Alliant Credit Union

[scripta]

You don’t have to keep reminding us, patty, we know how much you love your Citi card.

Even though you could’ve been making 31% more cash with BofA. Or 100% more with USBank.

[pattyb53]

OK!! But I’ve been out of the loop for a spell and haven’t heard anything 31% BofA cc or the other one.
Actually probably wouldn’t have changed over anyway.
I love my CITI 2% cc…

[glitch99]

@scripta

Even though you could’ve been making

She values the lack of hoops. I tend to agree it’s best for her.

[scripta]

@pattyb53

haven’t heard anything 31% BofA cc

I didn’t say “31% BofA cc”. I said “31% more cash with BofA”. Huge difference. They’re all mentioned in the Best Reward / Cash Back Credit Cards thread.

[pattyb53]

Thanks scripta. It’s just interesting all the various ways to gaining extra income. I used to do it! Not so much anymore. Sure, I know it’s still around but takes too much effort and time. BUT if you hear of a big big deal I’m still in for it!!

[Argyll]

Too bad. I recently moved most of my savings to Everbank (4.30%) but kept the Alliant checking account and credit card. I just opened the Everbank money market checking account that pays 2.02%, 4% over $10K…

As for 2% cards I have Fidelity, NFCU, and Northwest.
Alliant has been my main card since they had their 3% for a year or so. Most of my monthly bills are paid from the Alliant Visa card. Now, I’m thinking of switching it all to Fidelity.

PS Called Alliant today (7-13) to verify the change. They start off by telling me the wonderful things they’re adding that every other card has before I could get them to mention the rewards. Sure enough, it’s 2.5% through August 31, then 1.6% starting Sept. 1.

I’m unsure which 2% card I want to use now, as I have a big balance on Fidelity because I have a 0% promo through December 31.

[scripta]

I’m thinking BofA, which I managed to avoid entirely for over two decades. They have a bunch of SUBs for new accounts: $300 checking, $600 CC (less $95 AF), $250 for $100K at MerrilEdge.

On the other hand I could get 2K each at WeBull and TradeUp with $100K and I don’t have that much to lock up everywhere, so… decisions decisions.

[pattyb53]

Where do I find the BofA offerings for new customers? Thanks

[scripta]

On the product page of each product.

[onenote]

@pattyb53

Where do I find the BofA offerings for new customers?

Go to

Bank of America - Banking, Credit Cards, Loans and Merrill Investing

You will see sign up bonus offers for credit cards. I do not see any offers for new accounts.

[pattyb53]

Yep, you’re right BofA has a lot of potential offers for new customers. Looks like close to $1k+ if you sign up for the whole batch. I’ve been hit with scams this past month and my Citi card has closed and replaced my card three times. Driving me crazy!!

[onenote]

@pattyb53

BofA has a lot of potential offers for new customers.

See this offer found by @xerty that gives you unlimited 3.125% cashback on all purchases.

Bank of America Preferred Rewards

BofA has a new promo on their unlimited rewards card, which I heard about via my Merrill broker since it also can receive the 0.75x additional rewards multiple (assuming you qualify for the top tier). The cashback is normally 1.5% (ie 2.625% with the extra 0.75x), but the promo is for the first year you get 2.0% instead of 1.5%, so an extra 0.5% (which does not get multiplied). This leads to 3.125% for the first year, and then 2.625% thereafter. There are also some smaller promo features, l…

BofA also has their fabled customized cash rewards that gives about 5.25% cashback on one category such as online shopping. IIRC it is limited to.$2500 in purchases every month.

All these require jumping through hoops see the thread of @xerty post

[scripta]

@pattyb53

I’ve been hit with scams this past month and my Citi card has closed

Are you still swiping your card / using the magnetic strip? Or are you using tap-to-pay or mobile wallet?

[pattyb53]

Yes I’m swiping the strip. But Citi fraud thinks it’s online scammers. They asked about Apple Pay. I’m afraid of charging anything now.

[zzz]

There are VERY few places that allow a swipe anymore at least where I live. Almost everywhere requires chip or tap. Maybe swiping works as a fall back.

[scanchain]

I sent a secure message to Alliant to close an account. After more than one week, there is still no response, not even to tell me if they don’t accept secure message to close an account.

[scripta]

@pattyb53

Yes I’m swiping the strip. But Citi fraud thinks it’s online scammers

When you swipe, the info on the card can get copied. Then it gets sold. Then it can be used by anyone, online or not. You should be using tap-to-pay or mobile wallet, including Apple Pay, those are safer.

[pattyb53]

Thanks . Citi has my new card in the mail. I’ll check out your suggestions and see how they work. Gotta get some security because you know how much I like charging everything…

[scripta]

@Argyll

Sure enough, it’s 2.5% through August 31, then 1.6% starting Sept. 1.

Back on topic of the Alliant nerf, I hoped to see an announcement about this on the July credit card statement, but there’s no announcement. I don’t think an advance notice is legally required for rewards changes, but some common courtesy would’ve been nice. The people who don’t follow blogs and reddit are in for a rude surprise come September.

[glitch99]

@scripta

I don’t think an advance notice is legally required for rewards changes,

I’m pretty sure a change in terms is a change in terms, and must be disclosed accordingly. However, this is Alliant - they’ll probably claim that posted a notice on the door of their branch. Or that the change was distributed at their annual meeting…