Citi Diamond Preferred UPDATE...another ? for anyone plz.

[GApeachy]

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@Brian_Earl_Spilner wrote:

I would think that them changing the offer could open up an opportunity to have the account and inquiry removed from your reports. 

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Has anyone ever done that before with a cc?  I wouldn't mind doing that

[Brian_Earl_Spilner]

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@GApeachy wrote:

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@Brian_Earl_Spilner wrote:

I would think that them changing the offer could open up an opportunity to have the account and inquiry removed from your reports. 

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Has anyone ever done that before with a cc?  I wouldn't mind doing that

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Yes, it's been done before, with multiple lenders. You just have to have a really, really good reason. I would reach out to the executive office and see what they say. One thing to keep in mind, I don't know if Citi will flag you in their systems for future applications. The whole past relationship thing and whatnot.

[GApeachy]

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@Brian_Earl_Spilner wrote:

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@GApeachy wrote:

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@Brian_Earl_Spilner wrote:

I would think that them changing the offer could open up an opportunity to have the account and inquiry removed from your reports. 

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Has anyone ever done that before with a cc?  I wouldn't mind doing that

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Yes, it's been done before, with multiple lenders. You just have to have a really, really good reason. I would reach out to the executive office and see what they say. One thing to keep in mind, I don't know if Citi will flag you in their systems for future applications. The whole past relationship thing and whatnot.

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Oh!  I don't like flags....hard pass then.

[M_Smart007]

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@GApeachy wrote:

UPDATE: My bt offers, which included bt check into personal checking acct. and/or a check sent to me, was pulled back early.  My offers are still good for a while longer and I just noticed they took that on option away.  Is that normal to change things before the deadline?

CSR said they did this for all new accts....does not make sense.

ETA: accidentally erased the part where the bt offer is no longer 21 months, now 18 months.

Just a heads up if it hasn't already being posted:

They took away the offer for a bt check to be deposited into my acct. too. (sux, wasted my time as that was the only reason I picked up this card)

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@GApeachy, Do not feel bad. as All my Citi offers have been pulled on both My DC cards.

I still have existing 0% Prom APR on one, and 3.99% on another. 

These are both older accts. They pulled the Flex pay also. (My Citi FICO Score is at an all time high)

Seems many (not all) lenders are pulling BT offers.

I am currently carrying 0% BT's on Chase, PenFed and NFCU Platinum,

to the tune of about $17.5K .. I am paying them down drastically.

(was not used for frivolous spend)

Chase $12.4K = 0% APR

NFCU $1.8K = 0% APR

PenFed  $3.2K = 0% APR

[M_Smart007]

@GApeachy, I see the all watching "EYE" is back ..

I have to be carefull, as I feel like you are watching

[GApeachy]

@M_Smart007  okay, so this is nOT unusual. ty

[GApeachy]

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@M_Smart007 wrote:

@GApeachy, I see the all watching "EYE" is back ..

I have to be carefull, as I feel like you are watching

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I am......"I saw what you did!" lol, back at cha!I changed it back...feel safer now? lol

[M_Smart007]

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@GApeachy wrote:

@M_Smart007  okay, so this is nOT unusual. ty

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No, I do not think so. I think it is the new normal for a while, lenders need the cash on hand.

And I think they don't want to be stuck "Holding the empty bag" so to speak.

I think they are very skiddish about who has the ability to "Repay" right now.

Chase & Amex have been going crazy with SP'ing my EX report. (more so than ever)

So they are really watching right now. .. even though my spending habits have not reallly changed.

If anything, I have cut back. Just due to not being able to do some of the "Normal" things.

JPMCB

Inquired on 06/27/2020, 06/26/2020, and 06/23/2020, 06/22/2020, 06/20/2020, 06/19/2020, and 06/03/2020

AMERICAN EXPRESS 2

Inquired on 07/01/2020

I have had ZERO AA, but then .. I do not give them a reason to.

All Sync accounts/limits are intact.

[AverageJoesCredit]

Stinks Peachy. I have that card , had bt offer after original but since i never took it nor my Flex Loan opportunity, never got them again. 

The thing about depositing  straight into checking , was it explicit on that you can do that. I know some lenders offer it to some but not to others like Disco. When i had Disco bt offers i could bt into my checking but if i recall, @joltdude  could not. I liked that feature with Citi but i guess thats long gone. If you have a CU card that allows you to pullout  full limit of card you could pull out cash that way and pay back with the bt. Thats what i just did with Navy/ PSECU before my bt offer is gone. Only way i can survive until i get my unemployment checks. 

[GApeachy]

@M_Smart007  scary indeed.....

Unless my creditors/lenders whatever they are are looking at me I can't find too much in my reports I get.  I've had a few AR's but it's like one here and one there.  I don't carry a phat wallet tho...I'm a peon.