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PureCaSH
Posts: 96
Registered: ‎02-01-2009
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Re: APPROVED CITI FORWARD WITH 1 MONTH CREDIT HISTORY !!!!!!!!!!!!!!!!!!!

NOOOOO ....

 

You want the largest limit possible ... TRUST ME.  If you can't trust yourself, than it might be best to lower it, otherwise, DON'T.

 

Do not decrease the limit.  Just don't use it ... Keep less than <5% on it and call it a day.


2/2/09 (Newbie): EQ: 636 -- EX: 609 -- TU: 635
8/9/10 (Current): EQ: 724 -- EX: 728 (FAKO) -- TU: 717
Established Member
newcard
Posts: 66
Registered: ‎08-13-2010
0

Re: APPROVED CITI FORWARD WITH 1 MONTH CREDIT HISTORY !!!!!!!!!!!!!!!!!!!

You right ...

i trust my self ..

My mom never trust me about money ... lol

so let it happen .. my citi with 3000 limit

i dont want to urgue with her, since she talk so loud and blah blah blah ..

but i think she right ... my paycheck so small ... just citibank account review kind of crazy .. lol, give me that kind of limit

Regular Contributor
stefanc
Posts: 220
Registered: ‎11-16-2007
0

Re: APPROVED CITI FORWARD WITH 1 MONTH CREDIT HISTORY !!!!!!!!!!!!!!!!!!!

 


PureCaSH wrote:

NOOOOO ....

 

You want the largest limit possible ... TRUST ME.  If you can't trust yourself, than it might be best to lower it, otherwise, DON'T.

 

Do not decrease the limit.  Just don't use it ... Keep less than <5% on it and call it a day.


+1 --  I add my agreement with what PureCaSh said, cut the card into little tiny pieces if you need to, but leave the CL as high as you can. Just don't use it!

 

Frequent Contributor
JagerBombs89
Posts: 406
Registered: ‎09-13-2009
0

Re: APPROVED CITI FORWARD WITH 1 MONTH CREDIT HISTORY !!!!!!!!!!!!!!!!!!!

 


newcard wrote:

talked to my mom, about this new card,

she asked me to call citibank to lower the limit to 3000.

im thinkin , i will call on monday, since if i dont call, my mom said she will call citi by herself, get trouble, ..lol, alriteee, i will call on monday since i dont want get trouble with my financial.


Is she a joint account holder?

 

Epic Contributor
Creditaddict
Posts: 22,052
Registered: ‎10-23-2007
0

Re: APPROVED CITI FORWARD WITH 1 MONTH CREDIT HISTORY !!!!!!!!!!!!!!!!!!!

I would not lower your CL, 1. for the current util you would have on the card as previously mentioned and 2. a lot of creditors base a new credit line on your current cl's, with a 7k limit, future cl;s will likely be that or higher

Fico Scores: EQ- 626 Overstck., TU 696 Walmart, EX 695 Chase (11-05-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
66 Cards and Counting :smileytongue:
Established Contributor
jefftca925
Posts: 706
Registered: ‎08-14-2008
0

Re: APPROVED CITI FORWARD WITH 1 MONTH CREDIT HISTORY !!!!!!!!!!!!!!!!!!!

 


newcard wrote:

just got my citiforward card in the mail,

cl ; 7000

cashadvance ; 2100

what the heck, i already spent 2000 online,

buy 1000 amex gift card for my mom and

1000 discover gift card for my young brother

just want to make them smile, since i always buy something cheap for them, if i got my paycheck.

i think i want to skip using this card, until i pay off the balance in 2 months.

just paid off my first premier card $156 balance, 0 balance now.

wewwww ... no more credit card for now, cause i realize that im so pooooorrrrrr ... lol


While the gesture you did for your mom and your brother is very nice and very generous, one of the important things about maintaining an excellent credit rating and financial picture for yourself is spending wisely and within your means.  You should always use your credit cards in situations that you KNOW you can pay off in 30 days unless it is an unexpected expense (like a car repair).  Many college students have practiced bad behavior with CCs by using the card like it is free money.  It's not.  It's a wonderful accomplishment that you got a CC from a prime lender with a generous CL...but you don't want to blow it right out of the gate.  I'm sure your family loves you regardless of what you spend on them.  Preventing them from worrying about your finances is an even better gift.  Just my 2 cents... but Congratulations!!

 

CCs: Chase Freedom VS 6.9k, CSP VISA Sg 7k, BofA Amex 12.5k, Discover 10.5k, US Bank Cash+ Visa Sg 12.5k, Macy's Amex 8k/1.5k, Gap Visa 10k, Best Buy 11.1k, Citi TY MC 10.8k, Citi AA Amex 6k, Nordstrom VS 10k, Amex Zync, Costco Amex 12k, BofA CR VS 17k, Amex BCP 9.5k, Amex ED 5k, Sears MC 9k, HD 7k, Target 600, Amazon 7k, US Bank MC 15k, US Airways MC 4k, NFL Visa 4k, Patelco Visa 10k, Penfed PR VS 44.6k, Chase United VS 13k, Chase Marriott VS 8k, Citi Simplicity 13.3k, PayPal MC 5k, Compass Visa 4k, WF VS 14k, FNBO Amex 14.1k, OCCU VISA 15k, TR Visa Sg 13.3k, Capital One QS Visa 11k, FRN MC 13.5k, HSN 4k, Saks WEMC 10k/4k, Chase Ink 18k, Barclay Arrival 10k, Ebates VS 8k, Orbitz VS 9k, NASA V 30k, USBk FP VS 17k
Established Member
newcard
Posts: 66
Registered: ‎08-13-2010
0

Re: APPROVED CITI FORWARD WITH 1 MONTH CREDIT HISTORY !!!!!!!!!!!!!!!!!!!

thanks everyone for the input, really appreciate ...

btw, i called citi already, my limit 3000 now !!!

fyi, i really really believe that im kinda poor right now ...lol

i dont want apply anymore credit until i got better job !! hallelujahh ...

2 credit card now, citi and first premier ...enough

may God bless all for the opinion ...


Established Member
newcard
Posts: 66
Registered: ‎08-13-2010
0

Re: APPROVED CITI FORWARD WITH 1 MONTH CREDIT HISTORY !!!!!!!!!!!!!!!!!!!

No, this is my individual account

Epic Contributor
Creditaddict
Posts: 22,052
Registered: ‎10-23-2007
0

Re: APPROVED CITI FORWARD WITH 1 MONTH CREDIT HISTORY !!!!!!!!!!!!!!!!!!!

Well this post excited me, my friend has the BBMC and no credit score yet, he applied and was instantly declined.... hmmm

Fico Scores: EQ- 626 Overstck., TU 696 Walmart, EX 695 Chase (11-05-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
66 Cards and Counting :smileytongue:
Established Member
newcard
Posts: 66
Registered: ‎08-13-2010
0

Re: APPROVED CITI FORWARD WITH 1 MONTH CREDIT HISTORY !!!!!!!!!!!!!!!!!!!

may be just my lucky day, im not instantly declined or approved, 2 days after asking to fax the paystub, very2 nice lady on the phone, seems very polite and well educated ..lol


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