www.citicards.com – Citi Credit Card Payment Online

Pay your Citi credit card online at www.citicards.com.

This site belongs to Citibank, the consumer banking division of Citigroup. Citigroup is a US-based financial company and one of the Big Four banks. During the 2008 financial crisis, Citigroup nearly went bankrupt, and had to be rescued by US taxpayers. Today, the US government owns a big stake in the bank, and millions of people do their banking with Citibank daily.

Citibank is a prolific issuer of credit cards, and millions of people have Citi cards. In order to access your Citibank credit card online, you have to first register your card at www.citicards.com. Simply click on the “New User? Register Now” link beneath the User ID and Password fields. You will then have to provide your credit card account number and your email address, as well as choose a User ID and password. Once you’ve signed up with the site, you will be able to log into your credit card account online at www.citicards.com by entering your User ID and Password in the fields provided, and then click the “Sign On” button.

Once you are logged into your account, you will arrive at the Dashboard page, which shows your current balance and your minimum payment. Before you pay your credit card bill, it is best to check that all the charges on your card are valid. To do this, click on the “Account Activity” tab, and then on “Download Statements” link. You will then be directed to a page where you can download the last statement to check the charges on your card. Up to 12 months of statements are available. The statements are downloaded in the form of pdf files, and you need a software which can read pdf files, such as Adobe Reader, in order to view your statements. Once you have checked your charges, you are ready to pay your credit card bill.

How can you make a Citi credit card payment online? To pay your card bill, you first need to link your savings or checking account to your credit card account. To do this, click on the “Pay” tab, and then on the “Add Payment Account” link. You then need to enter your bank’s routing number, and your bank account number to set up the ACH link. Once you have done that, you can pay your bill by clicking on the “Pay” tab, and then on the “Make a Payment” link. You have the option of making the minimum payment, the last statement balance, or the current balance.

If you want to make a Citi credit card payment, go to www.citicards.com.

www.GetSpicyChicken.com – FREE Spicy Chicken Biscuit Reservation |Chick-fil-A

Reserve your FREE Chick-fil-A Spicy Chicken Biscuit online at http://www.getspicychicken.com.

Www.getspicychicken.com is a web site brought to you by CFA properties, Inc., the parent company of Chick-fil-A. This web site is established for people to make reservations online to taste ChickfilA’s new spicy chicken products for FREE. For instance, in Jan. 2011, ChickfilA will add a new item: Spicy Chicken Biscuit to their breakfast menu. But before then, they are offering this menu item for free on a trial basis. The free tasting period is from Jan. 3, 2011 to Jan. 8, 2011. To take advantage of this new product promotional offer, you have to make a reservation online. The following are simple instructions on how to make a reservation for a free Spicy Chicken Biscuit.

How to reserve your FREE Chick-fil-A New Spicy Chicken Biscuit

1. Go online and visit www.getspicychicken.com, the Get Spicy Chicken website. The website will start taking reservations on Dec. 27, 2010.
2. Select the Chick-filA restaurant that you want to visit. If you have never been a Chick-fil-A restaurant in your region, you may need to find their locations near you by using the restaurant locator found on www.chick-fil-a.com, the official web site of the Chickfila restaurant. Be aware that the spicy chicken biscuit may not be available at all Chick-fil-A restaurants. Each participating store gives away a limited number of free spicy chicken biscuits to customers.
3. Like a regular restaurant online reservation, you also need specify your time of visit. When choosing your time of visit, you should choose a time slot when they serve breakfast. That is because that in the restaurants, biscuits are only served for breakfast. To check the breakfast hours at Chick-filA, you may also need to visit www.chick-fil-a.com or call your local restaurant.

Because only a limited number of free biscuits are available for customers with online reservations and reservations are on a first come, first served basis, you should reserve yours as soon as possible. Again the earliest date to make your reservation is on Monday 12/27/2010.

If you want to taste Chick-fil-A’s new product, the Spicy Chicken Biscuit, for FREE, you should make a reservation for an exclusive premiere tasting at http://www.getspicychicken.com. If you miss this free tasting opportunity, you can buy the product after Jan. 10, 2011, the date when they will add it to their breakfast menu. To learn the details of this free offer, please visit the provided link above. Enjoy your breakfast.

www.citifinancial.com – Personal Loans |CitiFinancial

To apply for personal loans from Citi Financial, visit www.citifinancial.com.

Www.citifinancial.com is the main website of Citi Financial, the Consumer Finance division of Citigroup. CitiFinancial specializes in offering retail loan products to consumers (as opposed to businesses and high net worth individuals). A wide variety of products are offered by Citi, including personal loans, student loans, and home equity loans.

There are many reasons a person would suddenly need cash. Perhaps your car broke down and you need money to repair it. Or perhaps the central air conditioning in your home is out. Or maybe you’re looking for some cash to renovate your home or to consolidate your other debts. Perhaps you’re just raising money to go on a vacation. Note however, that you cannot apply for a personal loan to start up a business (or at least you cannot state that in the loan application). This is because another branch of Citi handles business loans, and the loan officers at Citi Financial are not able to judge the chances of success of a business.

Whatever the reason for your loan, the first step is to estimate the amount of cash that you need. The more accurate you can estimate the amount you need, the less likely it is that you will over-borrow, and hence pay a larger interest than required. Citi Financial personal loans are limited to $15000. Online applications are limited to loans less than $10000. And unsecured loans are only available for loans of $5000 or below.

The next decision you have to make is whether to apply for a secured or an unsecured loan. A condition for an unsecured loan is that you are currently employed, and are able to provide proof of employment with paychecks. Unsecured loans carry a higher interest rate, and are limited to lower amounts. If you own a car or a truck, it is better to apply for a secured loan, which carries a lower interest rate, using your vehicle as collateral. If you are looking for loans above $7500, you will probably need to use your home as collateral, in effect applying for a home equity loan. Note that although secured loans carry better interest rates than unsecured loans, in the event that you are unable to repay the loan, your collateral can be repossessed by the bank.

What are the advantages of using Citi Financial? Compared to the alternatives, such as pawnshops or pay check lenders, banks usually provide a much lower interest rate, and allow a longer loan period. However, to take advantage of CitiFinancial, you need to have a relatively good credit score, and cannot have had a bankruptcy before. If you have impaired credit, you will not be able to apply for unsecured loans from Citi. You can only apply for a secured loan.

In summary, http://www.citifinancial.com allows you to apply online for personal loans from CitiFinancial.

www.JCP.com/Survey – JCPenney Customer Satisfaction Survey

Take the JCPenney Customer Satisfaction Survey online at http://www.jcp.com/survey.

To reach the web site for JCPenney Customer Survey, you should use one of these links: www.jcp.com/survey, www.talktojcpenney.com, or www.jcpsurvey.com.

This market research survey is conducted by Service Management Group (SMG). So when you arrive at the survey site, you will see the words “Powered by SMG” at the bottom right of the screen.

You can take the JCP survey in either English or Spanish. To get started, you have to enter the survey access code, which is a 22-digit number found on the survey invitation at the bottom of your JCPenney receipt. To help you locate the code, there is a sample of the receipt on the site. This access code is only valid for 7 days. This means that you have to take the JCP survey within a week after your store visit. Please be aware that JCPenney associates are not eligible for this survey.

The survey incentive is a 15% off printable JCPenney coupon which is good for your next qualified purchase within 30 days. Exclusion may apply. You may want to read the terms and conditions of the discount coupon at the JCPenney survey site (www.talktojcpenney.com). To get your JCPenney printable coupon, you have to do the survey on a computer which has a printer connected, because you have to print the coupon out directly after completing the survey.
The survey questions are easy. If you are familiar with customer satisfaction surveys, you will find them very easy to answer. Since it is not a long survey questionnaire, you can probably finish it within a couple of minutes. At the end, you have an option to provide your email address if you would like to receive JCPenney surveys, coupons or other promotional offers in the future.

After submitting all the required information, you will see the JCPenney coupon printing page where you can see the coupon redemption requirements, expiration date, terms, coupon code for online purchase at JCP.com and directions on how to redeem it. This 15% off JCPenney coupon is good for in-store, on-line and phone orders. There is a limit of one coupon per household per 30 day period. At the end of the page, you will see the instructions on how to print out your coupon. There are 3 printing options listed. But the easiest option is to click on the “print coupon” button located at the bottom of the page.

If you have been to JCPenney stores and have bought something there recently, JCPenney may like to hear your opinion on their stores. To share your shopping experience at JCPenney stores, take the JCPenney on-line survey at http://www.jcp.com/survey or http://www.jcpsurvey.com.

www.friv.com – Red Ball – Play FREE Friv Games Online

At www.friv.com, you can play many online flash games for free. There are a total of 250 free flash games on the site, laid out on a grid of icons on the home page. When you mouse-over an icon, you will see the title of the game displayed. To play the game, simply click on the icon and begin playing.

In this article, I will describe the game “Red Ball”. This is a game produced by King.com, and its icon is on the 16th column and 11th row on Friv.com right now. The object of the game is to maneuver a small red ball across obstacles to reach a red flag, which is the level objective. To move the ball, there are only 3 buttons you can use, the right arrow (or “D”) to move the ball to the right, the left arrow (or “A”) to move the ball to the left, and the up arrow (or “W”) to make the ball jump up. With these 3 simple movement keys, you can get the ball to jump across holes, speed up and down ramps, and bounce off walls. Along the way, your ball is blocked by obstacles such as holes and spikes that you have to jump across, swinging boulders that push against you, floating platforms that you have to jump on and off, and so on and so forth. Once you reach the flag that marks the level objective, the level is over and you can go onto the next level. There are nearly a hundred levels in ascending difficulty. For some of the longer levels, there is an intermediate checkpoint flag that serves as a save point for your ball. Once you have reached a checkpoint flag, if you die later in the game (say by touching a spike that causes your ball to burst, or by falling off a cliff), you will return to the last checkpoint flag.

In addition to the movement keys, there are several other utility keys that you should know about. If for some reason you want to restart from the beginning of the level, press the “R” key to restart. If you need to grab a bite, pause the game with the “P” key. Finally, if it is time to call it a night, press the “Esc” key to quit.

Despite its apparent simplicity, “Red Ball” is surprisingly addictive. If the game description piques your interest, you can try the free Flash game at http://www.friv.com.

www.wachovia.com/locator – Wachovia Bank Branches

To locate local branches of Wachovia Bank, go over to www.wachovia.com/locator.

Wachovia bank is a major bank in the United States that was acquired by Wells Fargo during the financial crisis in 2008. The two banks are a good fit, because Wells Fargo has branches mainly on the West coast of the United States, while Wachovia bank branches are mainly located on the East Coast. The combined entity thus has a geographically diverse branch base, allowing it to source for deposits in all parts of the country. In addition, the combined bank becomes more resilient to local economic downturns that affect only a small region of the country. Note however that the deposit bases of the two banks are still separate, and Wells Fargo customers cannot make deposits in Wachovia branches, and vice versa. However, Wells Fargo intends to slowly convert Wachovia branches to Wells Fargo ones, and in the future, all Wachovia customers will be customers of Wells Fargo instead, and the two deposit bases will be united under one brand.

What can you do at www.wachovia.com/locator, the bank locator website? When you surf on over to the site, you get redirected to https://www.wellsfargo.com/locator/index.jsp?user=wb. On this site, you can search for both bank branches and ATM machines. If you are looking for a place to withdraw cash or make a quick deposit, make sure to check the box adjacent to the correct bank before you search. This is because, as mentioned above, the customers of Wells Fargo and Wachovia cannot yet bank at the other bank’s branches or ATMs, although the situation should be rectified in the near future. You can narrow the search down to ATMs or branches by checking the appropriate box if desired, although there is usually little point in doing so, since you can now perform almost all banking transactions at ATMs as well as at branches, with the exception of making loan applications. If you are a Wells Fargo customer, you can also search for specific types of bank branches if you check the Wells Fargo box. For example, you can search for in-store branches, which are banks located within grocery stores, equipped with ATMs and teller windows, as well as a private meeting room for loan applications with the bank manager. If you are a high net-worth individual who is a customer of Wells Fargo Client Services, you can also search for Client Services offices which can provide you with specialized services such as investment management, brokerage, and trust and private banking services.

So, to search for either Wachovia bank branches or ATMs, go on over to www.wachovia.com/locator.

BankofAmerica.com/Home-Loans – Bank of America Home Equity Loans

When homeowners want to finance their expenses using their home equity, they will need home equity loans and/or lines of credit. For instance, sometimes they need money to pay their children’s college tuitions or to pay the bills for their home repairs. Some people who want to consolidate their credit card debts may also need these types of loans or credits.

If you are interested in the home equity loan or line of credit offered by Bank of America, you should check out the given link. This web page is on bankofamerica.com, the BOA online banking official site. On this site, you will learn the difference between a Home Equity line of credit (HELOC) and a Home Equity loan. In general, for people who like flexibility and ongoing access to funds, HELOC is the way to go; for people who need predictability and a one-time payout with fixed payments, the latter one is the best choice. They offer an online tool at the site to help visitors to compare these two loans side by side. Also the home equity calculator provided by them can help people to estimate their monthly payments and let them figure out how much they can afford.

This site provides information for both new and existing BOA customers. For new BOA clients, they can learn how to apply for Bank of America home loans. If you don’t need help, you can submit your loan application online. Otherwise you can talk to a home loan officer by calling the toll free telephone number: 1-866-436-0418. Or you can leave a message using the online contact me form and let the office call them. For existing customers, you can find BOA home loan customer service phone number and access all the other account services on this page such as locking in a fixed rate, transferring balances and requesting a line of credit increase.

To learn more information on home equity loans offered by Bank of America, check out the following link.

https://www8.bankofamerica.com/home-loans/home-equity.go

Puzzles.USAToday.com/Sudoku – USA Today Sudoku Puzzle

Do you like to play Sudoku? If so, you may want to play the USA Today Sudoku Puzzle at puzzles.usatoday.com/Sudoku.

What is Sudoku?

Sudoku is a number placement puzzle invented in Japan, and popularized by the Japanese puzzle company Nikoli in 1996. The game consists of a 9×9 grid partially filled with digits, and the objective of the game is to fill the entire grid with digits so that each column, each row, and each of the 3×3 sub-grids that compose the 9×9 grid are filled with all of the digits from 1 to 9. The game requires logical and deductive thinking, with each filled digit eliminating other candidates in its vicinity, until the game is completed through the process of elimination. A key attraction of the puzzle is that its difficulty is variable, so that there are puzzles suitable for players of all skill levels. The difficulty is both a function of how many squares are filled in at the beginning of the game, and how the filled in squares are arranged, which determines how easily the rest of the digits can be deduced.

There are many advantages to playing the Sudoku game at USA Today (http://puzzles.usatoday.com/sudoku). There is a new puzzle each day, so you always have a new puzzle to begin your day with. Each puzzle is clearly marked with a certain number of stars, which denotes the level of difficulty, so that you are able to play only the games that are just right for you. If you want, you can print out the grid so that you can complete it on paper instead of on the screen. There are, however, several advantages to playing the game on the screen instead of on paper. Firstly, there is a pencil mode, where you can hold down the shift key to make notations in pencil, which appears as a different shade of black so that you know that the entries are tentative. For novice players, there is also a hint mode, where you will be shown the possible entries for that square if you hold down the space bar key. For more advanced players, there is also a conflict eliminator, which automatically catches entries that are illegal. This is a very useful feature which prevents careless mistakes from causing you to be stuck in a dead end. Finally, you can also save and restore puzzles on the website, so that you can complete a puzzle at a leisurely pace.

So, if you are a Sudoku junkie, visit puzzles.usatoday.com/Sudoku, the USA Today Sudoku Puzzle web site for your daily Sudoku fix.