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I didn't fight with the guy or threaten to close the card. I will make one charge a month for less than $3, pay half of it, and let the card report a $2 balance or so. It's painfully obvious that Amex and CITI are gasping for air.
wow sorry about that fused, i am shocked to hear that.
I along with others were successful at getting them to reduce the apr, sometimes lower than the original apr.
Maybe you got the wrong person, i would try one more time.
@fused wrote:
Nah! My days of behaving like a bulldog and forcing CCCs to give me what I want are long over. For me, it's better to sit back and just let CITI suffocate. I have no allegiance to them.
I prefer the passive-agressive approach where I keep my CCCs PIF and if I need to make a major purchase, use their history to get a 0% loan in a store on Bill Me Latter.
DUDE .... thanks!!!! I didn't even notice but Citi raised my rate to 18.99% last month. I just called the backdoor number you posted and told them I was going to close my account because the new interest rate was ridiculous. They immediately lowered it to 6.99% (Prime + 3.74%). It is now my lowest rate CC, has a $0 balance, and has $20k in available credit ...
Thanks again :-)
Just stumbled on this forum when I received my citibank bill this month. Noticed the rate increased and went googling for answers. I tried the tactics many of you have used (back door number) and got no where with the gentlemen. He basically said I could opt out or if I do not like the terms I could "feel free" to balance transfer elsewhere. I hold a small tab on their (was at 6%) and was paying a few hundred a month off my credit card bill as the 6% didnt bother me much, but at the 14.99 rate the fees are unreasonable. This is my oldest card and would like to stay with the company. Any suggestions, should I call back another time, be more forceful?
my Visa with them went to 19.99 percent as well, but I never use that card...
@Anonymous wrote:Just stumbled on this forum when I received my citibank bill this month. Noticed the rate increased and went googling for answers. I tried the tactics many of you have used (back door number) and got no where with the gentlemen. He basically said I could opt out or if I do not like the terms I could "feel free" to balance transfer elsewhere. I hold a small tab on their (was at 6%) and was paying a few hundred a month off my credit card bill as the 6% didnt bother me much, but at the 14.99 rate the fees are unreasonable. This is my oldest card and would like to stay with the company. Any suggestions, should I call back another time, be more forceful?
my Visa with them went to 19.99 percent as well, but I never use that card...
Message Edited by jdh0526 on 01-26-2009 09:08 AM
Hi Jdh and welcome to the forums.
I definitely think you should call the backdoor number again and try your luck with someone else. Sometimes it is a matter of speaking to the right person. Ask if they can do a review of your account because the apr is ridiculously high and you would like it lowered. YMMV
If first you don't succeed, try again.
@Anonymous wrote:Just stumbled on this forum when I received my citibank bill this month. Noticed the rate increased and went googling for answers. I tried the tactics many of you have used (back door number) and got no where with the gentlemen. He basically said I could opt out or if I do not like the terms I could "feel free" to balance transfer elsewhere. I hold a small tab on their (was at 6%) and was paying a few hundred a month off my credit card bill as the 6% didnt bother me much, but at the 14.99 rate the fees are unreasonable. This is my oldest card and would like to stay with the company. Any suggestions, should I call back another time, be more forceful?
my Visa with them went to 19.99 percent as well, but I never use that card...
Message Edited by jdh0526 on 01-26-2009 09:08 AM
Without a doubt. In fact, I'd call back right now.
When this happened to me a couple of months ago, the woman I spoke with was a bit snotty from the very beginning. She pretty much told me what this guy told you: feel free to take a hike. There was about a 15 second pause where niether of us said a word and I almost just hung up on her. She had asked, "I don't know what you want me to do about it" and I said, "I want you to honor the written guarantee that was issued when I obtained this card, which said that Citi would "never increase" the APR absent an account default." Fifteen seconds of silence. Then she says, out of the blue, "Well, I guess I COULD reduce your rate by 1.25%. Do you want me to do that?" Mind you, she wasn't just reducing the INCREASE by 1.25%, she was reducing the ORIGINAL rate by 1.25%. She actually proposed it like it was a BAD thing. lol. I almost asked, "Is this a trick question?"
Sixty days later, I got a $1,200 CLI, too.
Several others have reported that they've had to call 2 or 3 times to get results.
Bottom line: Call again. I think the woman I spoke with was just in a bad mood that day, and I'm sure she was buried in complaint calls. You know how it goes. I'd keep calling until I found a friendly voice. Just because one says no, doesn't mean the next one won't be more cooperative.
thanks, I am glad I found this forum, not only for this subject, but the forum in general is very resourceful! I will call again tonight and hope to get someone else. thanks for the welcome!