Goodbye CITIBANK secured !!

morgacj2004 · ‎03-08-2017

I had a CITI secured for the past 12 months. I received a letter from CITI saying it would remain secured for 12 more months. Reason was my October payment last year was 7 days late although I had made multiple payments just about every other month. I called manager and closed the account. Will get my $500 deposit back. Not worth fighting about as I really did forget to pay it that month. Honestly though they are a little crazy having given me a 9.5k CL on the Costco VI and a 2k CL on the Sears MC . Wasn't worth my time to fight about a card with a $500 CL. The lowest in my portfolio. Lol.

AX Hilton Aspire 20k, AX Bonvoy Brilliant 15k, AX BCP 2k, AX Blue Bus Cash 15k, AX Delta Air Platinum 49k, (AU) AX Delta Gold 15k, AX Amazon Prime Bus 25k, BC Uber 29k, AKUSA FCU -10k , CITI AAdvantage Exec World Elite MC 16.5k, Discover (2) 16k, Kohls-4k, VS Comenity $3k, BofA AK Air Siggy 9.8k, WF Propel AX 5k, JCP $10k PFCU Plat Rewards Siggy 39.5k, PFCU Power Cash Rewards AX 10.5k, NFCU Flagship 50k, CLOC 15k, CITI Costco 9.5k, GAP VISA Synchrony $9k,Target MC 9k, Ulta MC Comenity 9k, Pay Pal 1k, CO Venture One 23k, US Bank Radisson Rewards Signature 10k, US Bank Fred Meyers World MC, 11k, US Bank Plat VISA 15.7k, VS Comenity 2k, 240k total available credit. Utiliz-2%, Current FICO EQ-724, EX 763,TU 802 ,Chapt 7 BK D/C 11-2012. Starting scores 520-550

morgacj2004 · ‎03-11-2017

Have not yet heard back from EEO

AX Hilton Aspire 20k, AX Bonvoy Brilliant 15k, AX BCP 2k, AX Blue Bus Cash 15k, AX Delta Air Platinum 49k, (AU) AX Delta Gold 15k, AX Amazon Prime Bus 25k, BC Uber 29k, AKUSA FCU -10k , CITI AAdvantage Exec World Elite MC 16.5k, Discover (2) 16k, Kohls-4k, VS Comenity $3k, BofA AK Air Siggy 9.8k, WF Propel AX 5k, JCP $10k PFCU Plat Rewards Siggy 39.5k, PFCU Power Cash Rewards AX 10.5k, NFCU Flagship 50k, CLOC 15k, CITI Costco 9.5k, GAP VISA Synchrony $9k,Target MC 9k, Ulta MC Comenity 9k, Pay Pal 1k, CO Venture One 23k, US Bank Radisson Rewards Signature 10k, US Bank Fred Meyers World MC, 11k, US Bank Plat VISA 15.7k, VS Comenity 2k, 240k total available credit. Utiliz-2%, Current FICO EQ-724, EX 763,TU 802 ,Chapt 7 BK D/C 11-2012. Starting scores 520-550

austinguy907 · ‎03-11-2017

It obviously served its purpose with your signature now. Co-brands are always different than direct lends. $500 back in your pockey and a year of payment history on your reports and scores in the 700's. Don't sweat it and pass on anything they offer in the future

Anonymous · ‎03-11-2017

Good move.

Anonymous · ‎03-12-2017

Oh that's cool though, looks like they are treating you good overall which is good. Just the one little card, no worries.

AverageJoesCredit · ‎03-12-2017

Lol CC, You should print that on a tshirt

Anonymous · ‎03-12-2017

Striking gold since the 1900s is finding a loophole in a law or contract.

Anonymous · ‎03-12-2017

Good move.... and good riddens.

wasCB14 · ‎03-12-2017

I find it odd anyone went for this, considering what Discover and credit unions were offering at the time it was launched.

Some wanted the Citi "relationship", back when that was a seemingly more popular priority.

Personal spend: Amex Gold, Amex Schwab Plat., BofA PR+CCR(x2), Costco
Business use: Amex Bus. Plat., BBP, Lowes Amex AU, CFU AU
Perks: Delta Plat., United Explorer, IHG49, Hyatt, "Old SPG"
Mostly SD: Freedom Flex, Freedom, Arrival
Upgrade/Downgrade games: ED, BCE
SUB chasing: AA Platinum Select

Anonymous · ‎03-12-2017

People probably don't put much thought into secured cards as they don't plan to keep them.