How I can get replace to Citi HHonors Reserve Card Has Chip and No Transaction Fee?

[Creditaddict]

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@Anonymous wrote:

why I got 10,000 credit limit on visa signature if I have 36K year income at age 27 and have fico 701?

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never heard someone complain about getting to high a credit line!
it's a computer system that wants you to spend just within your highest means to earn more money off you... minimum payment on $10k is barely over $200, at a $36k income you should be able to handle that minimum payment. that is how it could have happened.

[Anonymous]

less than 36K year consider as part time job (independent contractor) or less than middle class, it was supposed to be over 72k year income then can have 10,000 credit limit?

any advice or thought, if I was supposed to cancel this card or account after received this card, if I cancelled then apply for other hilton card is like american express?

if I spent over $500 out of $10,000 credit limit, what is minimum payment will I pay, If I cannot afford to pay minimum payment?

cannot I ask for reduce CL to $6000?

[Anonymous]

average late 30s age most people earn 30K year but not over 70K year if they work full time and hard work to earn high salary at business company than government job had less than average salary, you know, I work for legal and government seem less than average salary.

You said that's how computer works? 

Is correct that millions of acceptance visa signature than american express or discover in worldwide?

I just could have spent $500 to $800 out $10,000 on balance then paid off in every month until two months, oh gosh, I cannot afford to pay $200 over minimum payment

[Creditaddict]

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@Anonymous wrote:

less than 36K year consider as part time job (independent contractor) or less than middle class, it was supposed to be over 72k year income then can have 10,000 credit limit?

any advice or thought, if I was supposed to cancel this card or account after received this card, if I cancelled then apply for other hilton card is like american express?

if I spent over $500 out of $10,000 credit limit, what is minimum payment will I pay, If I cannot afford to pay minimum payment?

cannot I ask for reduce CL to $6000?

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1. you got the credit so they think you deserve it, maybe you should start to change your thinking that you have done good things with your credit and deserve it too.

2. I would NOT cancel the card.

3. If you would like the American Express Card I would just go apply for it now.

4. if you spent $500, your minumum would be $25 most likely (usually $25 or 2%) If you can't afford to make the minimum payment then I would not use the card.

5. you COULD ask to reduce your CL but I wouldn't unless you don't trust yourself not to spend it and you can't afford it.  Just because you have the limit does not mean you need to use it.

[Anonymous]

Two years I earned 12K year then last year, 24k year then now 36K year, that's most young people between 23 and 28 years old just earn start out with salary then later after 30s age will have struggle to earn highest salary like over $100,000 then ended up in same $60,000 why?

I have Ivy League education undergraduate then volunteered and interned in Washington DC, then got offered as indepdent associate that's very good for work independently and flexible time.  

[Anonymous]

I paid off $1,800 out of credit limit is $2000 on american express card, I remember that's said between 40 and 50 dollars minimum payment, they said if i keep pay this not pay full to zero, it would be high interest rate on 17%, but hilton card is $14%, I think.  Where did you hear about paid over 200 dollars for minimum payment, what would be if I spent over $3000 out of $10,000?

[Anonymous]

Is too much minimum payment $25, how does it work?

any card do you suggestion if I like to pay minimum less than $25? 

[Creditaddict]

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@Anonymous wrote:

I paid off $1,800 out of credit limit is $2000 on american express card, I remember that's said between 40 and 50 dollars minimum payment, they said if i keep pay this not pay full to zero, it would be high interest rate on 17%, but hilton card is $14%, I think.  Where did you hear about paid over 200 dollars for minimum payment, what would be if I spent over $3000 out of $10,000?

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no no, you confused what I said.... I was saying if you had a balance of $10k your minimum would probably be 2% or roughly $200.

just keep in mind your minimum payment due will always be 2-3% of that months current balance.

if you just spend $500, you will have probably $25 due or pay in full as you sound like you have been doing with your other card.

[Anonymous]

What happened if I missed to earn 40,000 points for hilton card same I missed bonus 50,000 miles for delta card?

[unc0mm0n1]

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@Creditaddict wrote:

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@Anonymous wrote:

I paid off $1,800 out of credit limit is $2000 on american express card, I remember that's said between 40 and 50 dollars minimum payment, they said if i keep pay this not pay full to zero, it would be high interest rate on 17%, but hilton card is $14%, I think.  Where did you hear about paid over 200 dollars for minimum payment, what would be if I spent over $3000 out of $10,000?

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no no, you confused what I said.... I was saying if you had a balance of $10k your minimum would probably be 2% or roughly $200.

just keep in mind your minimum payment due will always be 2-3% of that months current balance.

if you just spend $500, you will have probably $25 due or pay in full as you sound like you have been doing with your other card.

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Creditaddict, you are a saint.