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Someone else got it...got mine today also. Got the same 'access to credit line' from the CSR. I beleive they are circumventing the new regulations. Filed complaints with both my senators and House rep also the Senate and House banking committees, and the OCC in Treasury along with an email to the White House
I can pay mine off by November 30th.. and then it will sit in the sockdrawer along with 4 Citi-backed gas cards and HD. Let them close them and then there will be more complaints (are they being charged 29.99% by the Taxpayer?)
Sorry to heat about this Credit craziness and the RJ you got. try not to take this personal. this is just because of the credit climate. but you need to playt he game also. try to tranfer to another card to replace to possible or potential CL loss, do this while your credit is good and then keep the citi card a zero and if you use it once evry 6 months PIF.
If you close the card you will lose AAA and CL. this will affect your score. do not worry about whether they will close it or not leave that up to them. but open another door for yourself while you can.
I know that creditwherecreditisdue has posted several times about asking for a retention specialist and bypassing the regular CSR's when trying to reverse an AA. You might try that. It couldn't hurt.
(myfico)
7/09 TU-742 EQ- 779
8/09 TU-765 EQ- 783
9/09 EX pulled by lender 802
CC interest free as of 8/09
Time can heal all wounds and a low FICO.
"Hello my name is Sandy and I'm a recovering crediholic".
Just talked to my mom, they also raised her rate to 29.9 on her 19k cl citi card.
I mean I think people could handle 9 up to 14 or something but going from 9 to 29 that's just not ethical.
although if I had the choice between a rate jack like this and a closed account like Bank of America, I would take the rate jack!
@Anonymous wrote:
I keep hearing 'credit climate'.. it does not justify doubling my rate especially with a clean history (never late, no collections etc). They are circumventing the new regulations (raise everyone now while they can). Sorry no, I WILL NOT take it lying down - I WILL raise a big stink. Heck, I'm tempted to organize a class-action against them as BofA's customers have done.
I agree with you. That increase is too big of a climb to have a clean history.
Add us to the list...
DW opened the account in 2000.. managed to get down to a 5.24%F, added me as AU, got CL increased over this past year from 6,800 to 11,300.. RJ'd early this year from 5.24% to 15.99%, called and retention got us back down to 10.24%. Just got the 29.99% letter on Saturday, Nov 20th opt-out date. Was nice of them to wait until the first time we didn't PIF and are carrying a $3650 balance and have no BT offers available.
Awesome.
@Anonymous wrote:Add us to the list...
DW opened the account in 2000.. managed to get down to a 5.24%F, added me as AU, got CL increased over this past year from 6,800 to 11,300.. RJ'd early this year from 5.24% to 15.99%, called and retention got us back down to 10.24%. Just got the 29.99% letter on Saturday, Nov 20th opt-out date. Was nice of them to wait until the first time we didn't PIF and are carrying a $3650 balance and have no BT offers available.
Awesome.
Wow! New Jack Citi out of control. Maybe I'll be getting my letter after the teaser rate is over.