Frustrated with Citi

[Callandra]

I'm not trying to be rude but your profile just doesn't support the CLI right now. Credit limits are determined by credit profile and income (and usage to an extent); if Citi doesn't feel like you meet their requirements, then you're sort of stuck. I suggest just gardening for 6-12 months and then trying again. I also agree with stopping with the CLI button -- it might be flagging your account internally.  

[Anonymous]

I personally like my citi card, with the exception of the lower than usual starting limit I received on my DC card which seems to be the norm.

They offer good rewards, easy to claim and straightforward. They don't try to screw you around like AMEX.

When it comes to APR I've never concerned myself with it. I never carry a balance.

[noobody]

Citi did op a big favor by refuse HP his report on CLI request.

He/she should be grateful to be approved with boardline CS and gardening to improve his/her file.

[icyhot]

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@noobody wrote:
Citi did op a big favor by refuse HP his report on CLI request.

He/she should be grateful to be approved with boardline CS and gardening to improve his/her file.

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Wait, grateful to be approved, for a 5 year old card? That ships sailed no? lol and I get gardening. At this point I can only improve my AAOA.....but 700+ is borderline? Well I'll be darned 

[FinStar]

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@icyhot wrote:

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@noobody wrote:
Citi did op a big favor by refuse HP his report on CLI request.

He/she should be grateful to be approved with boardline CS and gardening to improve his/her file.

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Wait, grateful to be approved, for a 5 year old card? That ships sailed no? lol and I get gardening. At this point I can only improve my AAOA.....but 700+ is borderline? Well I'll be darned 

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Well, there's always that option that's been mentioned upthread.  You can part ways and be done with that card.  Keep in mind, Citi also bases their CLI on internal behavioral scoring (not just your external FICO).  Plus, if you've recently opened several cards within the last ~6 months or so then all you can do is be patient or just call it deuces.  Not every lender or product will work for everyone.

[Chris679]

Yes 700 is borderline when you are talking about rewards cards. Also they are going off the SP they have on file so it can take months for changes on your report to update in their system.

[kdm31091]

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@FinStar wrote:

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@icyhot wrote:

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@noobody wrote:
Citi did op a big favor by refuse HP his report on CLI request.

He/she should be grateful to be approved with boardline CS and gardening to improve his/her file.

---

Wait, grateful to be approved, for a 5 year old card? That ships sailed no? lol and I get gardening. At this point I can only improve my AAOA.....but 700+ is borderline? Well I'll be darned 

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Well, there's always that option that's been mentioned upthread.  You can part ways and be done with that card.  Keep in mind, Citi also bases their CLI on internal behavioral scoring (not just your external FICO).  Plus, if you've recently opened several cards within the last ~6 months or so then all you can do is be patient or just call it deuces.  Not every lender or product will work for everyone.

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Although of course the decision to close should be weighed carefully since the Forward can't be re-obtained, it seems OP is geniuinely unhappy with the card overall (and has said so in the past too).

So I do think gardening is the way to go but also if the card just isn't doing it for you then just move on.

[Sharingan]

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@kdm31091 wrote:

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@FinStar wrote:

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@icyhot wrote:

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@noobody wrote:
Citi did op a big favor by refuse HP his report on CLI request.

He/she should be grateful to be approved with boardline CS and gardening to improve his/her file.

---

Wait, grateful to be approved, for a 5 year old card? That ships sailed no? lol and I get gardening. At this point I can only improve my AAOA.....but 700+ is borderline? Well I'll be darned.

---

Well, there's always that option that's been mentioned upthread.  You can part ways and be done with that card.  Keep in mind, Citi also bases their CLI on internal behavioral scoring (not just your external FICO).  Plus, if you've recently opened several cards within the last ~6 months or so then all you can do is be patient or just call it deuces.  Not every lender or product will work for everyone.

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Although of course the decision to close should be weighed carefully since the Forward can't be re-obtained, it seems OP is geniuinely unhappy with the card overall (and has said so in the past too).

So I do think gardening is the way to go but also if the card just isn't doing it for you then just move on.

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I fully agree. It does appear as though the Forward isn't quite a good fit for the OP anymore based on previous posts; and although many would consider it an act of irreverence in the case of the Citi Forward, I truly believe, from a pragmatic perspective, that people should not saddle themselves with products that cause vexation. Regardless, if the OP is firm in keeping the card, then I would agree with sentiments from earlier posts suggesting patience and "gardening." I would further suggest not arguing with analysts either. Citi's employees aren't going to give into your demands when they conflict with established guidelines and procedures. 

[icyhot]

Lol @ 700 being borderline for rewards cards. Trust me I wasn't trying to argue with the lady, just wanted a real solution that fit my situation instead of some roundabout answer that they give everyone. A lot of these CCC employees think the genpop of their consumers aren't as savvy and will tell you anything if you let them. I have talked about unhappiness with the Forward in the past, but I think if it's just a matter of waiting and letting my accounts age, why give up on my oldest card?

[CreditMagic7]

Assuming that you went thru the EO Dept. i found them fairly enough on level in my experience before (CLI Request via HP) BUT it's been well over a year now (with the CDP card) since i even troubled to go that route.

If you were dealing with a CSR and/or a CSR Manager that would be of very little use when it comes to expressing your interest in a CLI and actually coming away with anything but having a Citi Credit Analyst associate (they pass it over to Senior Analyst) to deal with, the chances are if they say no then it's in stone.

Share the same frustration (for differing reasons) but sometimes your left with little choice but just to sit matters out and come back again later for another try.

I would suggest for what it's worth against closing any active Citi cards out of the reaction from this recent experience with them this round but it seems 5 years IS a long enough time i agree.