Citibank or Chase ?

[Anonymous]

Citi still let you CLI via Soft Pull
I got mine increased from 20k to 22k 2month ago
I have never used HP to increase CL on my citi card
maybe different rules apply for newer customers
I started off with Diamond Prefered and and PCed to Forward and happily stuck with Forward

[kdm31091]

You're right, in that Citi allows SP CLI way more often than Chase!

[Anonymous]

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@Anonymous wrote:

Do you already have any Barclay cards? Since your TU is higher you could potentially get a Barclay card with a decent starting CL if your income is high enough. If you travel you could possibly get the Barclay US Airways card, get 50K miles and just use their standard 0% for 12 months BT offer. That way you don't end up with some useless BT specific card like a Chase Slate and you would still get a very nice sign-up bonus. Just another route to consider. I am shooting from the hip here since I don't know what your 5-6 cards in addition to your AMEX are.

AFAIK income is the number one determining factor in high starting CLs with credit score linking more directly to APR. 

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Agreed agreed agreed. Great lineup of cards including the Sallie Mae as well. And since you're looking to transfer, you can give the Barclaycard Ring a shot for the fixed 8% APR. 

[Luscher]

CHASE!!!!

[chalupaman]

Go with Chase. They are 1000x better about recon and much better customer service by far. Citi is much more computer based and their customer service largely sucks and is pretty bad by prime lender standards.

[Anonymous]

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@chalupaman wrote:

Go with Chase. They are 1000x better about recon and much better customer service by far. Citi is much more computer based and their customer service largely sucks and is pretty bad by prime lender standards.

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I'd say their CS is better than AMEX at this point.

No, really.

[Anonymous]

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@Anonymous wrote:

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@chalupaman wrote:

Go with Chase. They are 1000x better about recon and much better customer service by far. Citi is much more computer based and their customer service largely sucks and is pretty bad by prime lender standards.

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I'd say their CS is better than AMEX at this point.

No, really.

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That is a bold statement! Let the backlash ensue.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@chalupaman wrote:

Go with Chase. They are 1000x better about recon and much better customer service by far. Citi is much more computer based and their customer service largely sucks and is pretty bad by prime lender standards.

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I'd say their CS is better than AMEX at this point.

No, really.

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That is a bold statement! Let the backlash ensue.

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At least their mid-high end CS is.

I get better service from the CSP line than I do from the PRG line. And the JPM line is top notch!

[chalupaman]

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@Anonymous wrote:

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@chalupaman wrote:

Go with Chase. They are 1000x better about recon and much better customer service by far. Citi is much more computer based and their customer service largely sucks and is pretty bad by prime lender standards.

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I'd say their CS is better than AMEX at this point.

No, really.

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I've never encountered an Amex rep that I couldn't understand. With Citi, I have encountered several people who just were complete numbskulls and I could barely understand. Maybe it all just depends. 

I will say that AskCiti is considerably better than phone reps which I'm talking about.

Edit: Oops. thought you were seriously talking about Citi. My bad. In that case, I kind of agree. Chase is amazing most of the time with their service, higher end stuff at least. Amex I admit isn't as good in that respect.

[Anonymous]

Man, you spelled numbskulls wrong, the irony!