How to use your Citibank ThankYou points for a mortgage payment

Citibank ThankYou Points (TYPs) are a type of rewards point that Citibank offers on their ThankYou rewards credit cards and checking accounts.

I personally don’t value TYPs as high as the Chase Ultimate Rewards (UR) points, but they are still a form of currency and can be valuable when redeemed.  

I’ve earned quite a bit of TYPs over the last 6 months, since I was under a promotion through Citibank that gave me 5 TYP per $1 spent.

Citibank TYPs never expire, and can be used to redeem anything from gift cards, to statement credits, to cash back, to mortgage payments, student loans, electronics, toys, books, discounts off airplane tickets and much more.

Habits of people with the highest credit score

MyFico has a great article on the key habits and behaviors of individuals with FICO scores greater than 785, some of the highest scores in the nation.

Here’s a great infographic the site has posted:

Free credit score from Wells Fargo (Experian)

I’m always looking for ways to check my credit report and credit score for free.  Wells Fargo is currently offering their customers a free credit score and report from Experian.  See here for more details. 

From now until midnight November 15^th, 2012, you can walk into any Wells Fargo bank to pick up a personal access code.