topic Re: CITI Cards in Credit Cards

CITI Cards

Niki9 — Sun, 25 Nov 2007 00:42:30 GMT

There are so many posts about getting a citi card and converting it to another citi card w/better rewards and APR.

So My Questions:

Which Citi Card is the easiest to get? And

When you got your card what did you convert it to?

Why did you convert it? And

How did you convert it?

I don't have a Citi card and was just curious.

thanks

Re: CITI Cards

SonorityGenius — Sun, 25 Nov 2007 01:19:49 GMT

Get the Citi card that suits the needs YOU have for IT.

For example, there are cards that give you cashback on home items you buy vs a Upromise one that puts points in your college savings account.. vs one that accumulates points towards airline tickets vs citi thankyou point network which works for a variety of merchandize...etc etc etc.

Check out whogavemecredit.com - input your fico score and state and select citi and see with what range people have got approved for and which citi card to get an "idea"

It all depends on your individual, unique credit report if you will get it or not..

Citicards are the EASIEST to convert to - no soft/hard inqs, just call the 800# back of card and ask for a product change.

I converted a plat mc to CashReturns mc, took 2 mins and 5 days for the new shiny green one to come in da mail =D

Good luck in selecting the one you want, citi is one of the easiest websites I have ever found that lets you compare their different products on the terms you select.

Re: CITI Cards

Anonymous — Sun, 25 Nov 2007 01:45:37 GMT

Sonority you are on a roll

SonorityGenius wrote:
Get the Citi card that suits the needs YOU have for IT.

For example, there are cards that give you cashback on home items you buy vs a Upromise one that puts points in your college savings account.. vs one that accumulates points towards airline tickets vs citi thankyou point network which works for a variety of merchandize...etc etc etc.

Check out whogavemecredit.com - input your fico score and state and select citi and see with what range people have got approved for and which citi card to get an "idea"

It all depends on your individual, unique credit report if you will get it or not..

Citicards are the EASIEST to convert to - no soft/hard inqs, just call the 800# back of card and ask for a product change.

I converted a plat mc to CashReturns mc, took 2 mins and 5 days for the new shiny green one to come in da mail =D

Good luck in selecting the one you want, citi is one of the easiest websites I have ever found that lets you compare their different products on the terms you select.

Re: CITI Cards

Anonymous — Sun, 25 Nov 2007 02:18:15 GMT

Niki9 wrote:
There are so many posts about getting a citi card and converting it to another citi card w/better rewards and APR.

So My Questions:

Which Citi Card is the easiest to get? And
When you got your card what did you convert it to?
Why did you convert it? And
How did you convert it?

I don't have a Citi card and was just curious.
thanks

Just be aware that if you have a collection still showing on reports they will not accept you. I will venture to bet (of course I do not know- as mine is just over 3 y/o- they prob. look at colls within the last five years).

Anway, Amex took me, Disc took me and Citi Upromise would not. Go figure.

Re: CITI Cards

SonorityGenius — Sun, 25 Nov 2007 02:31:42 GMT

lol thanks Ash..!!

netpanther wrote:

Just be aware that if you have a collection still showing on reports they will not accept you. I will venture to bet (of course I do not know- as mine is just over 3 y/o- they prob. look at colls within the last five years).

Anway, Amex took me, Disc took me and Citi Upromise would not. Go figure.

omg net! that is weird! I have actually read citi upromise is "easier" than its dividend line (which is easier than amex!) lol

Citi does just auto deny on FAs in some cases - according to some posters on CB.. did you have those at that time?

Re: CITI Cards

Anonymous — Sun, 25 Nov 2007 02:44:51 GMT

SonorityGenius wrote:
lol thanks Ash..!!

netpanther wrote:

Just be aware that if you have a collection still showing on reports they will not accept you. I will venture to bet (of course I do not know- as mine is just over 3 y/o- they prob. look at colls within the last five years).

Anway, Amex took me, Disc took me and Citi Upromise would not. Go figure.

omg net! that is weird! I have actually read citi upromise is "easier" than its dividend line (which is easier than amex!) lol

Citi does just auto deny on FAs in some cases - according to some posters on CB.. did you have those at that time?

What do you mean by FAs? LOL!

Re: CITI Cards

Anonymous — Sun, 25 Nov 2007 02:53:26 GMT

one of two things

fa = fraud alert

fa = fat (better not)

Re: CITI Cards

SonorityGenius — Sun, 25 Nov 2007 03:20:41 GMT

dnm45227 wrote:
one of two things

fa = fraud alert
fa = fat (better not)

omg dnm! you're gonna get me in trouuuuuuble with the 2nd suggestion lmao

yep net, FA = Fraud Alert - sometimes you dont even know they put it on your file (notorious experian) until you apply and get auto denied cause their auto comp goes crazy lol

it is weird citi would decline and amex/disc would approve - what was the reason they mailed it out?

Re: CITI Cards

Anonymous — Sun, 25 Nov 2007 03:24:56 GMT

Nope- no fraud alerts.

The exact reason they gave "recent collection". It is from 2005 but they have yet to negotiate a PFD w/ me. Trust me, I want to pay so badly- but I already made that mistake w/ one collection.

The CA is GLA and they will not budge. I am going to bombard them over the Christmas holidays and hope they break. It is one of my New Years resolutions- to get rid of the last three baddies- one paid coll- and two unpaid- all w/ GLA.

It really is sad as the two unpaid add up to less than 250 dollars. Yes, the moral thing to do it pay them. However, the ethical thing for them to do is remove it if I pay- like I have mentioned before- I don't think CA's realize how much money they would make if they did PFD's.

Re: CITI Cards

SonorityGenius — Sun, 25 Nov 2007 03:31:33 GMT

yikes net!! you are absolutely right - they should remove it!

There is a 1:2 punch you can utilize on this CA during xmas (when they AND CRAs are possibly understaffed!)

A cool map of how to deal with CAs is below:

http://images5.theimagehosting.com/12Punch.jpg

Re: CITI Cards

Niki9 — Sun, 25 Nov 2007 16:38:09 GMT

I have 2 paid collections....

I'll have to look into GLA ing them.

Thanks for the info.

Re: CITI Cards

Niki9 — Sun, 25 Nov 2007 16:43:10 GMT

never mind ...

I can't read. I guess GLA is the collection company.

oh well.

guess I'll have to look around to figure out how to get rid of the paid collections.

Re: CITI Cards

Anonymous — Sun, 25 Nov 2007 17:08:04 GMT

Niki9 wrote:
never mind ...

I can't read. I guess GLA is the collection company.

oh well.

guess I'll have to look around to figure out how to get rid of the paid collections.

LOL! I was wondering what you meant by that. Yes, GLA is the collection company and they are terribly stubborn and refuse to budge. However, I haven't really bombarded them w/ PFD's like I am planning to start once finals are over...

Re: CITI Cards

Anonymous — Mon, 26 Nov 2007 00:39:11 GMT

dw and I both have the Citi Plat with only a $500 cl. Does anyone know how long it takes to convert or receive a cli? We both have had the cards since 1st of August (this year), we use & pif each month. Any info is greatly appreciated.

Re: CITI Cards

SonorityGenius — Mon, 26 Nov 2007 02:30:55 GMT

To convert: Call the 800# back of the card, they will ask you what you want to convert it to.. most are possible, some are not, call and ask.

To request CLI you can either call, or click on increase my credit limit from Account Management screen - and selecting it off "Maintainence" drop-down menu..

both should recieve some CLI !! with good payment history

let us know how you do!