01-10-2013 07:28 AM
01-10-2013 07:52 AM
01-10-2013 02:04 PM
01-10-2013 06:24 PM
I would PC to another Citi PRoduct and keep account remain open for its aged.....You never know when they are going to come out with perfect card will fit in your wallet with rewards !!! I would keep the account for its aged also you dont have to used the card most of the time to keep them open. Maybe charge 1 2 dollars every months .
I regret closed many closed account 5 7 years ago now they about to fall off in my credit file and my score going to ding with low AAOA ;-(
Also maybe be add BCP from Amex
or Discover IT
or Penfed or NFCU.
01-10-2013 08:40 PM
I was thinking about a PC to the Thank You Preferred. From what I understand, gift cards can be had at a 1:1 ratio, which would increase the value of my Forward. Saying that, the Preferred says it has a no preset spending limit. How does Citi report these cards? Would it report a credit limit?
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.