you offering to put a good word in at amex, so you can have another plant in there?
fused wrote:I would never ask someone to share trade secrets now would I? I paid the balance off on my Dividends card today and will continue to PIF until Feb 08 at which time I will ask for a CLI. Stlcards, are you leaving the credit card biz all together?
i've read that if the button returns a form it's not instant and will result in a hard pull. if it's instant it tells you how much you can have and gives you the option (cover your eyes) to choose a portion of the amount.
stlcards wrote:from what I know, that link is on everyone's online acct with Citi. Its on mine, I requested one but they denied me (and I work for them!) haha. You can call anytime and request a CLI. Sometimes when we start the request it gives an instant without a hard pull. Most of the time it is referred over to a difft dept for review which would be a hard pull.
what about reducing for going crazy and opening several accounts?
stlcards wrote:One other thing to note with CLI's with Citi. They do take your income into account. BIG TIME. When i take a request for one sometimes a button pops up that says income is not sufficent for credit line requested. So that is something to consider........ Also I know other posts have said things about companies decreasing credit lines. Well yea, I know Citi does too, when they review your credit periodically if they see a high DTI ratio or low credit score they will reduce your credit line, I see in acct notes ALL THE TIME.
"Pushing products down people's throats" is one thing I dislike about calling most credit card companies' customer service departments. I remember calling Citibank this past year, and the rep was relentless about trying to sell me a credit monitoring service. She didn't want to back down. I didn't hang up on her, but some not terribly polite slang words were running through my mind.
stlcards wrote:Thanks! Yeah I cant handle pushing products down peoples throats that they have no interest in. To keep pushing until someone hangs up on you just seems like bad customer service to me.