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It Lives! 3X ThankYou Points on Plastiq Payments With Citi AT&T Access More Card

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I suspected this might be the case!

My statement closed last night and I just got the PDF. I can confirm all my rent payments made through Plastiq on my last Citi AT&T Access More statement earned 3X Citi ThankYou points. Even the ones made after July 22nd.

citi plastiq 3X

3X is alive and well

The only things that didn’t earn 3X coded as utility payments… which Citi has always said will earn 1X anyway.

The other payments are coding as “Misc Government Services.”

My test payment from August 1st earned 3X and coded this way

I’m not sure what this means, but it looks like 3X is alive and well!

Citi Plastiq 3X is still around

Reader Amar confirmed on August 8th that his mortgage payment earned 3X as well.

Further, I made a rent, mortgage, and HOA payment – all earned 3X.

Interestingly, a student loan payment I made on my new Citi Diamond Preferred also coded as “Misc Government Services.”

 

Effin’ Mohela, man

I made the payment this way to avoid paying interest until 2019. But that it coded the same way leads me to believe some student loan payments will earn 3X as well. Previously, these payments coded as “Education” (which makes sense).

Somewhere along the line, the coding changed. And while I’d say to keep an eye on it, it seems 3X is good to go – for now at least.

Just wanted to share the newest data point. Let me know if it works for you, too!

Why I Got a 0% APR Card to Help Pay Down Debt

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Welp, I finally did it. Got a new credit card to help pay down my student loans.

It’s an idea I floated before. But I didn’t bite because there have always been other cards I wanted instead. Plus, I like to save or invest money instead of throwing it toward student loans.

0 apr credit cards

I hate their name. I hate how their logo has an apple in it. I hate everything about it pretty much

I’m constantly torn about taking a solid year to get rid of it, then I think… man, I could invest that. Or pay down my mortgage. Or just have it.

Ultimately, I think a hybrid approach is best: break everything down into buckets and work on each one a little at a time. Save a little, invest a little, use the rest for bills.

But I’ve decided to give myself a head start on the student loan bucket. Here’s why.

Lower principal means less interest

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