$#@! CitiBank credit cards

[AkumaX]

Originally posted by: RossMAN

Originally posted by: ThaPerculator
Whoa... didn't know you could up your credit online. Just did it and my credit limit went up $1k. Kewlness.

As much as I hate citigroup, I get a higher cash-back than with my discover card. Until someone offers me a card with a higher cash back rate, i'm using the citi.

Cool isn't it?

I think we'll wait for her next cc statement to print and see what the (new) APR is.

It's her own damn fault, I'll see if she will sign up for the ACH payment system where they deduct at least the min pymt every month.

so she was getting 0% then, right? do what i did when i forgot, by accident :

call them up, and sign up for credit protector fee. my bill was due on the 10th, i called and made a payment on the 10th (will register payment on the 12th), but they wont take into account the late payment (yes, they WILL know) until the 15th. at the same time, i had credit protector activated, and on the 15th, when they should adjust your apr, they saw that i had credit protector, so it was okay. then you can cancel credit protector after a month (the fee is $.69 for every $100). it saved my life, at least

Originally posted by: Skoorb

Originally posted by: VictorLazlo
Citi will approve a credit limit increase automatically, every six months. Just log in and click the button and you are done. I got my first citicard a few years ago with a $500 limit. Every six months I click that button. Now I'm at $5200.

p.s. they don't pull your credit report for this either.

Neat I've never done the manual requeston mbna as they raise mine about $500 every 4 months. Up to $5800 now

cool i just got $800 more , no credit report filed

 

[cpals]

What is wrong with Capital One? I have them, but I never keep a balance on it...

 

[T2T III]

Originally posted by: cpals
What is wrong with Capital One? I have them, but I never keep a balance on it...

I'm not sure either what the complaint is. I've had a Capital One Platinum card for several years now. Never had any problems with this company.

 

[CChaos]

Lol. I work for this evil empire! I liken it to that classic political cartoon I remember from my Social Studies books growing up. You know, the one about monopolies, where Standard Oil is a big octopus. That's how I see us. My employee rate is prime + 1% so it was 5.4% last I checked. Oh and my limit is $25,000 and I never requested any increases. That has more to do with me being a charging machine in my younger years than an employee but I never missed a payment, even when they were just minimums : ) I just payed off my finance charge from last month so my balance is 0. God I hope it stays that way for a long time, but at 5% or so I can't complain.

EDIT:The OP might have helped his sister's credit score. If she's got a balance, her balance/avialable credit ratio just went a little lower!

EDIT v.2: I say Oh alot...

 

[RossMAN]

Originally posted by: Ranger X
Why do you want a 20k limit? There is nothing wrong with CitiBank for not offering you a ridiculous credit line.
Mine is 5000 or 7500 and I've been with CitiBank for awhile.

Hehe sorry I was just joking, I would be in SERIOUS TROUBLE if they did give me $20k.

$5k + $2k is more than adequate besides I need to concentrate on reducing debt not increasing it (easier said than done).

 

[catnap1972]

Originally posted by: VictorLazlo
Citi will approve a credit limit increase automatically, every six months. Just log in and click the button and you are done. I got my first citicard a few years ago with a $500 limit. Every six months I click that button. Now I'm at $5200.

p.s. they don't pull your credit report for this either.

Actually on many of their accounts, it's six months after you've had the card then every three months after. I should be able to hit them up for another increase next week.

(and they don't pull an inquiry on your credit report unless you fill out the "increase my limit" form)

 

[Rent]

Originally posted by: RossMAN

Originally posted by: Ranger X
Why do you want a 20k limit? There is nothing wrong with CitiBank for not offering you a ridiculous credit line.
Mine is 5000 or 7500 and I've been with CitiBank for awhile.

Hehe sorry I was just joking, I would be in SERIOUS TROUBLE if they did give me $20k.

$5k + $2k is more than adequate besides I need to concentrate on reducing debt not increasing it (easier said than done).

Just for fun, I decided to see if they'd raise my limit

+1500 to my limit

/laughs at RossMan

 

[FuZoR]

lol i went over my citi college CC, got worried about overcharges or whatever.. so i go online and i see "Increase credit line" im like hmm.. click.. approved whoa! hahaha.

 

[RossMAN]

Originally posted by: FuZioN
lol i went over my citi college CC, got worried about overcharges or whatever.. so i go online and i see "Increase credit line" im like hmm.. click.. approved whoa! hahaha.

Awesome, what's your old and new limit?

 

[aphex]

Does clicking credit request increase effect your credit at all?

I.E. i have a Blue Cash with a 2,500 limit and have always wanted to click that button... Can it hurt?

 

[RossMAN]

Originally posted by: aphex
Does clicking credit request increase effect your credit at all?

I.E. i have a Blue Cash with a 2,500 limit and have always wanted to click that button... Can it hurt?

No and that's what I love about it.

If you are approved for an IMMEDIATE credit line increase it will offer it to you. You can either accept or decline the credit increase.

Otherwise you will see the standard screen which asks for your salary, etc.

 

[aphex]

Originally posted by: RossMAN

Originally posted by: aphex
Does clicking credit request increase effect your credit at all?

I.E. i have a Blue Cash with a 2,500 limit and have always wanted to click that button... Can it hurt?

No and that's what I love about it.

If you are approved for an IMMEDIATE credit line increase it will offer it to you. You can either accept or decline the credit increase.

Otherwise you will see the standard screen which asks for your salary, etc.

So if i get denied for the immediate increase, i can just exit and not worry about it? Thats pretty cool... I guess if it cant hurt i might as well click it

 

[RossMAN]

Originally posted by: aphex

Originally posted by: RossMAN

Originally posted by: aphex
Does clicking credit request increase effect your credit at all?

I.E. i have a Blue Cash with a 2,500 limit and have always wanted to click that button... Can it hurt?

No and that's what I love about it.

If you are approved for an IMMEDIATE credit line increase it will offer it to you. You can either accept or decline the credit increase.

Otherwise you will see the standard screen which asks for your salary, etc.

So if i get denied for the immediate increase, i can just exit and not worry about it? Thats pretty cool... I guess if it cant hurt i might as well click it

Again that's the beauty of it ... if you are NOT immediately offered an increase, DO NOT REQUEST ONE (otherwise you will be sent a decline letter).

Give it a shot, lemme know what the decision is.

 

[EXman]

Capital One is the slime of the earth.

AMEN!!!!!

$29 late fees that sneak up on youy as they lose your payment for a day.... Bastards!

 

[aphex]

Originally posted by: RossMAN

Originally posted by: aphex

Originally posted by: RossMAN

Originally posted by: aphex
Does clicking credit request increase effect your credit at all?

I.E. i have a Blue Cash with a 2,500 limit and have always wanted to click that button... Can it hurt?

No and that's what I love about it.

If you are approved for an IMMEDIATE credit line increase it will offer it to you. You can either accept or decline the credit increase.

Otherwise you will see the standard screen which asks for your salary, etc.

So if i get denied for the immediate increase, i can just exit and not worry about it? Thats pretty cool... I guess if it cant hurt i might as well click it

Again that's the beauty of it ... if you are NOT immediately offered an increase, DO NOT REQUEST ONE (otherwise you will be sent a decline letter).

Give it a shot, lemme know what the decision is.

Nope, not immediate.

Wanted to know how much i wanted to increase it by and how much i made... Oh well....

I've only had this particular card for 4 months now, i was using blue student before and i upgraded when i graduated.

 

[RossMAN]

Originally posted by: EXman

Capital One is the slime of the earth.

AMEN!!!!!

$29 late fees that sneak up on youy as they lose your payment for a day.... Bastards!

All cc's do that if you are just 1 day late, not just Capital One.

 

[slikmunks]

rossman... you spend a lot, right? i d0n't understand why your limit'd be that low... how old r u? i'm at 5500, not yet 22, still a college student with no job or steady income...

 

[slikmunks]

oh, and i have 2 other cc's at close to the same limit...

 

[RossMAN]

Originally posted by: slikmunks
rossman... you spend a lot, right? i d0n't understand why your limit'd be that low... how old r u? i'm at 5500, not yet 22, still a college student with no job or steady income...

Probably because I have a $15k car loan and 8 other credit cards with similiar limits

I'm 28.

 

[aphex]

Originally posted by: RossMAN

Originally posted by: slikmunks
rossman... you spend a lot, right? i d0n't understand why your limit'd be that low... how old r u? i'm at 5500, not yet 22, still a college student with no job or steady income...

Probably because I have a $15k car loan and 8 other credit cards with similiar limits

I'm 28.

Your 28?! Dear lord, i thought you were around 40-50

 

[slikmunks]

hahahahahahahaha in that case, what do you need the limit to be uped to 20k for...? u want to pay off ur car loan w/ ur cc and float the balance between ur cc's or someth?

oh... 0% on bt's until --------> some later date?

 

[FrustratedUser]

Why do you people need so much credit?
20k, WTF!

 

[flxnimprtmscl]

Originally posted by: Tiles2Tech

Originally posted by: cpals
What is wrong with Capital One? I have them, but I never keep a balance on it...

I'm not sure either what the complaint is. I've had a Capital One Platinum card for several years now. Never had any problems with this company.

I wonder also. Really, I could care less what kind of card I have. I pay my bill on time and in full every month so for the most part my CC is nothing more than a tool for purchasing online and when I don't have cash on me and that's it. *shrugs*

Btw Rossman, I had a higher limit than you when I was 19 with my CitiBank Platinum so I don't get why yours is so low.

 

[RossMAN]

Originally posted by: aphex

Originally posted by: RossMAN

Originally posted by: slikmunks
rossman... you spend a lot, right? i d0n't understand why your limit'd be that low... how old r u? i'm at 5500, not yet 22, still a college student with no job or steady income...

Probably because I have a $15k car loan and 8 other credit cards with similiar limits

I'm 28.

Your 28?! Dear lord, i thought you were around 40-50

I seriously hope you were just joking

 

[aphex]

Originally posted by: RossMAN

Originally posted by: aphex

Originally posted by: RossMAN

Originally posted by: slikmunks
rossman... you spend a lot, right? i d0n't understand why your limit'd be that low... how old r u? i'm at 5500, not yet 22, still a college student with no job or steady income...

Probably because I have a $15k car loan and 8 other credit cards with similiar limits

I'm 28.

Your 28?! Dear lord, i thought you were around 40-50

I seriously hope you were just joking

I wish i were joking too