"Account Protector" from sneaky credit card company

[ka jowct]

If a credit card issuer offers you a "deal", it is for their benefit, not yours. I'm very tired of receiving balance transfer offers. And the "rewards" programs are nearly always pathetic. Citibank used to offer some decent ones (one card I had in the mid-90s allowed me to accumulate points for the purchase of Apple products, another I had more recently gave cash back, 2-5% of purchases), but not anymore.