The banks aren't hurting. JPMorgan rises above rivals with record annual profit of $49 billion. That should be jaw-dropping to most folks. This is pure PROFIT. Net all their expenses.
I made quite a bit of money betting on the banking sector when I bought stocks in them back in 2020. I have recently sold most of those shares due to all time highs.
But, to the OP, I've charged over 50k on my Citi AA Executive Card and haven't paid a red cent of interest. Yet, they won't increase my limits, its been roughly 9 months since I opened that account. They're the only bank in my wallet that won't increase my limits. I'm almost never 0/6 or 0/12. I'm always doing something with my company that from time to time that incurs a HP. So, its safe to say, Citi is certainly inquiry-sensitive.
Fico Scores: F9 EQ 791 TU 803 EX 781 (Oct 2024 updated)
Virtually slap me if I apply for anything else before August 2026 and remind me I'll never get my U.S. Bank Altitude Reserve Visa Infinite (USBANK retired this card this card in 2024).
In garden from July 27th 2024 to August 2026.
New Accounts: 6/12 11/24. DTI less than 5%. TCL Personal 333,163. Auto loan: SETF (estimated) initially owed 47000 / Current 32000 owed @ 60 months / 3.75% / April 2023 origination
