(Update: The below offers may have changed since time of publication. For complete offer details, check out Creditnet.com's updated list of available Citibank credit cards.)

I've been a long-time fan of the Citi ThankYou Cards. In fact, I've personally used the Premier version of the card since 2007 and have blogged many times about why the Citi ThankYou Premier card makes me smile. While the rewards program definitely isn't as lucrative as it was back in 2007, my wife and I still continue to rack up a lot of points on this card and redeem them for some pretty spectacular travel deals. For example, last year we booked $2,400 worth of tickets to the Cayman Islands for only 120,000 points through the ThankYou Network.

Dear Creditnet: I lost my job a year ago and have been unable to find full-time work ever since. I've also fallen behind on my bills during the past 6 months, which has really trashed my credit scores. I think my FICO scores are now below 600. I've heard that employers can pull credit scores when reviewing a job application. Is this true? If it is, this may be one reason I keep getting turned down for new jobs. Is there any way to avoid this?

Dear Creditnet: I have a new rewards credit card that offers 0% interest for 12 months. My plan is to transfer all my existing credit card debt to this card so I can save on interest in 2012. Do I have to make minimum payments at all during the first year, or can I just save up my money and make a one-time payment in full before the 0% interest promotion ends?

Leaps in technology generally don't obliterate older methods overnight. As you might imagine, there are often transitional developments which help to act as bridges from one generation of technology to another. We're currently seeing this take place in the auto industry as we work to move away from fossil fuels and into something more sustainable. Likewise, we're seeing a huge transition take place in the credit card industry. Soon, NFC chips will most likely replace our current standard wallets. But until that shift actually occurs, we’ll continue to see technologies like Square and Card.io become transitional players in the industry.

[ You have the dreaded double whammy on your credit reports—a charge-off and collection for the same old debt.  But how did this happen? Frankly, the whole process can be quite confusing to most consumers, which is why I've done my best to break it down into the following six simple steps.  While your situation might be a little bit different, my experience has been that 90% of the time this is exactly how it all plays out.