https://ficoforums.myfico.com/t5/Credit-Cards/Advice-on-Citi-PC/m-p/1618180#M446408 <P>I have two cards from Citi, a Platinum Select Visa (my oldest card) and a Simplicity which I opened for the 0% on a large purchase. I'm done paying off the Simplicity, so I no longer need that card. The CL is high, however, so I don't want to let it go to waste. I contacted Citi and they said that they could not transfer my credit line from the Simplicity to the Platinum Select. Since the Simplicity isn't of much use to me anymore I have two options - SD it or try for a PC.</P><P>&nbsp;</P><P>My current everyday cards are:</P><P>1) Amex BCP for Groceries, Gas (when it's not 5% on Discover More or Chase Freedom), Department Stores (again when not 5% somewhere else), and for all my purchases that aren't in any rewards categories.</P><P>2) Chase Freedom for 5% categories plus for any non-rewards category purchases that don't accept Amex</P><P>3) Discover More for 5% categories</P><P>&nbsp;</P><P>What would you do? Any other ideas?</P> Mon, 01 Oct 2012 13:07:53 GMT Anonymous 2012-10-01T13:07:53Z https://ficoforums.myfico.com/t5/Credit-Cards/Advice-on-Citi-PC/m-p/1618180#M446408 <P>I have two cards from Citi, a Platinum Select Visa (my oldest card) and a Simplicity which I opened for the 0% on a large purchase. I'm done paying off the Simplicity, so I no longer need that card. The CL is high, however, so I don't want to let it go to waste. I contacted Citi and they said that they could not transfer my credit line from the Simplicity to the Platinum Select. Since the Simplicity isn't of much use to me anymore I have two options - SD it or try for a PC.</P><P>&nbsp;</P><P>My current everyday cards are:</P><P>1) Amex BCP for Groceries, Gas (when it's not 5% on Discover More or Chase Freedom), Department Stores (again when not 5% somewhere else), and for all my purchases that aren't in any rewards categories.</P><P>2) Chase Freedom for 5% categories plus for any non-rewards category purchases that don't accept Amex</P><P>3) Discover More for 5% categories</P><P>&nbsp;</P><P>What would you do? Any other ideas?</P> Mon, 01 Oct 2012 13:07:53 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Advice-on-Citi-PC/m-p/1618180#M446408 Anonymous 2012-10-01T13:07:53Z https://ficoforums.myfico.com/t5/Credit-Cards/Advice-on-Citi-PC/m-p/1618570#M446549 <BLOCKQUOTE><HR />@Anonymous wrote:<BR /><P>I have two cards from Citi, a Platinum Select Visa (my oldest card) and a Simplicity which I opened for the 0% on a large purchase. I'm done paying off the Simplicity, so I no longer need that card. The CL is high, however, so I don't want to let it go to waste. I contacted Citi and they said that they could not transfer my credit line from the Simplicity to the Platinum Select. Since the Simplicity isn't of much use to me anymore I have two options - SD it or try for a PC.</P><P>&nbsp;</P><P>My current everyday cards are:</P><P>1) Amex BCP for Groceries, Gas (when it's not 5% on Discover More or Chase Freedom), Department Stores (again when not 5% somewhere else), and for all my purchases that aren't in any rewards categories.</P><P>2) Chase Freedom for 5% categories plus for any non-rewards category purchases that don't accept Amex</P><P>3) Discover More for 5% categories</P><P>&nbsp;</P><P>What would you do? Any other ideas?</P><HR /></BLOCKQUOTE><P>If it is a healthy CL then i would make small purchases on it every now and then to keep it open and reporting good on your reports.. Esepcially since Citi is prime.. if it was a sub prime card with an annual fee i would say SD it or close it</P> Mon, 01 Oct 2012 16:26:44 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Advice-on-Citi-PC/m-p/1618570#M446549 Tommy5746 2012-10-01T16:26:44Z