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Citi CLI

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Anonymous
Not applicable

Re: Citi CLI

Now here is the question of the day.. X credit one was my first credit card. It's 2 years old. How is closing it going to affect my credit?
Message 31 of 76
Closingracer99
Valued Contributor

Re: Citi CLI


@taxi818 wrote:

@Anonymous wrote:
I owe about 290 on credit one. Should I balence transfer to my venture?

No. Venture is not 0 percent interest. You only Bt to no interest cards. Citi has  a 3 percent transfer fee. So if 3 percent is less than what you are paying on interest. then good. But many cards have no transfer fee.like my Cu. But they have low apr. like nbr said. low is good. but 0 percent is best.


Eh I think what he losses in the fee he would gain by closing Credit one and getting away from them 


My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740
Message 32 of 76
Closingracer99
Valued Contributor

Re: Citi CLI


@Anonymous wrote:
Now here is the question of the day.. X credit one was my first credit card. It's 2 years old. How is closing it going to affect my credit?

It will still be on your report for 10 years. By that point your Capital one and whatever else will be older as well


My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740
Message 33 of 76
taxi818
Super Contributor

Re: Citi CLI


@Closingracer99 wrote:

@taxi818 wrote:

@Anonymous wrote:
I owe about 290 on credit one. Should I balence transfer to my venture?

No. Venture is not 0 percent interest. You only Bt to no interest cards. Citi has  a 3 percent transfer fee. So if 3 percent is less than what you are paying on interest. then good. But many cards have no transfer fee.like my Cu. But they have low apr. like nbr said. low is good. but 0 percent is best.


Eh I think what he losses in the fee he would gain by closing Credit one and getting away from them 


Agreed. $9 Bt fee. one time to get rid of Credit one. I say do it asap. :Smiley Very Happy as they also have maintanance fee and other fees.besides the interest. save your money. Spend 9 now and save a C note in the future. hehehehe

Message 34 of 76
Anonymous
Not applicable

Re: Citi CLI

I'm a girl! Haha

They hit me for 8 dollars every damn month.
Message 35 of 76
Closingracer99
Valued Contributor

Re: Citi CLI


@Anonymous wrote:
I'm a girl! Haha

They hit me for 8 dollars every damn month.

Ah Sorry Smiley Happy

 

 


My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740
Message 36 of 76
Anonymous
Not applicable

Re: Citi CLI

😉 no problem. Hard to tell with screen names. Lol

Well that is my plan. Bye bye credit one!!!
Message 37 of 76
Anonymous
Not applicable

Re: Citi CLI

I think I will close out milestone and verve as well. I have 40 bal on milestone and 35 bal on verve. Between all 3 cards they only add up to 1500, I just got 9200 in new credit. 😜
Message 38 of 76
taxi818
Super Contributor

Re: Citi CLI


@Anonymous wrote:
I'm a girl! Haha

They hit me for 8 dollars every damn month.

I knew you were a girl. you told me long ago. I think Credit one does hit you up every month. But the one time BT fee. is just that one time. then you are done with Credit one forever. your report would be fine.

Message 39 of 76
Anonymous
Not applicable

Re: Citi CLI

I just want to have all prime cards. I am closing the others for sure.
Message 40 of 76
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