topic Re: Citibank Question in Credit Cards

Citibank Question

Anonymous — Tue, 11 Sep 2007 01:16:47 GMT

I have an equifax score of 633 after a long hard road. Five months ago it was a 412. Yeah I said 412. Today its a 633. Still have a ways to go. I applied for a citibank card and after calling in after verifying some info due to a fraud alert they gave me a measley $500 limit. I have a few other cards with the highest being $1070. THis is my first prime card so I am happy. 0% apr for 12 months. I have very low utilization like at 3%. Does anyone know a strategy of getting them to increase my limit? I have to baddies from 05 still on report. Since then I have been great, being all of negatives have been paid and DELETED.

Re: Citibank Question

Anonymous — Tue, 11 Sep 2007 01:41:00 GMT

Charge some, pay it off. Carry a small balance less than 9 percent. Try to wait past six mos- really try to wait one year. Should definintly get one at one year.

Re: Citibank Question

Anonymous — Tue, 11 Sep 2007 17:04:22 GMT

@Anonymous wrote:
I have an equifax score of 633 after a long hard road. Five months ago it was a 412. Yeah I said 412. Today its a 633. Still have a ways to go. I applied for a citibank card and after calling in after verifying some info due to a fraud alert they gave me a measley $500 limit. I have a few other cards with the highest being $1070. THis is my first prime card so I am happy. 0% apr for 12 months. I have very low utilization like at 3%. Does anyone know a strategy of getting them to increase my limit? I have to baddies from 05 still on report. Since then I have been great, being all of negatives have been paid and DELETED.

I have Citi. They are VERY generous with CLIs. They may start you off low, but be patient. You'll get up to the 5 digits in no time. Only took me a year to get from 3.5k to 11.6k.

Re: Citibank Question

Tuscani — Tue, 11 Sep 2007 17:39:46 GMT

Agreed. Citi is extremely generous as long as you are responsible.

Re: Citibank Question

Anonymous — Tue, 11 Sep 2007 19:17:21 GMT

Right, I first started with low 500.00 4 mos ago, now i'm at 4.5K. they do hard pull when you ask online, but worth it.