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CiTi BT ??

Regular Contributor

CiTi BT ??

 I was approved for a 2k limit for the Citi thank you card , i havent tried to call and see if i could get my limit bumped up anymore ...Question is i have a Walmart card with a 3500 limit and a balance of 3k on it atm . I was thinking of doing the BT for as much as i can for the no intrest rate for 15 months ...the thing is will Citi look down on me for almost maxing out the card already for a BT ? Anyone's 2 cents is welcome pls and thx !

WalMart 5k , Amazon 3.5k,Chase Freedom 1.5k , Citi TY 2k, Discover IT1.1k, HomeDepot 2.8k , Chase Slate1.5k , BofA cash rewards 1.5k, Lowes 12k , Kay Jewelers 3k , Gardening until 2015!
Message 1 of 7
6 REPLIES
Super Contributor

Re: CiTi BT ??

Don't worry too much and ask for the CLI. Explain to them it's for a BT. They might do another HP though.
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Message 2 of 7
Regular Contributor

Re: CiTi BT ??

Citi seems to be the creditor that doesn't mind a balance. I would try to get to 500 or more than what u need. Another HP may be required but if you need more credit to save u money over the long run then it may be worth it.
AMEX B SKY-1K AMEX PRG- NPSL USAA PLTM -6K
DISCOVER IT- 5.2K BARCLAY REWARD- 3.2K
PAYPAL REWARDS -6K VICTORIA SECRETS -1750
USAA AMEX-5.5K CITI TY PREFR 3.1K(NPSL) CHASE FREEDOM -1K
SPORTSMAN VISA- 8K AMEX ED PRFD- 8.5
Message 3 of 7
Frequent Contributor

Re: CiTi BT ??

You shouldn't have a problem. When I applied for my Simplicity, I indicated that I was interested in a balance transfer, told them how much and which account. The CL was less than the BT amount I requested and CITI (not me) chose to max out the card for the balance transfer. I had quite a chuckle when they did that. CL was 2k and I think the BT brought the balance to 1996.00 which included the BT fee.

Meg.

FICO: 4/2016 - TU 841 | EQ 840 | EX 837

FNBO 23,600 | Amex SPG 13,900 | Amex BCP 13,400 | Barclays/Sallie Mae13,000 | Discover IT 12,500 | Lowes 10,000 | PLOC 9,300 | NASA FCU 8,700 | Citi Simplicity 6,200 | BOA Platinum+ 6,000 | Achieva CU 5,500 | Chase CSP 5,000 | Sam's Club 3,000 | Sears 900
Message 4 of 7
Regular Contributor

Re: CiTi BT ??

 Thanks for the replys , guess ill wait for my card to come in the mail and try for a CLI and a BT ! Hopefuly with out a HP !

WalMart 5k , Amazon 3.5k,Chase Freedom 1.5k , Citi TY 2k, Discover IT1.1k, HomeDepot 2.8k , Chase Slate1.5k , BofA cash rewards 1.5k, Lowes 12k , Kay Jewelers 3k , Gardening until 2015!
Message 5 of 7
Valued Contributor

Re: CiTi BT ??

Good luck, Trigga. For your own good, try to get out of debt during the BT period. Set a plan and a budget and stick to it. If you just keep moving the debt around you will end up paying way too much in interest and BT fees and you won't end up getting anywhere closer to your financial goals. Work on that debt before doing anything else with credit! Except maybe this CLI.

In My Wallet: Amex BCP (12/12) $50,000, Chase Freedom (12/12) $16,500, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Prestige (4/16) $30,000

Last App: June 27, 2015
Message 6 of 7
Highlighted
Regular Contributor

Re: CiTi BT ??

 Thanks , i called for a CLI not useing the backdoor number cause they were closed at the time and they wanted to do another HP i told them no thanks ill wait it out . Ill call the backdoor number tomorrow when the EO office is open and see if they can do anything for me . But i did transfer the max of my 2k limit they would allow and if i get lucky with the EO ill transfer the rest then ! Time to pay off these cards as i get a bad sunburn in the GARDEN !!!!!!Cause im sure ill be there a while lol !Robot wink

WalMart 5k , Amazon 3.5k,Chase Freedom 1.5k , Citi TY 2k, Discover IT1.1k, HomeDepot 2.8k , Chase Slate1.5k , BofA cash rewards 1.5k, Lowes 12k , Kay Jewelers 3k , Gardening until 2015!
Message 7 of 7