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Citi credit limit decrease

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ElvisCaprice
Valued Contributor

Re: Citi credit limit decrease


@ptatohed wrote:

(Don't forget, the citi DC can be a 3% card if you pay the bill with the right 1% debit card!  Smiley Wink  )

 


If one is fortunate to make this work.  Never worked for me (with a CB debit card that I couldn't already MS).  But then my spend is so low with Citi, it doesn't matter.

BofA: Citi:US Bank:Chase:Aven:RH:Barclays:

Clean, Thick, Mature (Always PIF)

HP's: EQ 0/6, 2/12 | TU 1/6, 2/12 | EX 1/6, 1/12

New Accounts: 3/6, 5/12

TCL/Income = 39%

Message 11 of 15
ptatohed
Senior Contributor

Re: Citi credit limit decrease


@ElvisCaprice wrote:

@ptatohed wrote:

(Don't forget, the citi DC can be a 3% card if you pay the bill with the right 1% debit card!  Smiley Wink  )

 


If one is fortunate to make this work.  Never worked for me (with a CB debit card that I couldn't already MS).  But then my spend is so low with Citi, it doesn't matter.


It worked (works) for me, I just find it a pain that it has to be called in every time.  The citi TY card (for the short time that it worked) was easy - it could all be done on-line.  The citi DC "3%" still works for me, there's just no reason for me to do it with my 4% Smartly.    

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi CUSTOM CASH “C” // citi ThankYou (5% gas, lucrative spending offers) // mylowe’s Rewards // Target circle card

Rotating 5% CB:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)
Message 12 of 15
ElvisCaprice
Valued Contributor

Re: Citi credit limit decrease


@ptatohed wrote:

@ElvisCaprice wrote:

@ptatohed wrote:

(Don't forget, the citi DC can be a 3% card if you pay the bill with the right 1% debit card!  Smiley Wink  )

 


If one is fortunate to make this work.  Never worked for me (with a CB debit card that I couldn't already MS).  But then my spend is so low with Citi, it doesn't matter.


It worked (works) for me, I just find it a pain that it has to be called in every time.  The citi TY card (for the short time that it worked) was easy - it could all be done on-line.  The citi DC "3%" still works for me, there's just no reason for me to do it with my 4% Smartly.    


But as you know, if it works for Citi CC payments, it will work with a money center online for funding, thus no calls.  Just use autopay for Citi.

BofA: Citi:US Bank:Chase:Aven:RH:Barclays:

Clean, Thick, Mature (Always PIF)

HP's: EQ 0/6, 2/12 | TU 1/6, 2/12 | EX 1/6, 1/12

New Accounts: 3/6, 5/12

TCL/Income = 39%

Message 13 of 15
CreditCuriosity
Moderator Emeritus

Re: Citi credit limit decrease

CL restored like last time.

Why we're contacting you
Congratulations! We are pleased to inform you that the credit limit on your Citi account has been restored to $20000, effective immediately

Message 14 of 15
MJ-san
Frequent Contributor

Re: Citi credit limit decrease

Ugh. I've done the reinstate a few times before. I also got hit with this on 2 cards - double cash and custom cash. Both reduced by about 2500 to around 15k. They didn't touch any other cards (Costco, Strata Elite, Macys, Bestbuy Visa, ThankYou). My total exposure is kind of insane, so it's not like I'm going to miss it and I pay off monthly, it's just the bad feeling of having something taken away Smiley Happy 

I also wonder if the recently moved Aviator -> AAdvantage card tickled their exposure algo to flag me - that added 30k more. 

I **so wish** Citi would do what Chase, Amex, Cap1, and the like do with allowing one to reallocate credit limits. 

Message 15 of 15
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