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Hey Guys,
I have a CITI Professional card with a fantastic rate of 8.24% APR, which is actually lower than my Navy Visa @ 8.99%. I believe it's the lowest cc rate I currently have.
Great rate but the $3,500 limit on this card has not budged. Neither has my Diamond Preferred Card at $2,600. I've had them long enough (1+ years) and both are PIF.
Not looking for another hard inquiry, espcially for a credit limit increase. I believe that's a total waste and save my inqs for new apps only,
I'm actually considering writing CITI a physical letter and mailing it.
Thoughts?
UM
Personal: American Express Platinum - NPSL | American Express Blue Cash Preferred - $15,000 | Chase Sapphire Reserve - $38,500 | Chase Amazon Prime Visa - $7,200 | Chase Freedom - $500 | Barclaycard Arrival+ - $18,600 | PenFed Platinum Rewards - $25,000 | PenFed LOC - $10,000 | Navy Federal Credit Union Platinum Visa - $25,000 | Navy Federal Credit Union LOC - $10,000 | Citi Double Cash - $12,170 | Citizens Cash Back+ - $8,650 | Citizens LOC Overdraft - $8,000 | Discover - $10,000 | Capital One Quicksilver One - $3,600 | Capital One Platinum - $750 | Valero - $600 | Dell - $3,000 | Lowes Advantage - $30,000 | Macys Amex - $25,000 | The Home Depot - $7,500 | Tourneau - $15,000
Business: American Express Business Platinum Card - NPSL | American Express Plum Card - NPSL | American Express SimplyCash Plus - $10,000 | American Express Gold Card - NPSL | Bank of America Cash Rewards - $100,000 | Capital One Spark Business - $54,000 | Chase Business Preferred - $34,000 | Chase Business Ink - $15,000 | PNC Bank Cash Rewards Visa Signature - $19,000 | PNC LOC $100,000 | BP Business Solutions - $1,500 | KeyBank Mastercard - $6,000 | Staples More Account - $3,500
Yes, go for it. How can it hurt? Be positive in the letter and tell them that the cards would be more useful to you with higher limits.
Have you tried calling, though? Maybe talking to a person on the phone could get the same results without having to wait for mail time.