other top tier card is the US Bank Altitude Reserve. It's a good card. The problem with them is they require you to open a checking account and that checking account has maintenance fees if you don't meet certain requirements. They also love rejecting people with too many recent accounts similar to Chase. I'm taking the next 10 months off from applying and hopefully I can get that card next year.

[@rrt08]

Jake Broe US Bank has Free Checking for Veterans.

[@docsays]

Ok I definitely want this card now! Was already thinking about it before your vid.

[@JakeBroe]

Sweet! What pushed you over the edge?

[@docsays]

I always thought it was under rated and the 4th hotel night free is a big win.

[@richard1113]

Ok, so nothing really changes here, in my mind at least. CSR > AMEX Platinum > Citi Prestige. Thanks for the video Jake!

[@JakeBroe]

That is how I would rank them as well, unless for some reason you fly through airports almost monthly (business or heavy vacationer), then I would recommend the Platinum over CSR.

[@richard1113]

@@JakeBroe Yea, if I were a real frequent flyer, especially through airports with a Centurion Lounge I would definitely want AMEX Platinum!

[@stephencsoma564]

Hit the nail on the head. Travel credit good. TSA precheck good. Fourth night free good. Cell phone protection good. All things that you can easily justify the cost of card. It is just a tough card to sell though with the transfer partners. Especially at a 1:1 ratio. A pretty good card but you have better options out there.

[@JakeBroe]

Agreed! Cheers Stephen!

[@NaamWynn]

Dude that box itself is pretty awesome.

[@JakeBroe]

Yep, best card presentation I have had so far (since the wood tray from AmEx is gone). I've heard the US Bank Altitude Reserve comes in a nice box, too. lol... so silly

[@Justincredibletoys]

Hey man great video. Question, did you upgrade from the no annual fee card to that one so that you had established relationship with them?

[@JakeBroe]

I recommend just getting the Citi Doublecash first. After getting it and you want this card, wait 3 months and apply. If you qualify then you qualify. Citi is not as restrictive as Chase or Amex.

[@Justincredibletoys]

@@JakeBroe Thanks, lastly do they wave the fee for military for you?

[@ladygagarocks21]

I think this card would be good for someone who travels via road trip a couple times a year because they probably don’t care about the travel protections or priority pass but still get value get the 4th night free and use the travel credit for the hotel stay

[@JakeBroe]

Very true! As long as they are driving somewhere to spend 4 nights, that would cancel out the value of the airline flight protections.

[@UF250]

Citi also gives you $145 annual statement credit if you maintain a citigold account which you forgot to mention.

[@JakeBroe]

Ah! Thanks for letting everyone know!

[@xB1GKILLERX]

Definitely going get it free money for active duty just like CSR

[@JakeBroe]

Yes, I can confirm from Citi that the annual fee is "suppressed" because of MLA.

[@AdrianaSilva-vh6bs]

@@JakeBroe Any special instructions?

[@JakeBroe]

​@@AdrianaSilva-vh6bs , it happened automatically.

[@AdrianaSilva-vh6bs]

@@JakeBroe Ok, thanks. I'm worried because this would be my first Citi card, but I don't want to waste an inquiry on another citi card to establish a history with Citi.

[@falco6428]

After you get the sign up bonus, which card do you think you are going to use the most for lets say dining?

[@JakeBroe]

I think the 3x category on the Chase Sapphire Reserve is best because it is worth 4.5x in their booking portal. But, honestly, I am drowning in points and miles from all the cards I have opened and I can't even travel now because of the pandemic going on. I had to cancel and refund my 3 weeks trip to South Korea. Therefore, I am using the AmEx gold for 4x points and transferring all my AmEx points to my Schwab brokerage account for the equivalent of 5% cash back.

[@falco6428]

@@JakeBroe I hope we can return to Normal in the very near future. I was going to Travel as well using Chase points, but held back due to the Health Crisis. Just going for Cash back for now and playing Video Games.

[@austinbecton5341]

Hello from South Korea! (saw the Korean behind you hehe)

[@pentecostkid20]

Hey Jake! Lovin' the videos! Quick Charles Schwab question: I put enough money in my CS account but when I go to buy a stock I get a message saying I may not have enough with a checkbox. Am I missing something?

[@JakeBroe]

Is the money in your checking account or in your brokerage one account? Might be something obvious like the default to buy is 100 shares and you are trying to buy fewer than that maybe?

[@buckyjr710]

Hey Jake. Great video. Question: do you still get the fourth night free if you use the travel credit with the hotel stay? As in do you get the travel credit for the hotel stay and get the fourth night free? It may be worth it if thats the case. I am cancelling my csr at the end of the year. The transfer partners for citi are boo boo. I was thinking of getting the hilton surpass this fall. Thanks and be careful out there.

[@JakeBroe]

Hey Bucky, yes, the $250 would apply toward the booking of the room and you would still get the 4th night free. How this actually works is you pay for the 4 nights upfront, you are then refunded in a statement credit a couple weeks 1/4 the cost of the 4 consecutive night booking.

[@robertowhyte2836]

Awesome video. I’m thinking of getting the card but defiantly make a video on how to transfer to airlines when you can. 👍🏼

[@JakeBroe]

You bet Roberto! That sounds like a great video idea.

[@chucknourish7075]

Quick question, for the 4th night free perk, is it only for 4 consecutive nights in the same hotel or can you do different hotels as long as its 4 consecutive nights?

[@JakeBroe]

Hey Chuck, it has to be four consecutive nights at the same hotel.

[@chucknourish7075]

Jake Broe gotcha! Thanks man!

[@nickshortal1858]

I’m looking toward ultimately getting the double cash card; maybe, (per your recommendation on a separate video comment I made). I saw a comment on one of your videos to get this card for the sign up bonus then “downgrade” to double cash. Does downgrade consist of having your credit ran again as you apply for a new card. Also, on a separate note, when you apply for a credit card are they hard or soft inquiries? Does an inquiry appear on your credit report every time you apply for a card? I’ve heard many different opinions. I wanted to reach out for your insight. I appreciate the videos brother. Keep up the good work!

[@JakeBroe]

Hey Nick! Nope, downgrades (product changes within a family of cards) does not cause another hard inquiry or have any impact on your credit. People recommend getting the Citi Premier for it's $500 SUB and then downgrade it after a year to the DoubleCash. Some banks (like Chase and Citi) always trigger a hard inquiry when you get a new card. But some banks (like AmEx) will only give you a hard inquiry for the first card and then every card after that for them is only a soft inquiry and doesn't show up on your credit score. Cheers!

[@jakeweiskirch7950]

I have this card and the 5x on restaurants is pretty crazy to have. I think Jake should also highlight the value of the cell protect as a value in the effective annual fee as well as any world elite mastercard perks. I use lyft 5 times a month and I get a 10 credit from lyft which I Value as good as cash. I agree this is a compliment to a card that has some protection and therefore never use it to book my flights.

[@JakeBroe]

For sure Jake! The cell phone protection is amazing and the multipliers are still good. I meant to argue in the video that "worst case" this is a solid hotel keeper card that can cancel out the annual fee cost if you can use the 4th night benefit. Everything else just makes the card better.

[@jakeweiskirch7950]

Jake Broe Absolutely, this card gets a bad rep with all the citi insurance cancellations. Hotel perk is amazing and not to mention if you are Citigold its only 350 a year, not as good as active duty, but still helps

[@oldgreg315]

Glad you got around to this one Jake! What’s next?

[@JakeBroe]

I am looking to buy my first home at the beginning of 2021, so I will be going through a cooling off period. But the US Bank Altitude Reserve Card will hopefully be my next card.

[@albertcastro409]

If you have three credit cards with Citibank can you do a product change that would be good for me to look into. For this credit card 💳

[@JakeBroe]

Yes, you can product change other Citi cards (like the double cash) in to this card.

[@albertcastro409]

Thank You. I have that card. Good information. I will be watching more of your videos 👍🏻👍🏻

[@samuelirvine2017]

Jake, do you have to pay an annual fee for the Citi Prestige? I am in the military as well. Thanks for your content! Love the channel!

[@JakeBroe]

Nope! Citi waived the annual fee for me!

[@jonathaneasterling5122]

nice video, i got the Premier Jan of 19, DC Feb of 20..... debating whether to get the Prestige or the Plus this coming Feb.... If you want to collect ThankYou points though, the Premier is your go to. The 3 times points for grocery stores, gas stations is just to huge to ignore.

[@JakeBroe]

Citi has solid sign up bonuses and great earning rates! Cheers Jonathan!

[@thomask5038]

Did you have to request MLA benefits be applied? Or was it automatic like with Chase when they ran your SSN?

[@JakeBroe]

I took a chance applying for this card, because I have talked to other active duty who have told me that Citi would NOT waive the annual fee for them. SCRA specifically does not apply. I called them and they said I was automatically flagged for MLA benefits and the annual fee would be "suppressed" automatically. It's a little weird, but I am pretty sure I am good. Even if I wasn't, I would have kept the card for a year (paying the fee once) and then downgraded it to a Citi Rewards+ for no annual fee.

[@walterclark3274]

@@JakeBroe I called them before and they said I most likely wouldn't get it. What does "suppressed" mean? Is it because of the COVID stuff?

[@kwnfit]

Keeping this card no matter what. 4th night free pays for the AF, 5X dining? Hell yeah.

[@JakeBroe]

I agree Sunshine! For people who can use the 4th night free benefit because they frequently stay in hotels that long, this card is a no brainer!

[@marshallnotmathers6668]

Great video man! I'm about to apply for the card and wondering if you know of any referrals out there. possibly even a referral from you would work! lol

[@JakeBroe]

Hey Marshall! I would love to send you a referral! But Citi does not have one for this card unfortunately... It's a bummer. Great card though!

[@multimeter2859]

Did they waive the annual fee?

[@JakeBroe]

They did!

[@multimeter2859]

@@JakeBroe cool. I heard citi wasn't known for doing it.

[@albertcastro409]

Looks different than Amex but as long as it works that’s all that’s matters

[@JakeBroe]

It definitely works!

[@lewis20002000]

This us to be "the" premium card, it's lost about 40% of it's superpowers. If no one mentioned it, of cancelled benefits you could add Admiral lounge, unlimited 4th night free(even when the 4th night was the highest cost), and 3-hrs trip delay protection...just saying for the new people, it wasn't a fairly tale.

[@JakeBroe]

Yeah, this card came out of the gate strong and then Citi just blew it up. Maybe they got huge sign ups and people aren't cancelling the card, which is what they wanted all along.

[@kmb6916]

My AF is coming up on the Prestige in September so with everything going on, I'm hoping for a retention offer or something, but idk. I've gotten over 1k in value in the 1st year so we'll see.

[@JakeBroe]

If you like staying in nice hotels and use their 4th free night feature, then this card pays for itself. It's still a great card, but definitely try and get a retention offer!

[@gratefulsunli4996]

I feel to book the hotel from their site is too expensive and all most make me feel 4fh night free is not a good deal

[@Wangsta100]

Hi Jake I just signed up for Citigold for the $1500 bonus and was wondering if you have combined the benefits with the CITI cards?

[@JakeBroe]

I have not had a reason to combine my points from the Citi Doublecash over to the Citi Prestige yet. I see the ability is there, I just haven't had a reason to do that yet.

[@Wangsta100]

@@JakeBroe I just happened to stumble across this recent article which shows "Scott H" and some of the benefits of combining a Citigold account and the Citi Prestige. Might be a good read for you as well. Have a good one! thepointsguy.com/guide/citi-thankyou-rewards-underappreciated/

[@qb6570]

How many cards do you personally open in a 6 month period?

[@JakeBroe]

Depends on what your normal every day spend is. Most people should wait 2-3 months between cards. My situations is unique. I have opened way more than that because of my military status I am able to avoid all these high annual fees. What I am doing I do not recommend other people do if they have to pay all these annual fees.

[@dsanti4069]

If you break even with just 2 free night stays of let’s say $100 each . So are you keeping the card just for the multiplier ? There’s no hotel status or point multiplier . Seems like 5x restaurants is the only reason to keep it.

[@JakeBroe]

I was ignoring the multipliers kind of as a "worst case scenario" for this card in that the card pays for itself if you stay in enough hotels. Any points you earn from the multiplies on top of the hotel benefit is just extra!

[@jpanic2]

for the $250 Travel credit, can you use it as GiftCard purchases which was in the past what AMEXPLAT used to have?

[@JakeBroe]

I have not personally tried, but yes, I think this would trigger the credit if you bought Delta gift cards.

[@jpanic2]

Jake Broe I’m assuming it’s Airline Agnostic? (AmericanAirlines is what I fly)

[@dannygonxalez9011]

is the annual fee on the citi card waived for active duty with no prior relationship??

[@JakeBroe]

It was for me. But some people have had trouble with Citi Bank before, so I can't 100% guarantee it will be waived for everyone. Citi reps on the phone are not very helpful.

[@JoseFernandez-wu8pj]

I know they have discontinued this card FOR NOT AT LEAST. Had they put the X5 points on DINNING, SUPERMARKETS, GAS AND FAST FOOD I WOULD HAVE GOTTEN THIS CARD. I RESLLY DON’T CARE MUCH FOR LOUNGE OR PRIORITY PASS. WHAT MADE IT EVEN LESS APPEALING WAS THAT CITI TOOK AWAY THE TRAVEL PROTECTIONS FROM THIS CARD.

[@kjansen777]

I was surprised by credit applying to rental car. Now I will test with on base taxi. CSR has coded our taxi and credit given. Sweet during stop moment. I plan to keep this in retirement. 250 for two prepaid hotels. All points are just bonus. Will still need an insurance card in my wallet. KLM will be my airline. Get BOA KLM and then top off with chase, capital one, Amex. I think the catch all airline. They have flash sales. I’ll pair prestige with rewards plus and DC. Premier and will cancel. Citi does need to consider a portal boost and insurance. Citi is tough when overseas. Security fraud department is worst. I did get a 10k bonus when complaining I wanted to book airfare somewhere but citi claimed it was fraud.

[@JakeBroe]

Wow, you have a lot of experience with Citi and a very detailed plan. Thanks for sharing and I didn't know a car rental would trigger the credit. Awesome!

[@pablovasquez1070]

Lol. LT. That’s the Grand Mosque. Great video though!

[@JakeBroe]

Yeah, I said Grand Palace (it is in Abu Dhabi), but I meant to say the Grand Mosque in Dubai.

[@sam9242]

Plastic coated metal. Not for me. Great summary of the problems.

[@JakeBroe]

That actually might explain it. It is as heavy as the Platinum, but the coating is cheap plastic. I put duct tape to cover my name and when I pealed if off, my name came off because the lettering was cheap paint. Very bizarre material design choices for a "luxury" card by Citi.

[@mpolicebhai6023]

Do they wave the annual fee for that?

[@JakeBroe]

Wave the annual fee for who?

[@albertcastro409]

I need to look into this card in the future. Can’t now. Apply for to many cards. 😡 If I knew about this card before I would have got it

[@JakeBroe]

Always next year Albert!

[@gabrielquinto2161]

So for SCRA/MLA, I heard we have to have some sort of balance on it... true?

[@JakeBroe]

Nope, I called them to confirm, but I was automatically flagged for MLA protections because of my social security number. They told me the annual fee is "suppressed" automatically in their system.

[@Logie1371]

@@JakeBroe Can confirm being automatically flagged for MLA in the system. Got the AAdvantage Executive Elite Card last year and the first statement credited me the $450 fee for MLA.

[@jonkaptanoglu3640]

What was the credit limit on that by the way ? Curious

[@JakeBroe]

Hi Jon. $11,00 I think.

[@joeykim373]

Are you getting the annual fee waived on the citi prestige?

[@JakeBroe]

I am. But my phone calls about it with Citi have been bizarre. Their official policy is that they do not waive the fee for active duty servicemembers. If you call them and ask, they say they do not do it and it is not their policy. I got transferred through several operators and through several departments to figure out "why am I not being charged the annual fee then" and finally was told by someone it is a constraint of their computer system. The annual fee is suppressed automatically to comply with MLA law for active duty... but Citi has no policy of waiving the fee. It's sketch, which is why I don't promote this card to people because I feel like this could change at any moment.

[@JakeBroe]

Other cobranded Citi cards like the AA card do not have their annual fees waived for military. I've gotten numerous comments about that from people.

[@joeykim373]

@@JakeBroe got ya! I've heard bad things about citi in general. I was shocked to see that you were getting the annual fee waived. Glad it worked out for you 🙂🔥

[@chrisvinci5417]

I'm canceling my platinum and opening this once the US economy reopens

[@JakeBroe]

Fun! The Platinum is great for the bonus, but I find the credits to be hard to use or worthless. The broad travel credit for the Prestige and the Chase Sapphire Reserve is definitely better.

[@chrisvinci5417]

@@JakeBroe the problem is there aren't many amex lounges so the PP is all one needs

[@34skyline]

does opening all those credit card accounts decrease your credit score?

[@JakeBroe]

Yes, I lose a couple points for the hard inquiries and I get them back after 6 months to a year. My average age of credit history has gone down. But increasing my total accounts and credit limit helps. I am at a 798, which already qualifies me for the best rates on loans. I am doing fine.

[@TopnotchX4underscore]

Didn’t mention anything about MLA for military guessing it’s got an annual fee?

[@JakeBroe]

No, the annual fee is waived for military. I don't mention it in every video because only 1% of Americans qualify for that benefit.

[@Justincredibletoys]

Were you able to get the fee waived?

[@JakeBroe]

I was!

[@Justincredibletoys]

Whoya!. That is the next card I want after the Hilton aspire.

[@pattyrick99dad]

In the words of the KZbinr Flossy Carter "usual books and s*** pluck em, file em to the side"

[@JakeBroe]

Cheers!

[@richardvanfrank8114]

When I got the card in 2015 it was the best premium card bar none. Priority Pass. $450 annual fee with a $250 airline credit good for any airline purchase, including flights. Thank you points worth 1.6 cent per point for American airline bookings and 1.33 cent per point for all other airline bookings. Unlimited fourth night free reservations through the concierge, which allowed you to receive the same rate as booking with the hotel directly and status benefits. Three free rounds of golf per year. Admirals lounge access when flying American. Travel insurance as good as the CSR travel insurance with an unheard of three hour trip delay coverage. It has been one devaluation after another since then. All travel insurance gone. Golf and Admirals lounge access gone. Thank you points now only worth 1 cent per point for airline or hotel bookings. 4th night free reservations now limited to two reservations per year and must be made through the thank you portal. Higher annual fee of $495. This card is not worth the annual fee IMO.

[@albertcastro409]

For that price it should be a solid metal ! For annual fee that price

[@JakeBroe]

Hey Albert! It is solid metal. It weighs the same as the AmEx Platinum. It just has this mat finish that makes it look not metal for some reason.

[@albertcastro409]

Ok. The look 👀 could have been better. I have the CSR and I like the way it feels in the hand.

[@albertcastro409]

Nice credit score 👍🏻👍🏻

[@erickc623]

Does Citi wave the annual feed for military?

[@JakeBroe]

They are for me for the Prestige card. I can't speak for any other cards.

[@erickc623]

that's the one im looking at. thanks

[@johnwick860]

Qatar airways is a great airline partner because it has the best business class seats, but the 50k welcome bonus is too low

[@DugrozReports]

Waller's Wallet did a video comparing some travel portals and if they marked up their charges vs. Expedia, etc. Let's just say Citi didn't do well . . .

[@JakeBroe]

I made a portal comparison video two months ago between Chase and AmEx. I will be doing another one soon now that I have access to Citi.

[@Jimmy82102000]

Did they give you a large credit limit?

[@JakeBroe]

I got a $14,000 limit I believe.

[@docsays]

Jake Broe not too shabby at all

[@albertcastro409]

What credit score you need to get this card ?

[@JakeBroe]

Generally you are going to want above a 720 to be secure.

[@DevonHolly16]

If you could pick one between CSR, Platinum & Citi Prestige for "free" (AD Military) then down grade after a year or two which would you get? Spend a lot on food and will be doing 1-2 trips this year/next year. Other current cards are Freedom Unlimited & propel. Love the channel and thanks for what you do.

[@JakeBroe]

Hey Devon! No contest it would be the Chase Sapphire Reserve. Great sign up bonus worth $750 in their travel portal, you will get $300 a year in free travel credits and $60 a year in doordash credits. After you get out you can downgrade it to a no annual fee Freedom card, which is a revolving 5% cash back category card.

[@marcochan5510]

good card

[@JakeBroe]

I agree, Marco! Cheers!

[@roachtoasties]

Not worth it. With restaurants closed, aside from the McDonald's drive up, hotels closed, tourist spots closed, airlines closed, etc., etc., etc., who needs it.

[@JakeBroe]

I agree. People cannot travel right now, so applying for new cards might not be the best plan. But maybe in six months, people will find this video and it will be useful.

[@-_bigtap]

Amex Gold is showing its true power right now.

[@mtrenka9188]

Is this a master card?

[@JakeBroe]

Yes, it is a Mastercard

[@bigcee6374]

nice video

[@JakeBroe]

Thanks so much Big Cee! Have a great day!

[@jamespaul4731]

Don't get any card from Citibank. Even though with Ohio on complete shut down. They expect full payment.

[@JakeBroe]

Yes, Citi does not have the most customer friendly reputation. Good luck out there James!

[@jamespaul4731]

@@JakeBroe so you admit they are a piece of shit company?

[@chunyingli4785]

혹시 한국말 하세요? 그냥 한국말이 보이길래. 동영상 잘 보고 있어요 고마워요

[@JakeBroe]

Yes! I lived in Korea for six years and learned a lot of Korean. But I moved back to America 5 years ago and have lost a lot. Thanks for watching my video. Cheers!

[@TheDivaIsIntheDetails]

You have a very good credit score to get an interest rate that high. That was some crap. They should have given you between 15.99-17.99%

[@JakeBroe]

Yeah, Citi gives pretty high interest rates. I don't intend to ever carry a balance over, so I personally don't care. ^_^

[@martinusjr7654]

In my opinion the best thing you can do now is freeze some credit cards and just use debit,because you need to keep real life track of your spending especially if you're not working and perhaps you don't even know if you're going to have a job with this is all over .

[@225byakuya]

Wrong channel buddy... Also he's in the military, job security is not as big of a concern. Furthermore, Jake has done an outstanding amount of research when applying for these cards and has done us a great service for sharing with us. Definitely an underdog when it comes to this topic. He keeps track of his everyday spending, credit cards are only so bad for a person with the wrong mentality. I get what you mean though, it's tempting to overspend.

[@JakeBroe]

Thanks Spartan! And yes, Junjor, my job and my income is very secure in the military and I really do not spend that much money to being with (I'm a single guy trapped in a small town in North Dakota). But you are correct, for anyone that might lose their job, I do not advise they go in to credit card debt to pay their bills and maintain their standard of living. It's tempting, but ideally an emergency fund was saved and some unnecessary spending (trips or eating out maybe) can be cancelled until a new job can be secured.

[@mrshopjulius5840]

I just got this card to rebuild my credit after my bankruptcy.

[@JakeBroe]

Sweet! Never carry over a balance and spend wisely. Good luck!

[@junhyunkim6875]

LoL korean!! Hanging in the wall

[@JakeBroe]

Yep! I lived in Korea for six years.

[@thinkerscorner9031]

Citi Prestige customer service is the worst. You will pay hundreds to get an automated message and messed up reservations.

[@JakeBroe]

Yeah... Citi's customer service is pretty bad.