topic Re: Looking for a card to replace Citi DC in Credit Cards

Looking for a card to replace Citi DC

Anonymous — Thu, 18 Nov 2021 13:48:47 GMT

Citi Balance chased me from a limit over 7k down to $600, so im looking for a new card with a high limit to get my utilization back up. My scores are 775,767,757 and I dont carry any balances on my cards my current cards are:

Chase sapphire prefered 6k limit

Amex Gold

2 secured cap one cards that I keep for AAOA $1500 total limit

Any suggestions are appreciated.

Re: Looking for a card to replace Citi DC

MySunrise271 — Thu, 18 Nov 2021 14:32:30 GMT

You could use the pre qualification tool for the FNBO Evergreen Visa to see what SL you could receive. It's a soft pull on Experian, HP if you continue. 2% back on everything, $200 SUB for $1k spend in 3 months, 0% purchase and BT for 12 months, 5% BT fee. 🙂 Search the board, there are lots of DPs.

@Anonymous wrote:
Citi Balance chased me from a limit over 7k down to $600, so im looking for a new card with a high limit to get my utilization back up. My scores are 775,767,757 and I dont carry any balances on my cards my current cards are:
Chase sapphire prefered 6k limit
Amex Gold
2 secured cap one cards that I keep for AAOA $1500 total limit
Any suggestions are appreciated.

Re: Looking for a card to replace Citi DC

Hoben02 — Thu, 18 Nov 2021 14:49:46 GMT

Have you thought about building out the chase trifecta: cfu, cff. If it's a cashback card maybe the bofa customized cash

Re: Looking for a card to replace Citi DC

NoMoreE46 — Fri, 19 Nov 2021 01:08:10 GMT

@Anonymous wrote:
Citi Balance chased me from a limit over 7k down to $600, so im looking for a new card with a high limit to get my utilization back up. My scores are 775,767,757 and I dont carry any balances on my cards my current cards are:
Chase sapphire prefered 6k limit
Amex Gold
2 secured cap one cards that I keep for AAOA $1500 total limit
Any suggestions are appreciated.

Any insight for the balance chase by Citi?

Re: Looking for a card to replace Citi DC

Yankee2 — Fri, 19 Nov 2021 01:12:51 GMT

Wells Fargo Active Cash is 2% cashback and has a $200 SUB for $1,000 spend in 3 months.

Re: Looking for a card to replace Citi DC

creditfan — Fri, 19 Nov 2021 01:48:18 GMT

power cash from penfed CU

Re: Looking for a card to replace Citi DC

PullingMeSoftly — Fri, 19 Nov 2021 01:50:45 GMT

@Anonymous wrote:
Any suggestions are appreciated.

If you're looking for an uncategorized 2% replacement card, there's fairly comprehensive list/discussion here

Re: Looking for a card to replace Citi DC

Anonymous — Fri, 19 Nov 2021 19:05:54 GMT

@NoMoreE46 wrote:
@Anonymous wrote:
Citi Balance chased me from a limit over 7k down to $600, so im looking for a new card with a high limit to get my utilization back up. My scores are 775,767,757 and I dont carry any balances on my cards my current cards are:
Chase sapphire prefered 6k limit
Amex Gold
2 secured cap one cards that I keep for AAOA $1500 total limit
Any suggestions are appreciated.

Any insight for the balance chase by Citi?

I made a few large purchases almost 6k worth paid the entire balance in full 3 days before my mpayment was due,and I guess they didnt like that....and the limit was immediatley cut to $400 I applied for an increase and they increased to $600

Re: Looking for a card to replace Citi DC

ptatohed — Sat, 20 Nov 2021 08:12:42 GMT

I very recently went on the hunt to replace my Citi Double Cash too. No particular reason like you, in my case I just had a goal to try and do better than 2% cash back. For the better part of my search, I had dismissed any 3% cards. They appeared to all be only from CUs I couldn't get into, were only 3% for the first year, annual fees, etc. I even e-mailed all of the CUs with 3% CB cards and most got back to me and said they have strict requirements that you live, work, pray, or go to school in these X counties. So, my search was focused on 2.5% cards.

I narrowed it down to the Alliant Visa Sig. 2.5% CB.

https://www.alliantcreditunion.org/bank/visa-signature-card

If there are better 2.5%ers out there, I'm sure others will chime in. I even went as far as starting my application. I was willing to play the game of keeping $1000 in checking and making a monthly transfer into the account. As fate would have it, when I was close to the end, I accidentally closed my browser (Doh!) I had trouble getting back in (yes, they had already ran my credit - boo). I went to bed for the night.

Next day AOD CFU https://www.aodfcu.com/visa-signature-credit-card/ responded back to my e-mail inquiry asking if someone from out of state could join. They had taken some 3 days to get back to me so I figured they were not going to reply. Their reply gave me hope. It said something like it's typically for those who ...blah blah blah.... in Alabama but you can see if you are a member of one of our qualifying clubs. Maybe I was being too hopeful but I took that as a wink! I didn't go back to the Alliant app and focused hard on the AOD. There's more to it than this but, in quick summary, I joined NEABA and was approved for AOD membership and the 3% CB AOC Visa Sig. I'm still on cloud nine.

Anyway, my whole point of this long ramble, sorry, is - since you are looking to replace your daily 2% CB card, why not take a look at getting a 2.5% or even a 3% CB card? Just something to consider. Best of luck!

Re: Looking for a card to replace Citi DC

creditfan — Sun, 21 Nov 2021 02:03:06 GMT

https://ficoforums.myfico.com/t5/Credit-Cards/So-there-s-no-other-bank-offering-a-flat-3-cash-back-card/m-p/6438593#M1798162

This^ requires 10k annual spending to get 3% CB

Re: Looking for a card to replace Citi DC

ptatohed — Sun, 21 Nov 2021 09:25:47 GMT

@creditfan wrote:
https://ficoforums.myfico.com/t5/Credit-Cards/So-there-s-no-other-bank-offering-a-flat-3-cash-back-card/m-p/6438593#M1798162

This^ requires 10k annual spending to get 3% CB

I saw that too. But I don't have a business and I am not sure how easy or hard it is to qualify as a business. ?

I can spend $10k annually easily. My employer offers insurance or pays you to find your own. It's much cheaper for my family to take the insurance allowance and buy our own. So, we pay $1200 per month on a credit card in insurance alone. Great for rewards.

Re: Looking for a card to replace Citi DC

creditfan — Sun, 21 Nov 2021 16:41:20 GMT

you can apply as a sole proprietor, use your SSN as an EIN on the application. Do you know that everything we do everyday some of them might consider as business that we never notice it.

Jump over google to find blogs that give you in deep details what count as business.

To be honest, business version is not hard to get

Re: Looking for a card to replace Citi DC

Anonymous — Sun, 21 Nov 2021 20:20:19 GMT

@Anonymous wrote:
@NoMoreE46 wrote:
@Anonymous wrote:
Citi Balance chased me from a limit over 7k down to $600, so im looking for a new card with a high limit to get my utilization back up. My scores are 775,767,757 and I dont carry any balances on my cards my current cards are:
Chase sapphire prefered 6k limit
Amex Gold
2 secured cap one cards that I keep for AAOA $1500 total limit
Any suggestions are appreciated.

Any insight for the balance chase by Citi?

I made a few large purchases almost 6k worth paid the entire balance in full 3 days before my mpayment was due,and I guess they didnt like that....and the limit was immediatley cut to $400 I applied for an increase and they increased to $600

How long did it go unused prior to that, or if used what was the typical usage per month? It simply might have set off their alarm that someone suddenly used it to charge a significant amount more that average spend during a time of uncertainty. IMO that seems very extreme to go from $7K to $400 when they could have just halved it and waited to see if it was a one time thing or a sign of taking on more debt. I also supsct that you called in too early for a CLI and that's why it was only $200. You might have to just wait it out with CLI requests every six months and out regular usage with PIF monthly to get that CL back.

I guess it depends on whether this account it worth it to you enough to stick with them and try to get back what was taken, but there are pleny of 2% replacements so there's that. I guess be happy it wasn't a more rare earner. And good luck with the search!

Re: Looking for a card to replace Citi DC

xenon3030 — Sun, 21 Nov 2021 20:45:10 GMT

There are plenty of options. Get some of 5% cards in the market (rotationally or by category). If not, get some general 1.5% cards without cap (CFU, BOA PR).