lol, no, DXH = dear ex-husband.
I voted with my feet. 
@haulingthescoreup wrote:lol, no, DXH = dear ex-husband.
I voted with my feet.
In the interests of accuracy, please change DXH to FXH. 
@Anonymous wrote:
@haulingthescoreup wrote:lol, no, DXH = dear ex-husband.
I voted with my feet.
In the interests of accuracy, please change DXH to FXH.
Oh, he's still dear. He's the father of my children. He's just dear ex.
(We did pull off what was probably the most cordial and civilized divorce on record, at least among anyone we know.)
@burgh wrote:
@Anonymous wrote:
@burgh wrote:UPDATE: I called again today and spoke with a manager. He told me the same thing, which is that they can't change it because it has a higher APR. The fact that I am requesting the change supposedly doesn't matter. He also said that there isn't any way to raise my APR because that is also against the law. Any other ideas? I think I am going to accept defeat and just apply for the card.
Write a letter to the Citigroup CEO. Make it nice. They will respond and, if at all possible, try and do the right thing.
Good advice, but unfortunately I got impatient and applied haha. Got approved with a $7300 CL (almost as much as the forward and mtvU combined), so I'm pretty happy about it. Time to rack up the points!
Also, I like the random turn this thread has taken hahaha.
Congratulations! And who says patience is a virtue?
You know what would be ironic -- you combining your MTV CL with that of your new card and then nuking the MTV card. That would accomplish what all along Citibank said was impossible to do.
@haulingthescoreup wrote:
@Anonymous wrote:
@haulingthescoreup wrote:lol, no, DXH = dear ex-husband.
I voted with my feet.
In the interests of accuracy, please change DXH to FXH.
Oh, he's still dear. He's the father of my children. He's just dear ex.
(We did pull off what was probably the most cordial and civilized divorce on record, at least among anyone we know.)
And also congratulations on what is normally a rare accomplishment -- an exception to the rule! You are very lucky.
The buzzword in family law these days is "collaborative" divorce. Nine point nine times out of ten it's a joke -- just a scam to increase legal fees. With the idea of saving on overall legal fees, I've seen mostly Academy Award performances by parties to a collaborative divorce.
@Anonymous wrote:
@burgh wrote:
@Anonymous wrote:
@burgh wrote:UPDATE: I called again today and spoke with a manager. He told me the same thing, which is that they can't change it because it has a higher APR. The fact that I am requesting the change supposedly doesn't matter. He also said that there isn't any way to raise my APR because that is also against the law. Any other ideas? I think I am going to accept defeat and just apply for the card.
Write a letter to the Citigroup CEO. Make it nice. They will respond and, if at all possible, try and do the right thing.
Good advice, but unfortunately I got impatient and applied haha. Got approved with a $7300 CL (almost as much as the forward and mtvU combined), so I'm pretty happy about it. Time to rack up the points!
Also, I like the random turn this thread has taken hahaha.
Congratulations! And who says patience is a virtue?
You know what would be ironic -- you combining your MTV CL with that of your new card and then nuking the MTV card. That would accomplish what all along Citibank said was impossible to do.
I don't really know how to do that or what it entails, but it sounds awesome haha. Can you provide further details?
@burgh wrote:
@Anonymous wrote:
@burgh wrote:
@Anonymous wrote:
@burgh wrote:UPDATE: I called again today and spoke with a manager. He told me the same thing, which is that they can't change it because it has a higher APR. The fact that I am requesting the change supposedly doesn't matter. He also said that there isn't any way to raise my APR because that is also against the law. Any other ideas? I think I am going to accept defeat and just apply for the card.
Write a letter to the Citigroup CEO. Make it nice. They will respond and, if at all possible, try and do the right thing.
Good advice, but unfortunately I got impatient and applied haha. Got approved with a $7300 CL (almost as much as the forward and mtvU combined), so I'm pretty happy about it. Time to rack up the points!
Also, I like the random turn this thread has taken hahaha.
Congratulations! And who says patience is a virtue?
You know what would be ironic -- you combining your MTV CL with that of your new card and then nuking the MTV card. That would accomplish what all along Citibank said was impossible to do.
I don't really know how to do that or what it entails, but it sounds awesome haha. Can you provide further details?
I'm not sure of Citibank's policy, but with many banks you can ask them to transfer your creditlimit on card A to card B.
@burgh wrote:
@Anonymous wrote:
@burgh wrote:UPDATE: I called again today and spoke with a manager. He told me the same thing, which is that they can't change it because it has a higher APR. The fact that I am requesting the change supposedly doesn't matter. He also said that there isn't any way to raise my APR because that is also against the law. Any other ideas? I think I am going to accept defeat and just apply for the card.
Write a letter to the Citigroup CEO. Make it nice. They will respond and, if at all possible, try and do the right thing.
Good advice, but unfortunately I got impatient and applied haha. Got approved with a $7300 CL (almost as much as the forward and mtvU combined), so I'm pretty happy about it. Time to rack up the points!
Also, I like the random turn this thread has taken hahaha.
Well, you definitely have patience with your thread being jacked, at any rate! 
Anyway, O6 has a good idea about transferring the CL to the new card. Generally what you'll find is that the CCC will require that you keep $500 or $1000 of the limit on the original card, and the rest can be applied to the other card.
Other than your AAoA dropping from the new card, this actually works out pretty well for you, because you've picked up an addition TL (tradeline; credit account that reports), and that will continue to add clean history to your credit profile. You can put your Netflix subscription or something on the original card and stick it in a drawer.
