Citi Custom Cash

[dudley]

Hi.

I have a simple question.

I have a Citi Custom Cash with a $24000 limit. I currently use AMEX BCP for groceries.

I am not really using the Citi Custom Cash for much. I use AMEX BCP and Chase Freedom Unlimited for my daily spend. If I use it for groceries only if/when I hit the AMEX $6000 6% grocery cap and for nothing else, is that going to cause an adverse reaction from Citi to only get a $500 balance, each month,  for 1-2 months at most? If a decent merchant offer from Citi comes along, I might use it for that.  Of course, I pay all of my credit cards (3) in full every month.

I guess that I will pop through $6000 cap by November, if grocery prices do really rise.

Or I could just let Custom Cash get canceled, as I already have the other 5% categories covered on my other cards.

This is just a third credit card, when I am only using two everyday.

[GZG]

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@dudley wrote:

Hi.

I have a simple question.

I have a Citi Custom Cash with a $24000 limit. I currently use AMEX BCP for groceries.

I am not really using the Citi Custom Cash for much. I use AMEX BCP and Chase Freedom Unlimited for my daily spend. If I use it for groceries only if/when I hit the AMEX $6000 6% grocery cap and for nothing else, is that going to cause an adverse reaction from Citi to only get a $500 balance, each month,  for 1-2 months at most? If a decent merchant offer from Citi comes along, I might use it for that.  Of course, I pay all of my credit cards (3) in full every month.

I guess that I will pop through $6000 cap by November, if grocery prices do really rise.

Or I could just let Custom Cash get canceled, as I already have the other 5% categories covered on my other cards.

This is just a third credit card, when I am only using two everyday.

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FICO scoring likes to see three open cards, so closing it will probably result in a score loss.

I wouldn't put any spend on the card beyond the $500 in one category per month for the 5% category.

I would keep it open and if you need another card for additional grocery spend, I would look into another grocery card. 

[cashorcharge]

As long as your putting usage and payments on that Citi account...a few hundred bucks a month will not be an issue in relation to your account status with them.  With low usage, you may not get a lot of CLI's...but you won't have any adverse affects.

[dfwxjer]

My custom cash limit is higher than that and I only put $500 a month on it at the grocery store. Once we hit $500 on it we switch to my wife's custom cash card for the rest of the month. 

I've kinda been wondering the same thing. Originally mine was an AAdvantage card where we used as our primary card so it saw significant spend. Once I PC'd it to the custom cash the balance hasn't gone above $500.