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Close Citi Card?

Frequent Contributor

Close Citi Card?

Should I close out my simplicity card if I have the AA Personal and Business cards in mind for the next app time? Don't really use it. Util across all accounts is 2% so it shouldnt make much difference. Opened it last May.

AkAir $50k | Marriott $65k | Local CU $8k
TU: 770 / EQ: 748 / EX: 769
Message 1 of 8
7 REPLIES
Valued Contributor

Re: Close Citi Card?


revvystoke wrote:

Should I close out my simplicity card if I have the AA Personal and Business cards in mind for the next app time? Don't really use it. Util across all accounts is 2% so it shouldnt make much difference. Opened it last May.


I love Citi, but Simplicity seems like a fairly basic card. See if they'll move the CL, at least?

Current cards: MSUFCU Platinum, Amex PRG, Amex Surpass, Amex BCE, Citi Prestige, Citi Double Cash, Citi Premier, US Bank Cash +, Huntington Voice, AAviator, Sallie Mae, Discover IT, Chase Freedom TU:753 EQ Enhanced: 758
Message 2 of 8
Established Contributor

Re: Close Citi Card?


longtime_lurker wrote:

revvystoke wrote:

Should I close out my simplicity card if I have the AA Personal and Business cards in mind for the next app time? Don't really use it. Util across all accounts is 2% so it shouldnt make much difference. Opened it last May.


I love Citi, but Simplicity seems like a fairly basic card. See if they'll move the CL, at least?


Simplicity is the Chase Slate equivelent. It serves a purpose. 



Total CL - 60K // Util. ~1.6%

772 TU - 6/5 ///// 705 EX - 5/5 ///// 664 EQ - 4/29
Message 3 of 8
Frequent Contributor

Re: Close Citi Card?

Lots of people on here say Citi won't budge on moving credit limits.

 

 

Capital One Quicksilver MC $3000 6/2011 | Chase Amazon Visa $1400 8/2012 | Citi Diamond Preferred MC $4200 7/2013 | AMEX Green NPSL 8/2013 | Chase Freedom $1000 Visa 8/2013 | AMEX BCE $7000 2/2014 ==> 2/2013
Message 4 of 8
Established Contributor

Re: Close Citi Card?

Some people have had CL's moved, some people haven't. Luck of the draw. 



Total CL - 60K // Util. ~1.6%

772 TU - 6/5 ///// 705 EX - 5/5 ///// 664 EQ - 4/29
Message 5 of 8
Valued Contributor

Re: Close Citi Card?


H4LO wrote:

longtime_lurker wrote:

revvystoke wrote:

Should I close out my simplicity card if I have the AA Personal and Business cards in mind for the next app time? Don't really use it. Util across all accounts is 2% so it shouldnt make much difference. Opened it last May.


I love Citi, but Simplicity seems like a fairly basic card. See if they'll move the CL, at least?


Simplicity is the Chase Slate equivelent. It serves a purpose. 


Ah looking at it, I can tell. Makes sense - they want some of that BT business!

Current cards: MSUFCU Platinum, Amex PRG, Amex Surpass, Amex BCE, Citi Prestige, Citi Double Cash, Citi Premier, US Bank Cash +, Huntington Voice, AAviator, Sallie Mae, Discover IT, Chase Freedom TU:753 EQ Enhanced: 758
Message 6 of 8
Super Contributor

Re: Close Citi Card?


revvystoke wrote:

Should I close out my simplicity card if I have the AA Personal and Business cards in mind for the next app time? Don't really use it. Util across all accounts is 2% so it shouldnt make much difference. Opened it last May.


just keep it for now.

If they're not willing to extend you more credit, then offer to close out the account or reduce your Simplicity's CL. 

 

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 7 of 8
Frequent Contributor

Re: Close Citi Card?

Funny thing is I opened it specifically for the good Bt intro. That expired 2 months after and I never got another BT offer since. BT not available at all for me on that card.
AkAir $50k | Marriott $65k | Local CU $8k
TU: 770 / EQ: 748 / EX: 769
Message 8 of 8