Re: Citi Home Depot CLD but an extra dollar though

MisterWives · ‎11-27-2020

Looks like they did this actually a month ago and I didn't really notice until now after I got an alert from a credit monitoring system that they decreased the limit.

I'm not really shocked as I don't think I put a single charge on the card since I opened it a year ago or at least for months now as I have no use for the 0% interest promotions they run since I usually always have another credit card with 0% already that I am trying to utilize.

Weird part is they decreased the credit limit from 11k to 5k plus a dollar, so $5,001 not sure why the extra dollar lol

Discover IT Chrome $8,550 | Opened 9/2017 | 2% Restaurant & Gas / 1% Everything

Best Buy Store Card $10,000 | Opened 11/2018

Amazon Store Card $10,000 | Opened 12/2018 | 5% Amazon Purchases (Requires Prime)

PNC Cash Reward Visa $10,500 | Opened 12/2018 | 4% Gas / 3% Restaurant / 2% Grocery / 1% Everything

Chase Freedom $5,200 | Opened 1/2019 | 5% Category Rotation

Amex Blue Cash Everyday $5,000 | Opened 4/2019 | 3% Grocery / 2% Gas / 1% Everything

Banana Republic $10,000 | Opened 6/2019 | Banana Republic 5x pts per $1 / Everything 1x pt per $1

Costco Anywhere Visa $10,000 | Opened 7/2019 | 4% Gas / 3% Restaurant / 2% Costco & Grocery / 1% Everything

Citi Rewards+ $2,000 | Opened 8/2019 | 2x pts Grocery & Gas | 1x pts Everything

BB&T Rewards $4,500 | Opened 8/2019 | 3% Gas / 2% Utilities & Grocery / 1% Everything

PNC Points Visa $1,800 | Opened 8/2019 (PC in 2020) | 4pts per $1

Home Depot Store Card $5,001 | Opened 10/2019

Discover IT $14,500 | Opened 11/2019 | 5% Category Rotation

Synchrony Mastercard $7,500 | Opened 12/2019 | 2% Everything

Capital One Quicksilver $1,000 | Opened 12/2019 (PC in 2020) | 1.5% Everything

Wells Fargo Platinum Visa $6,500 | Opened 4/2020 | No Rewards

Ulta Mastercard $4,900 | Opened 6/2020 | Ulta 1x pt per $1 / Everything 1x pt per $3

Amex Hilton Honors $6,000 | Opened 6/2020 | 7x pts Hilton / 5x pts Restaurants & Gas & Grocery / 3pts Everything

PSECU $10,000 | Opened 6/2020 | 1.5% Everything (2% with Checking and Deposits)

First National Bank of Omaha Platinum Visa $15,000 | Opened 10/2020 | No Rewards

Apple Card $5,000 | Opened 1/2021 | 3% Apple / 2% Apple Pay / 1% Everything

Venmo Credit Card $7,000 | Opened 1/2021 | 3% Category / 2% Category

PenFed Power Cash Rewards Visa $17,500 | Opened 1/2021 | 1.5% Everything(2% with Checking)

Citi Custom Cash $5,000 | Opened 5/2022 | 5% Category

Wants: PenFed Pathfinder Rewards(4x pts travel), PenFed Platinum Rewards Visa Signature (5pts Gas, 3pts Restaurants and Grocery), U.S. Bank Cash+ (5% Categories), Chase Freedom Flex (5% Rotating Categories, 5% Travel, 3% Restaurants)

JR_TX · ‎11-27-2020

Sorry to hear about the CLD.

Looks like you're bothered more by that extra dollar than the CLD itself so why not call them and throw them back that extra 1$ to make it an even $5K?

I know I would.

New cc TLs : 0/6 ; 0/12 ; 0/24 | HPs EX 3 EQ 3 TU 4 | AAoA 7y10m | UTIL 1% - 4% | $300K+ Total Limits

AverageJoesCredit · ‎11-27-2020

Citi is in cahoots with Sync clds. The $1 is to remind you that all you need to do is actually buy something for a buck to stop the Cld Posse. I didnt even get the buck so just shows how truely Average i am

Moneyklutz · ‎11-27-2020

@AverageJoesCredit wrote:
.... I didnt even get the buck so just shows how truely Average i am

Umm...not to us you're not!

FinStar · ‎11-28-2020

@MisterWives wrote:
Looks like they did this actually a month ago and I didn't really notice until now after I got an alert from a credit monitoring system that they decreased the limit.

I'm not really shocked as I don't think I put a single charge on the card since I opened it a year ago or at least for months now as I have no use for the 0% interest promotions they run since I usually always have another credit card with 0% already that I am trying to utilize.

Weird part is they decreased the credit limit from 11k to 5k plus a dollar, so $5,001 not sure why the extra dollar lol

Why not use it? The next step-down is closure unless you don't mind the account being closed for inactivity, especially after 12 months. Typically, they can be good for alerting customers about any potential closure, but in a variety of cases one tends to find out after the fact.

blindambition · ‎11-28-2020

@FinStar wrote:
@MisterWives wrote:
Looks like they did this actually a month ago and I didn't really notice until now after I got an alert from a credit monitoring system that they decreased the limit.

I'm not really shocked as I don't think I put a single charge on the card since I opened it a year ago or at least for months now as I have no use for the 0% interest promotions they run since I usually always have another credit card with 0% already that I am trying to utilize.

Weird part is they decreased the credit limit from 11k to 5k plus a dollar, so $5,001 not sure why the extra dollar lol
Why not use it? The next step-down is closure unless you don't mind the account being closed for inactivity, especially after 12 months. Typically, they can be good for alerting customers about any potential closure, but in a variety of cases one tends to find out after the fact.

+1

HD is a good card to have, I'd find some legitimate spend. That CLD won't be easy to get back, CLI are more difficult than Lowe's, and are HP.

AverageJoesCredit · ‎11-28-2020

@Moneyklutz wrote:
@AverageJoesCredit wrote:
.... I didnt even get the buck so just shows how truely Average i am

Umm...not to us you're not!

Thanks @Moneyklutz . Still havent used my cld HD🤯😋

AverageJoesCredit · ‎11-28-2020

@blindambition wrote:
@FinStar wrote:
@MisterWives wrote:
Looks like they did this actually a month ago and I didn't really notice until now after I got an alert from a credit monitoring system that they decreased the limit.

I'm not really shocked as I don't think I put a single charge on the card since I opened it a year ago or at least for months now as I have no use for the 0% interest promotions they run since I usually always have another credit card with 0% already that I am trying to utilize.

Weird part is they decreased the credit limit from 11k to 5k plus a dollar, so $5,001 not sure why the extra dollar lol
Why not use it? The next step-down is closure unless you don't mind the account being closed for inactivity, especially after 12 months. Typically, they can be good for alerting customers about any potential closure, but in a variety of cases one tends to find out after the fact.
+1
HD is a good card to have, I'd find some legitimate spend. That CLD won't be easy to get back, CLI are more difficult than Lowe's, and are HP.

Credit lines can be found elsewhere. Ive already regained my $2500 and then some elswhere

Citi Home Depot CLD but an extra dollar though

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Citi Home Depot CLD but an extra dollar though