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Moderator
09Lexie
Posts: 26,591
Registered: ‎09-13-2012
0

Re: CITI is like an elephant (They never forget)

I'm sure that my fellow CLs and MODS offer excellent advice and unbiased reviews as well. I tend to hang out more in the Credit Card Forum but we all float between the boards.
Valued Contributor
12njoy
Posts: 1,780
Registered: ‎09-11-2013
0

Re: CITI is like an elephant (They never forget)

@Lexie,

 

I hope it's two statements.  That would be great for me and Amex.  I don't really need the extra credit limit to help with utilization since I now at zero and depending on which one card I let report with a balance, I'm never at more than 5% utilization.

EX FAKO: 723 EQ FAKO: 709 TU FAKO: 732/FICO 762
Total Credit Limits: $287,100 (July 2013 starting credit limits totaled $2,700) - Goal Met (What to do now...)
current utilization: 3% - current AAoA: 1.5-2.2 years
In my wallet: Amex(25.1k), Barclays(11.7k), BofA(22k), Chase(10k), Diners Club(30k), Discover(14.5k), 5/3(18k), GECRB(23.5k), Huntington National Bank(.5k what the...), NASA FCU(5k), NFCU(65k), State Farm(4k), Tires Plus(2.2k), USAA(30.6k), US Bank(5k), and Wells Fargo(20k).
Valued Contributor
12njoy
Posts: 1,780
Registered: ‎09-11-2013
0

Re: CITI is like an elephant (They never forget)

@Lexie,

 

They do, but when you get used to seeing a familiar poster, you come to expect that person.

EX FAKO: 723 EQ FAKO: 709 TU FAKO: 732/FICO 762
Total Credit Limits: $287,100 (July 2013 starting credit limits totaled $2,700) - Goal Met (What to do now...)
current utilization: 3% - current AAoA: 1.5-2.2 years
In my wallet: Amex(25.1k), Barclays(11.7k), BofA(22k), Chase(10k), Diners Club(30k), Discover(14.5k), 5/3(18k), GECRB(23.5k), Huntington National Bank(.5k what the...), NASA FCU(5k), NFCU(65k), State Farm(4k), Tires Plus(2.2k), USAA(30.6k), US Bank(5k), and Wells Fargo(20k).
Moderator
09Lexie
Posts: 26,591
Registered: ‎09-13-2012
0

Re: CITI is like an elephant (They never forget)

Valued Contributor
12njoy
Posts: 1,780
Registered: ‎09-11-2013
0

Re: CITI is like an elephant (They never forget)

@anyone,

 

Given my stats in my signature and let's assume that Chase and Discover doesn't hit Experian until late next week.  Let's also assume (big assumption I know) that I get the 3x CLI on BCP.  All that is done, do you think I have a shot with CITI?  I have a total of 5 inquiries on Experian (4 from Amex and 1 from Barclay for CLI).  All are from July 2013 through August 2013.  What do you all think?  

EX FAKO: 723 EQ FAKO: 709 TU FAKO: 732/FICO 762
Total Credit Limits: $287,100 (July 2013 starting credit limits totaled $2,700) - Goal Met (What to do now...)
current utilization: 3% - current AAoA: 1.5-2.2 years
In my wallet: Amex(25.1k), Barclays(11.7k), BofA(22k), Chase(10k), Diners Club(30k), Discover(14.5k), 5/3(18k), GECRB(23.5k), Huntington National Bank(.5k what the...), NASA FCU(5k), NFCU(65k), State Farm(4k), Tires Plus(2.2k), USAA(30.6k), US Bank(5k), and Wells Fargo(20k).
Established Contributor
hot4u
Posts: 787
Registered: ‎04-21-2013
0

Re: CITI is like an elephant (They never forget)


12njoy wrote:

@Lexie,

 

Question for you.  No offense intended (I respect your advice).  How do the community leaders/monitors keep up with all the forums?  It seems like so many forums are going on at once.  I would lose my mind trying to keep up with it all.


Lexie works Hard and Plays Hard...

Lexie 10+ Ft waves tomorrow..


(Chase)- Freedom, CSP®, United MileagePlus® Explorer, Marriott Rewards® Premier, Penfed cash+ rewards/Promise.
Amex’s- BCE, Hilton and SPG®, NFCU Cash Rewards, FHB Destinations World Elite.
(Citi)- Dividends Platinum Select, Executive/Platinum® Advantage,Hawaiian Airlines World Elite


Moderator
09Lexie
Posts: 26,591
Registered: ‎09-13-2012
0

Re: CITI is like an elephant (They never forget)

New Contributor
Xer0_SiN
Posts: 92
Registered: ‎09-13-2013
0

Re: CITI is like an elephant (They never forget)

to me citi is the equivalent to the villian of the story. you really wanna like the guy cause he has all the cool characteristics people like, until you find how dark they can really be. and it doesnt matter the affinity this guy has, cause some people are just gonna root him no matter what! and the thing about the villian is they only really care about themselves or a very select few. now you put that into literal terms and you have citi in a nutshell lol.

i recently applied for citi (hilton honors) and they came back with.

Thank you for applying for Hilton HHonors Visa account. Unfortunately, we are unable to approve your request for the account because of the following:
- Too many recent credit inquiries are recorded on your credit bureau report.
- Too manu recent credit inquiries were recorded on your credit bureau report.

i can see what citi is getting at in my case, and i get it, but whats the point in having two denial reasons almost exactly the same.
NFCU Cash #1: 15000, NFCU Cash #2: 15000, USAA Plat: 10000, USAA AMEX: 10000, Local CU #1: 7500, Chase Hyatt: 5000, NASA FCU: 5000, SDFCU: 5000, FNBO: 5000, Militarystar: 4700, Chase Militarystar: 4700, Local CU #2: 3000, Chase Ink Classic: 3000 Zales: 2700 Discover IT: 1500, GE Amazon: 1400, GE Walmart: 1400, Target: 500, GE Dillards: 300
NFCU LOC: 15000, Local CU LOC: 3000
Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
0

Re: CITI is like an elephant (They never forget)

Lol did Chiti violate the law?
Surprise, surprise!!!!!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Valued Contributor
12njoy
Posts: 1,780
Registered: ‎09-11-2013
0

Re: CITI is like an elephant (They never forget)

@XerO_SiN,

 

I hear you.  I don't know why, but I want it.  Maybe because I used to have all the major players and now I don't (my own fault).  Or maybe it's because I can't have it that I want it.  I have way more credit than I'll ever use (at this point anyway).  But CITI is CITI.  The only other out there is BOA and I've never really cared to have BOA.  I just don't know.  I've got a little over a week to decide.  I'm leaning toward not doing it, but it's going to be a long week.  Hopefully, Amex comes through for me and I can say enough is enough :smileylol:

EX FAKO: 723 EQ FAKO: 709 TU FAKO: 732/FICO 762
Total Credit Limits: $287,100 (July 2013 starting credit limits totaled $2,700) - Goal Met (What to do now...)
current utilization: 3% - current AAoA: 1.5-2.2 years
In my wallet: Amex(25.1k), Barclays(11.7k), BofA(22k), Chase(10k), Diners Club(30k), Discover(14.5k), 5/3(18k), GECRB(23.5k), Huntington National Bank(.5k what the...), NASA FCU(5k), NFCU(65k), State Farm(4k), Tires Plus(2.2k), USAA(30.6k), US Bank(5k), and Wells Fargo(20k).

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