Are there any good Citi cards for balance transfers?

Question

I'm looking to do a balance transfer. I have other cards, but they don't have any good offers on them, and I need a new card anyway just as a backup. I've been looking at Citi cards. What is the best one for general shopping (basic retail, groceries, gas, etc.) that is an all-around general card but that has 12 months no interest? Also, I've looked around on some websites...and I can't help but to notice that a consistently common amount of people with certain Citi cards seem to have higher credit limits than other people with different cards. I know that typing in the balance transfer info at the start can sometimes get you a little bit higher credit limit in general for the new card. Income and credit history also can affect this. I have a great credit history, and a credit score of about 750+ at least. Which Citi cards (if any, this is theoretical) start out with better/higher credit limits? Also, I'm looking for a Visa...not Mastercard.

Are there any other major companies that I'm missing? I've already got Bank of America, AmEx, and Discover already. I've had Chase (HSBC bank) in the past...they were horrible and I cancelled a long time ago. I don't know a lot about Citi. Any other good companies? I know that all usually charge a balance transfer/transaction fee for doing so, but this will save me a ton of interest in the long run.

Umm...if you don't know what you're talking about, please do not "point game" on my question. I can't stand that and will report every single person that gives some goofy and non-related opinionated answer or link to some silly credit counseling website. I am not 'in debt'...I pay my bills just fine, so I don't need "credit counseling" links and the other stuff I have seen people post in other people's questions on here.

Answer 1

I get to differ with the other response-- I've been with Citi for about a year now.  I started with them when they had a promotion going for 2.99% APR if you transfer the balance.  The APR doesn't only count towards the balance I transfered, it also counts for any purchases I make.  The best thing is, that APR stays the same for 2 years, as long as I don't miss any payments, etc.

Citi started me with a credit limit of $1600, since I was looking to transfer a balance of about $1400.  Since then, they've been periodically raising my limit and I currently have a limit of $3000.  

I have the Citi® Platinum Select® card.  While the promotional offer has changed since I signed up, the one they have right now is really good, too.  The current offer for that card is 0% APR on balance transfers and purchases for up to 12 months.  You can find that card, and their other cards, https://www.citicards.com/cards/wv/showS...

I'm sure you've already looked at it, but their website is very helpful with the details on why each card is good for what, along with the promotional offers.

If you were looking for reassurance that Citicard is a good choice-- you've got my word.  They're a wonderfully run company with great customer service.  As rude as this sounds, I was VERY relieved the one time I had to call customer service to actually speak to someone who spoke perfect english.

Answer 2

Citbank sucks.

they will lure you in with the introductory rate and send you a "letter" notifying you that thier rates have changed, just as the fine print says in their offer?no, you have to first be a member before you get the actual policy.  Part of the policy states rate changes without warning.  All of the sudden you think you have one rate and they stick you with another. They are crooks.  No wonder they lost 2.5 BILLION in one year.