cancel
Showing results for 
Search instead for 
Did you mean: 

Spilled Coffee,Citi Retail Credit and Karma

tag
UH_HUH
Valued Contributor

Spilled Coffee,Citi Retail Credit and Karma

 Hello to everyone,

I was recently  notified by a CRA that

my Citi Macys Amex was chopped in half to 12.5K

Havent used it in over a year. That got my attention.

 

 I went to the website and asked for it all 

back, because it never hurts to ask.

Started filling out the  CLI request

 and put in 25K desired new limit and it says no dice.

 Then I look and says read document.

 I did and they said they would give me 24K.

 I thought losing 1K in credit stunk.

 Then I realized that to get to 25K I had months 

worth of 2K CLI's so getting 11.5K CLI maybe wasn't

that bad,but it still bugged me.

 

 That happened two days ago and today I was sitting in

bed when I spilled my coffee from my nightstand into

the open drawer below. As I was trying to sort out the soggy

stuff from the dry things I noticed an orange card,Home Depot,

with the sticker still on it that tells

you to call to activate.

 

 Well I knew it was activated, but had a less then desirable

1K limit, so I had never used the thing and it had made it's

way into the bottom of my drawer.

 I then went to the website and, after several tries guessing 

my password,applied for a CLI from a citi card I have never used.

 I put in 4K as desired CLI,

I now realize this was a mistake as it was instantly approved,

left some on the table.

 

 So in the course of two days Citi took away 12.5K

Then gave back 15.5K.

I'm calling that good Karma

on some bad spilled coffee :-)

No hp's

*Update* Citi did pull my credit,luckily it was my best one Equifax,Fico8 794

Cheers


Screenshot_2024-02-09-13-27-35-539.jpg

 

Screenshot_2024-02-12-12-02-38-131.jpg

Message 1 of 27
26 REPLIES 26
youngandcreditwrthy
Senior Contributor

Re: Spilled Coffee,Citi Retail Credit and Karma

just does to show how dumb these people are LOL

 

CONGRATULATIONS ARE IN ORDER!!!! :-) I wish they'd turn the home depot card into a visa or mc. haha

 

what a win!!!!!

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 2 of 27
TekkenQQ7
Established Contributor

Re: Spilled Coffee,Citi Retail Credit and Karma

Congratulation, you  @UH_HUH got me thinking i should accept the $4000 offer from Home Dipot.



Message 3 of 27
CorpCrMgr1
Valued Contributor

Re: Spilled Coffee,Citi Retail Credit and Karma

Congratulations! At the end of the day it's still the end of the day!

Message 4 of 27
Linnaea
Frequent Contributor

Re: Spilled Coffee,Citi Retail Credit and Karma

To summarize don't cry over spilt milk in this case spilt coffee!  Congrats ! 

Message 5 of 27
UH_HUH
Valued Contributor

Re: Spilled Coffee,Citi Retail Credit and Karma


@youngandcreditwrthy wrote:

just does to show how dumb these people are LOL

 

CONGRATULATIONS ARE IN ORDER!!!! :-) I wish they'd turn the home depot card into a visa or mc. haha

 

what a win!!!!!


High Five @youngandcreditwrthy 🙏👍 I am just one of those people that likes to test the limits of what you can do with credit. Never know till you try

Cheers 🍻

Message 6 of 27
UH_HUH
Valued Contributor

Re: Spilled Coffee,Citi Retail Credit and Karma


@TekkenQQ7 wrote:

Congratulation, you  @UH_HUH got me thinking i should accept the $4000 offer from Home Dipot.


Thanks for the post @TekkenQQ7 

Really appreciate it. As far as you accepting 4K from Home Depot....you haven't  applied for credit in two years and that's what they gave you. Probably won't get any higher of a SL.

They did pull Equifax for my CLI just so you know that to. Could always see what Synchrony would give you on a Lowes card on their pre approval site. That card grows like a weed 😉

Message 7 of 27
TekkenQQ7
Established Contributor

Re: Spilled Coffee,Citi Retail Credit and Karma


@UH_HUH wrote:

@youngandcreditwrthy wrote:

just does to show how dumb these people are LOL

 

CONGRATULATIONS ARE IN ORDER!!!! :-) I wish they'd turn the home depot card into a visa or mc. haha

 

what a win!!!!!


High Five @youngandcreditwrthy 🙏👍 I am just one of those people that likes to test the limits of what you can do with credit. Never know till you try

Cheers 🍻


@UH_HUH that's funny, but It's called credit Addict.



Message 8 of 27
UH_HUH
Valued Contributor

Re: Spilled Coffee,Citi Retail Credit and Karma


@Linnaea wrote:

To summarize don't cry over spilt milk in this case spilt coffee!  Congrats ! 


I love milk 😪 LOL!!!!!! 

Just just having some fun @Linnaea 

Thank you kindly for the post.

I appreciate it 😁

Cheers

Message 9 of 27
UH_HUH
Valued Contributor

Re: Spilled Coffee,Citi Retail Credit and Karma


@TekkenQQ7 wrote:

@UH_HUH wrote:

@youngandcreditwrthy wrote:

just does to show how dumb these people are LOL

 

CONGRATULATIONS ARE IN ORDER!!!! :-) I wish they'd turn the home depot card into a visa or mc. haha

 

what a win!!!!!


High Five @youngandcreditwrthy 🙏👍 I am just one of those people that likes to test the limits of what you can do with credit. Never know till you try

Cheers 🍻


@UH_HUH that's funny, but It's called credit Addict.


Yeah not gonna argue that one @TekkenQQ7 Mans gotta have a hobby though 😉

Best of luck on all your credit decisions,

Cheers

Message 10 of 27
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.