Exxon Mobil CC from citibank

[oracles]

I am thinking about getting this exxon mobil citibank card. It has an offer for 30 cents off each gallon for the first 60 days and 15 cents afterwards. I use mobil all the time. My questions are 1- )Do they give very good CLI's? 2- )at what month(s) do they give CLI? 3- )Should I ask for a CLI at activation? 4-) Is this a good card?

If this card has grown with you, can you please tell me how?

Any information will be appreciated

thanks

Message Edited by oracles on 12-30-2008 01:27 AM

[Anonymous]

I have to admit the bonus offer is the main attraction, and if you use Exxon/Mobil then it can pay huge rewards. As far as CLI's its Citi. History has shown they can be generous, but with the times we are facing who knows. As far as asking for a CLI at the start, I would probably avoid that until about six months of having the card.

[Anonymous]

I use the Mobil card once a week to gas up the old war wagon. When I applied (in NY) they pulled TU and they started me off with a 3k line. My line now is 7k - after having this card 2 years. During this past summer, when gas was $4.69 I ran up about $250 a month in fees and ALWAYS did a PIF. Now gas is about $1.95 and I don't spend nearly as much, but I still PIF. Additionally, this card came with a speed pass swipe - makes filling up a little easier. 

I never asked for cli, but after 6 months they did a soft pull before increasing my line from 3k to 3.5 then increased in $500 increments every 6 months or so. Always a soft pull on TU. 

Since I use this card only for purchasing gas - I am happy with my present line of 7k. The card also has a cash advance feature.

  .

[oracles]

Thanks everyone

I too am in NY so this will help me with its reward feature. I will probably only use it for gas purchases and then PIF.  Thanks

[oracles]

one more question, I am assuming this card reports the credit limit?

Thanks

[Anonymous]

So you have a 7'000 limit on a gas card o my lol my thing is thats great an all but why would one need a limt like that for just a gas card unless it's a visa or mc?

[oracles]

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@Anonymous wrote:

So you have a 7'000 limit on a gas card o my lol my thing is thats great an all but why would one need a limt like that for just a gas card unless it's a visa or mc?

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That is what cobra has, an ExxonMobil MC, that is why he has a 7k limit.

[llecs]

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mjbfan79 wrote:

So you have a 7'000 limit on a gas card o my lol my thing is thats great an all but why would one need a limt like that for just a gas card unless it's a visa or mc?

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I can't speak for $7k, but I manage my in-laws Exxon account. Between 5 different users, during the peak of prices in the summer, they were spending $2500 each month and would PIF. Some of these purchases were biz-related on this personal card and would float a balance of up to $5000 factoring in time between statement mailings, check delays, etc.

[Anonymous]

I HAVE A 1 YEAR CREDIT HISTORY LESS THAN 6 MONTHS OLD 15 INQUIRES BUT I GOT APPROVED JUST LAST WEEK FOR EXXON MOBIL CC FROM CITI $750.

I GUESS THEY WILL GIVE U A HIGH CL 

[Anonymous]

Yes, the Exxon/Mobil card reports the credit limit every month.

When managing this account - or any credit account - the key isn't the line of credit, it's making sure you pay the bill (preferably in full) each month.

Message Edited by cobra19 on 12-30-2008 12:30 PM