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@Anonymous wrote:
I just received a letter for a change in terms. In less than 2 months my Citi card rate has gone from a promotional 6.99% to 18.99% and now they will raise it to Prime + 24%! There reasoning was the cost of doing business. Is this credit card companies way of fighting back credit card reform?
What exactly is the state of this account and your other accounts? Are you carrying balances?
@Anonymous wrote:
Same thing with my daughter, she surfed to alliant. But the funny thing is, she logged in to her citi account last night to see if the blanace transfer went though yet, and saw the luv button for the first time, so she clicked it and they increased her limit by another $500. And it said, not a hard pull, so she was happy
If you get a form to fill in it will be a hard INQ. If you do not get a form it will not be. I recenly got a $1,250 CLI this way.
@creditwherecreditisdue wrote:
What exactly is the state of this account and your other accounts? Are you carrying balances?
This account is current and has always been current just like all my credit cards. My balance is about $1000 on a limit of $1600.....It used to be over a $5,000 limit but they've been hacking away at that too.
I do however have a tax lien on my record. I'm sure that doesn't help in keeping my rates low even though I'm a good client as far as paying all my other bills on time.
@Anonymous wrote:
@creditwherecreditisdue wrote:
What exactly is the state of this account and your other accounts? Are you carrying balances?
This account is current and has always been current just like all my credit cards. My balance is about $1000 on a limit of $1600.....It used to be over a $5,000 limit but they've been hacking away at that too.I do however have a tax lien on my record. I'm sure that doesn't help in keeping my rates low even though I'm a good client as far as paying all my other bills on time.
"Current" is not good enough these days. High UTIL + PR reporting (in your case) is a recipe for AA.