topic Re: Exxon Mobil CC from citibank in Credit Cards

Exxon Mobil CC from citibank

oracles — Tue, 30 Dec 2008 06:27:59 GMT

I am thinking about getting this exxon mobil citibank card. It has an offer for 30 cents off each gallon for the first 60 days and 15 cents afterwards. I use mobil all the time. My questions are 1- )Do they give very good CLI's? 2- )at what month(s) do they give CLI? 3- )Should I ask for a CLI at activation? 4-) Is this a good card?

If this card has grown with you, can you please tell me how?

Any information will be appreciated

thanks

Message Edited by oracles on 12-30-2008 01:27 AM

Re: Exxon Mobil CC from citibank

Anonymous — Tue, 30 Dec 2008 08:36:11 GMT

I have to admit the bonus offer is the main attraction, and if you use Exxon/Mobil then it can pay huge rewards. As far as CLI's its Citi. History has shown they can be generous, but with the times we are facing who knows. As far as asking for a CLI at the start, I would probably avoid that until about six months of having the card.

Re: Exxon Mobil CC from citibank

Anonymous — Tue, 30 Dec 2008 14:19:21 GMT

I use the Mobil card once a week to gas up the old war wagon. When I applied (in NY) they pulled TU and they started me off with a 3k line. My line now is 7k - after having this card 2 years. During this past summer, when gas was $4.69 I ran up about $250 a month in fees and ALWAYS did a PIF. Now gas is about $1.95 and I don't spend nearly as much, but I still PIF. Additionally, this card came with a speed pass swipe - makes filling up a little easier.

I never asked for cli, but after 6 months they did a soft pull before increasing my line from 3k to 3.5 then increased in $500 increments every 6 months or so. Always a soft pull on TU.

Since I use this card only for purchasing gas - I am happy with my present line of 7k. The card also has a cash advance feature.

Re: Exxon Mobil CC from citibank

oracles — Tue, 30 Dec 2008 17:56:14 GMT

Thanks everyone

I too am in NY so this will help me with its reward feature. I will probably only use it for gas purchases and then PIF. Thanks

Re: Exxon Mobil CC from citibank

oracles — Tue, 30 Dec 2008 19:56:42 GMT

one more question, I am assuming this card reports the credit limit?

Thanks

Re: Exxon Mobil CC from citibank

Anonymous — Tue, 30 Dec 2008 20:01:32 GMT

So you have a 7'000 limit on a gas card o my lol my thing is thats great an all but why would one need a limt like that for just a gas card unless it's a visa or mc?

Re: Exxon Mobil CC from citibank

oracles — Tue, 30 Dec 2008 20:06:40 GMT

@Anonymous wrote:
So you have a 7'000 limit on a gas card o my lol my thing is thats great an all but why would one need a limt like that for just a gas card unless it's a visa or mc?

That is what cobra has, an ExxonMobil MC, that is why he has a 7k limit.

Re: Exxon Mobil CC from citibank

llecs — Tue, 30 Dec 2008 20:10:16 GMT

mjbfan79 wrote:
So you have a 7'000 limit on a gas card o my lol my thing is thats great an all but why would one need a limt like that for just a gas card unless it's a visa or mc?

I can't speak for $7k, but I manage my in-laws Exxon account. Between 5 different users, during the peak of prices in the summer, they were spending $2500 each month and would PIF. Some of these purchases were biz-related on this personal card and would float a balance of up to $5000 factoring in time between statement mailings, check delays, etc.

Re: Exxon Mobil CC from citibank

Anonymous — Tue, 30 Dec 2008 20:13:45 GMT

I HAVE A 1 YEAR CREDIT HISTORY LESS THAN 6 MONTHS OLD 15 INQUIRES BUT I GOT APPROVED JUST LAST WEEK FOR EXXON MOBIL CC FROM CITI $750.

I GUESS THEY WILL GIVE U A HIGH CL

Re: Exxon Mobil CC from citibank

Anonymous — Tue, 30 Dec 2008 20:30:57 GMT

Yes, the Exxon/Mobil card reports the credit limit every month.

When managing this account - or any credit account - the key isn't the line of credit, it's making sure you pay the bill (preferably in full) each month.

Message Edited by cobra19 on 12-30-2008 12:30 PM

Re: Exxon Mobil CC from citibank

Anonymous — Tue, 30 Dec 2008 20:15:27 GMT

oracles wrote:
That is what cobra has, an ExxonMobil MC, that is why he has a 7k limit.

ok that makes since now.

Re: Exxon Mobil CC from citibank

Anonymous — Tue, 30 Dec 2008 20:20:29 GMT

@Anonymous wrote:
I HAVE A 1 YEAR CREDIT HISTORY LESS THAN 6 MONTHS OLD 15 INQUIRES BUT I GOT APPROVED JUST LAST WEEK FOR EXXON MOBIL CC FROM CITI $750.
I GUESS THEY WILL GIVE U A HIGH CL

I have a Shell gas card with a $500 limit an a Citgo gas card with a $750 limit both cards cards are backed by Citi. I use both cards every month. With gas prices down i only spend about $100 Dollars a month now on gas. But that will change once the summer hits.

Message Edited by mjbfan79 on 12-30-2008 02:20 PM

Re: Exxon Mobil CC from citibank

oracles — Tue, 30 Dec 2008 20:22:17 GMT

@Anonymous wrote:
@Anonymous wrote:
I HAVE A 1 YEAR CREDIT HISTORY LESS THAN 6 MONTHS OLD 15 INQUIRES BUT I GOT APPROVED JUST LAST WEEK FOR EXXON MOBIL CC FROM CITI $750.
I GUESS THEY WILL GIVE U A HIGH CL

I have a Shell gas card with a $500 limit an a Citgo gas card with a $750 limit both cards cards are backed by Citi. I use both cards every month. With gas prices down i only spend about $100 Dollars a month now on gas. But that will change once the summer hits.
Message Edited by mjbfan79 on 12-30-2008 02:20 PM

Lets pray not lol

Re: Exxon Mobil CC from citibank

Anonymous — Tue, 30 Dec 2008 21:09:10 GMT

oracles wrote: Lets pray not lol

I no right lol

Re: Exxon Mobil CC from citibank

oracles — Wed, 31 Dec 2008 00:07:22 GMT

HEy Cobra, why do you think i should not ask for a cli at activation?

Re: Exxon Mobil CC from citibank

SCF — Wed, 31 Dec 2008 00:43:18 GMT

@oracles wrote:
HEy Cobra, why do you think i should not ask for a cli at activation?

Not Cobra, but I think I can help answer this one. With the current "credit crisis" most lenders (especially the major banks like Citi) are much more prone to decrease your limit than they are to increase it. That's not to say that credit isn't still available, it's just harder to get. Unless you have a good reason to ask for a CLI at activation (you want to transfer a balance, or the limit they give you is WAY out of line with your other limits/quality of your credit history), I would reccomend using the card well for 6 months before asking, you'll be much more likely to get a positive result.