Any Citi CC issues from 100% util 1 cycle?

[Anonymous]

I wouldn't think this would cause AA on a sound credit profile (which I have) but I just wanted to throw it out there in case there have been examples of it. 

I often run up my DC balance to around 50%-60% of the limit, but always PIF.  This morning with about a week to go before the closing date I was sitting at about 68% utilization and needed to make a pretty large purchase.  I called Citi first to inform them of it, just better safe than sorry of course and let them know I'd be very close to using all of my credit limit following the purchase.  CS just asked a few basic questions and said no problem, thanks for letting us know.  Post-purchase I'm now sitting at 96% utilization.  I have another decent sized purchase that I want to make tomorrow or the next day, so I made a $1000 payment today to take down my balance enough to make that purchase.  After that purchase posts, I'll be at about 98% utilization.  Late this week I'm going to make a large payment to take me down to ~25% utilization before my statement cuts.  

Anyway, this is the first time in a year of having the card that I've actually had to make a second payment during 1 cycle in order to use the card as much as I wanted to.  I wouldn't think this is a bad thing on occasion and hopefully my call in to Citi to touch base was a good thing.  I just wanted to hear from anyone that may have had a bad experience or horror story regarding a Citi account at maxed out utilization temporarily just to add to my anxiety a bit. 

[Kforce]

No info on having large Utill, however have had no issues with paying down 3-4 times during the month.

[Anonymous]

So you were just making 3-4 payments simply because you wanted to, not because you had to due to reaching max utilization then.  I gotcha on that. 

Anyone else that topped out their utilization and saw anything adverse happen as a result?

[CreditCuriosity]

That is what the credit is there for is to use it..  As long as they get paid they should be happy.  See no issues here at all.

[Kforce]

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@Anonymous wrote:

So you were just making 3-4 payments simply because you wanted to, not because you had to due to reaching max utilization then.  I gotcha on that. 

Anyone else that topped out their utilization and saw anything adverse happen as a result?

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I think I got it to about 50-60%, not near 98%, then paid it down.

I do not believe there would be a problem if you are paying it down before the statement cuts.

[Gregory1776]

Wait, what’s your credit limit? It’s not in the siggy lol.

And why didn’t she just increase the limit for you?? Using ~50% of a credit limit and PIF, for many months, and your awesome profile (😜) I’d think they’d increase it,....... 🤔🤔🤔

[Anonymous]

IMHO let your credit work for you, don't work for it.  I just ran up my new Citi DC to 75% with a tax payment. If they want to take AA then good for them, I'll glady drop Citi and never give them my business.

I agree with Greg that running up the balance and paying in full couldn't hurt getting a credit limit increase, and I sure need it because Citi gave me a ridiculously low starting limit.

[Anonymous]

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@Gregory1776Wait, what’s your credit limit? It’s not in the siggy lol.

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$12,300 is my current limit.  Looking to bump that up in 2-3 weeks once my account crosses the 1 year mark.

I agree with what you said above, CC, that your available credit is there to use it.  It's rare that I take a card to it's limit.  In fact, I'm not sure I ever have.  I know that I've never had to make multiple payments on any card in order to use it as much as I wanted.

[UpperNwGuy]

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@Anonymous wrote:

So you were just making 3-4 payments simply because you wanted to, not because you had to due to reaching max utilization then.  I gotcha on that. 

Anyone else that topped out their utilization and saw anything adverse happen as a result?

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Yep, it happened to me.  About ten years ago I had a Citi AAdvantage card with a $40,000 credit limit.  I topped out my utilization at 99%.  They punished me by raising my APR from 13% to 20%.  I got the message.  I called them up and asked them to shut down the credit card.  Then I paid off the $40,000 I owed them over the next four years.

[UpperNwGuy]

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@CreditCuriosity wrote:

That is what the credit is there for is to use it..  As long as they get paid they should be happy.  See no issues here at all.

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That may make sense to YOU, but it doesn't always make sense to the bank.  See my post above.