Can we ask Citi for CLI at card activation?

[Anonymous]

Of course it's a toll free call. I just want to give them time to digest it is all. maybe I need to feed them some Ex-Lax. LOL

[Red1Blue]

I could not wait.  I called again last evening. They said my App for FlexLOC is still being processed. I am going to wait till end of this week before I call again.

[Anonymous]

Thanks concord for the update. I can see where they may need more time for a LOC rather than a cc.

I think I will call them this afternoon and check on the one that's still pending. As a side note, I haven't received the CashReturns card I applied for on 2/26. But they said in their e-mail give them 10 days.

Playing the waiting game is soooooo hard to do. lol

[Anonymous]

This has peaked my curiosity slightly. As far as I can tell, there isn't much of a difference really between a LOC and CC. As CCs have rewards, why would you opt for a LOC?

[Anonymous]

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FretlessMayhem wrote:
This has peaked my curiosity slightly. As far as I can tell, there isn't much of a difference really between a LOC and CC. As CCs have rewards, why would you opt for a LOC?

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A LOC is usually accessed by check, which can be converted into cash without paying cash advance fees or cash advance APRs that are associated with CCs.

[Red1Blue]

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cheddar wrote:

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FretlessMayhem wrote:
This has peaked my curiosity slightly. As far as I can tell, there isn't much of a difference really between a LOC and CC. As CCs have rewards, why would you opt for a LOC?

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A LOC is usually accessed by check, which can be converted into cash without paying cash advance fees or cash advance APRs that are associated with CCs.

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Make sure to read the fine print. This is only if you are on the original APR. For some reason if they change the APR then there is cash advance fees and all other things.

[Anonymous]

concord, Oh what a wonderful day! For more than one reason

Reason #1: I received the Citi CashReturn M.C. today in the mail! Not a bad turn around time. 8 days from time of applying on line to card in hand.

The second reason is I AM APPROVED for the Citi DiamondPreferred card I applied for 2 days ago!!! Opening credit limit: $7,500......same as the CashReturns card! Incredible! I'm still in a state of shock.

The CSR I spoke to to activate the C.R.card was very nice. Had a lovely conversation with her. She's in a call center in northern Kentucky. We talked about the weather, and the primaries last night. lol.

She then transferred me to the approval hotline for status questions. It's located in Manila, Philippines. Very nice girl, but a little hard to understand because of language barrier and phone service.

crud. I was so excited when the girl told me I was approved for the DiamondPreferred, I forgot to ask her WHAT kind of card it is?? Visa, or M.C. lol. I'm such a ditz at times.

With these 2 cards plus the Discover, I have entered into a new era of my credit life. I now no longer want or need any other cards. All of my goals have been met as far as acquiring cards goes. It's now time to enter into the maturing age.

The app'ing spree is over. Now it's time to start with the closing spree.

[Red1Blue]

Great News Sylvia. Congrats again. I forgot what is the CL they gave you on the Cash Rewards card? Did you ask them about your FlexLOC status yet? Let me know how you make out on that.

[Anonymous]

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@Red1Blue wrote:

Great News Sylvia. Congrats again. I forgot what is the CL they gave you on the Cash Rewards card? Did you ask them about your FlexLOC status yet? Let me know how you make out on that.

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Thanks. The cl on the Diamond Preferred is $7,500. Same as the CashRewards.

I did not ask them for a FlexLOC concord. Never did. Sorry if I confused you.

[Red1Blue]

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@Anonymous wrote:

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@Red1Blue wrote:

Great News Sylvia. Congrats again. I forgot what is the CL they gave you on the Cash Rewards card? Did you ask them about your FlexLOC status yet? Let me know how you make out on that.

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Thanks. The cl on the Diamond Preferred is $7,500. Same as the CashRewards.

I did not ask them for a FlexLOC concord. Never did. Sorry if I confused you.

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I know you did not mention about asking them. When do you think we should call to find out? I applied on Monday, I am thinking I might give them a call on Friday.  Or should I wait till middle of next week to find out? What do you think? Suspense is killing me.