The Sun's Financial Diary

So I called Chase this morning before I came to work about the finance charges associated with the 0% balance transfer I made back in July. The $40.49 charge was under the “Periodic Rate? category and my main questions to the CSR were what is periodic rate and why was I charged for 0% balance [...]

And no, this is not the balance transfer fees, which is another $75. The current balance transfer was made in June and will expire in December. Since I only have the balance transfer in my account, I usually don’t check the statement, assuming that as long as I pay the minimum, everything should be fine. [...]

Received in the mail tonight, starting October 13th, the new Citi Dividend Reward program works as follows: 2% cash back on purchases made at supermarket, drugstores, and gas station; 2% cash back or more at convenience stores and for electricity, gas, water supply, refuse services, excluding phone services; 1% cash back on all other purchases; [...]

The rumor is out that Citibank will terminate the 5% cashback program of its Dividend Platinum Select Cash Back Rewards credit card (When I checked the Citi’s web site today, I couldn’t even find the Dividend card.) Currently, the card gives 5% cashback on purchases made at gas stations, grocery stores, and supermarkets. Beginning in [...]

I have three Chase credit cards (the Freedom Card, Amazon Card and Sony Card), and since some time last year, I started to receive 0% balance transfer offers from all three cards at almost the same time every month. The terms however are little different from those that came with new cards. Those offers were [...]

Remember the CapitalOne commercial? While CaptialOne is not in my wallet, I do carry a couple of cards: American Express True Savings card: It’s associated with my Costco membership and I only use it at Costco, which gives me 1% rebate together with the 2% cashback I get from Costco of being an executive member. [...]