09-25-2009 02:32 PM
09-25-2009 02:52 PM - edited 09-25-2009 02:53 PM
I also have the Citi AA Bronze card with 6k limit and they only reported the balance but not the CL...Since I saw the overall balance on all my credit card accounts, I assume it does effect my utilization. I'm trying to call Citi to report the Credit Line which I haven't done yet..
I believe all Citi AA accounts have no pre-set spending limit, though they do put the limit on your account but the account has no pre-set spending limit whatsoever. I know this because I receive my first statement in the mail and it stated in the statement. They won't charge you overlimit fees (i hope so) etc but you do have the pay the balance in FULL if you go over the limit..HmMmm
10-10-2009 02:52 PM
I finally called and request my account to be reported with Credit Limit on my CR for my Citi AAdvantage Bronze card. The CSR told me that the Citi AAdvantage does not have a pre-set spending limit and so therefore they can't do anything about it. However they said I can change the card to something else but I don't want too because the credit limit they assigned can be increased whenever which is something I really like..Oh well! I hope no pre-set spending limit card will not hurt my utilization and credit score...
If anyone else have Citi AAdvantage please share your experience here! Thanks and much love
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO