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Established Contributor
MrCredit
Posts: 571
Registered: ‎11-13-2008
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How many Citi Cards can you have open? How many do you have?

Does anyone know how many cards Citi lets you carry of theirs?
Regular Contributor
PittsburgPamela
Posts: 105
Registered: ‎04-15-2008
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Re: How many Citi Cards can you have open? How many do you have?

Don't know how many your could potentially have but I have two.  A Dividend Rewards card and a Platinum Visa.  The CLs are about the same, $12,000 and $12,200.
1/10/09 EQ=806, TU=772, EX=788
Established Contributor
MrCredit
Posts: 571
Registered: ‎11-13-2008
0

Re: How many Citi Cards can you have open? How many do you have?

I consolidated two to one, (my wifes accts) I am thinking about applying for another one in a few months. Total CL is 28.1k.
Established Contributor
woopah
Posts: 721
Registered: ‎03-15-2008
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Re: How many Citi Cards can you have open? How many do you have?


MrCredit wrote:
I consolidated two to one, (my wifes accts) I am thinking about applying for another one in a few months. Total CL is 28.1k.

 

Did you have any problems consolidating them?  And did they do any hard inquiries?  

 

I have 2 Citicards, and they're the exact same card, I'd like to combine them so that there's only one, but want to keep the total CL, the history from the oldest card, and the interest rate off the newer card.

4/16/09: TU: 775, EQ: 805
2/11/09: TU: 773, EQ: 790, EX:790
11/16/08: TU: 773, EQ: 785, EX: 780
Goals for 2009: 0 Credit Card Debt & 0% Util (achieved 2/6/09), Mortgage! (achieved 11/2/09), getting closer to 800 scores (I crossed this earlier this year, but I'm sure I'm not there anymore!)
Frequent Contributor
writemikep
Posts: 277
Registered: ‎10-21-2008
0

Re: How many Citi Cards can you have open? How many do you have?

I have two, but one of those is a Exxon/Mobil card... not sure that counts for your question :smileywink:

 

Established Contributor
Mike14
Posts: 618
Registered: ‎09-16-2008
0

Re: How many Citi Cards can you have open? How many do you have?

I have 3: two dividends and a platinum. All three have a CL of around $11k.
Wife's FICO Scores, 7/10/09: TU:??? EQ:634 EX: ???
Wife's FICO Scores, 2/13/09: TU:??? EQ:604 EX: 630
Wife's FICO Scores, 2/05/09: TU:??? EQ:592 EX: 630
My FICO Scores, 6/19/09: TU:757 EQ:744 EX:758 (all from MB; EQ Agrees)
My FICO Scores, 3/29/09: TU:755 EQ:746 EX: ???
My FICO Scores, 2/05/09: TU:??? EQ:730 EX: 720
Established Contributor
MrCredit
Posts: 571
Registered: ‎11-13-2008
0

Re: How many Citi Cards can you have open? How many do you have?

no problems consolidating the cards and no hard inq. We have been with them for a while and it was a Cash Returns and a Platinum Select.  It took 24 hours for my balance from the Cash Returns to move over to the PS.

 

They told me I could not consolidate with a pending BT and I asked for a sup and they did it no prob. 

Regular Contributor
JRomulus
Posts: 127
Registered: ‎07-26-2010
0

Re: How many Citi Cards can you have open? How many do you have?

Denial from Citi yesterday for Citi Hilton Honors Visa:

 

Unfortunately, we are unable to approve  your request for the account at this time because of the following:

 

 o   You already have the maximum number of accounts that can be issued to an individual.

 

OK, so resurrected this old thread to provide an update for anyone who's interested.

Called Citi and asked them if they meant "too many Citi Cards", and they said yes, and I have:

 

7  (2 of which I am an authorized user, and 5 where I am primary)

 

So I am guessing that you can't have 6 Citi cards where you are the primary cardholder.

 

I asked them if I cancelled some unused cards and asked for a recon, would that help, and they said bascially it might, but no guarantees.

 

So I will remove me from AU status on the 2 (gas cards), and then consider dropping the Sears and the Goodyear cards.  Don't want to give up the American Airlines card, Aadvantage MC and Aadvantage Amex.  Must consider AAoA in the process.

 

Never added up all those Citi cards over the years. 

 


Starting Score: TU 699 EQ 651 EX FAKO 705
Current Score: TU 724 EQ 714 EX FAKO 770
Goal Score: 760
Established Contributor
UFGuy2006
Posts: 731
Registered: ‎08-02-2008
0

Re: How many Citi Cards can you have open? How many do you have?


JRomulus wrote:

Denial from Citi yesterday for Citi Hilton Honors Visa:

 

Unfortunately, we are unable to approve  your request for the account at this time because of the following:

 

 o   You already have the maximum number of accounts that can be issued to an individual.

 

OK, so resurrected this old thread to provide an update for anyone who's interested.

Called Citi and asked them if they meant "too many Citi Cards", and they said yes, and I have:

 

7  (2 of which I am an authorized user, and 5 where I am primary)

 

So I am guessing that you can't have 6 Citi cards where you are the primary cardholder.

 

I asked them if I cancelled some unused cards and asked for a recon, would that help, and they said bascially it might, but no guarantees.

 

So I will remove me from AU status on the 2 (gas cards), and then consider dropping the Sears and the Goodyear cards.  Don't want to give up the American Airlines card, Aadvantage MC and Aadvantage Amex.  Must consider AAoA in the process.

 

Never added up all those Citi cards over the years. 

 


Question - What are your CL like on those 5 Citi cards? 

FICO: EX: 756 (8/14); TU: 758 (9/14); EQ 732 (8/14)

In My Wallet: Amex X 5 | Barclays X 3 | BOA X 1 | CapOne X 3 | Chase X 2 | Citi X 6 | DCU X 1 | Discover X 1 | Fidelity X 1 | Fifth Third X 1 | PenFed X 1 | PSECU X 1 | Sams Club MC X 1 | Target RedCard X 1 | USAA X 2 | US Bank X 1 | Walmart X 1 | Wells Fargo X 1 = 33 Cards

Holding off apps until the end of the year! Wish me luck!
Regular Contributor
JRomulus
Posts: 127
Registered: ‎07-26-2010
0

Re: How many Citi Cards can you have open? How many do you have?

Yes, total CL is important too... only $26,000, so not huge by any means.

 

Of course, that is just Citi, and one of my "gardening" projects IS to reduce the number of cards I have while boosting the average CL.  It is simply too time consuming to rotate the usage on cards.

 

Total I currently have 43 reporting lines, 20 open accounts, 6 with balances (only 4 of which are credit cards)

Too many open accounts.

 


Starting Score: TU 699 EQ 651 EX FAKO 705
Current Score: TU 724 EQ 714 EX FAKO 770
Goal Score: 760

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