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

[Anonymous]

I am new to myFico forum.  I am nearly 28 years old male and already college graduate years ago.  I have six opening credit cards account.  There are American Express Delta SkyMiles Gold CL: 4,000, Barclays Visa CL: 1,300, Banana Republic Visa Card CL: 4,500, Express, Inc. CL: 250, Best Buy CL: 500, Bank of America Cash Rewards CL: 500. 

I was finally to have increased credit limit of American Express Delta is 4,000 few days ago and before was 2,000 since fall 2011, because I had at least 670 credit score.  My FICO score is 701, Experian is 698, and Credit Karma is 748, my goal is reach myFico score: 720 in next six months or next year, I believe this score may be slowly or take time process every month.  Anyways. How can I get faster to increase or improve credit score by every month?

I like to bring up this topic about Citi HHonors Visa Signature.  I just applied to Citi HHonors Visa Signature with No Annual Fee Last Saturday.  I got approved for CL10,000, I was just shocked.   I think there is possible based on my credit score, am I correct? 

The problem is HHonors Citi Visa Signature Has No Chip and 3% Transaction Fee, I just think I can upgrade to Reserve next six months to few years.  How I can get replace to Citi HHonors Card Has No Transaction Fee?

Can I cancel this account once I received credit card in mail soon then apply for Reserve Card or keep this account so will not get free transaction fee, what can I do?

[Creditaddict]

You might be able to call Citi now and product change to reserve.

otherwise they might tell you to just apply for reserve now.

[Anonymous]

Once I received card in mail, call customer service on back of the card, do I have tell them if it is can change to reserve card?

You think it's possible? I do not know why Citi Honors Visa provided two seperate card, other hotels card only one.

Do I have to activate this new card or hold on, what happened if I did activate this card, how long will be closed if not activate card?

If it is closed account, then apply or change to reserve card?

[Creditaddict]

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@Anonymous wrote:

Once I received card in mail, call customer service on back of the card, do I have tell them if it is can change to reserve card?

You think it's possible? I do not know why Citi Honors Visa provided two seperate card, other hotels card only one.

Do I have to activate this new card or hold on, what happened if I did activate this card, how long will be closed if not activate card?

If it is closed account, then apply or change to reserve card?

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I believe the reserve is very expensive AF, many people would not spend enough to make this cost worth while... it's similar to like Delta Amex has like 3-4 tiers.

you could check backdoor number thread above and call now and see if you have any options.

[Anonymous]

Okay, no problem.

I just had average over 30K income year and my credit score FICO is 701. I never understand why my CL is $10,000, I was just shocked.  It is high credit limit compared to low income.  Any idea if you have thought? Can I ask for fix credit limit or leave this?

Since I just have limited of credit limit for Delta Amex last time compared to Citi Visa Signature.  Why does it high credit limit if it shows my credit score and income, but does it based on credit score can lead to estimate of credit limit I will have?

[Anonymous]

Have you been to Europe or out of country, so did you used credit card to purchase anything and see these transaction fees appear on statement after you purcahsed?

[Anonymous]

Visa Signature Card says that I would earn bonus 40,000 points if I spent more than $1000 dollars within 4 months, what kind of purchase I can do, like hotel, books, foods, ipad, computer or else?

[Creditaddict]

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@Anonymous wrote:

Visa Signature Card says that I would earn bonus 40,000 points if I spent more than $1000 dollars within 4 months, what kind of purchase I can do, like hotel, books, foods, ipad, computer or else?

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anything to get the bonus.

yes if you charge outside the country you will see the charge on the statement with each purchase.

[Anonymous]

what about here in U.S., no fees if charge anything in U.S.?

So how you know it can be expensive fees when outside U.S.?

How can I get no transaction fee on card if I once got visa signature without no transaction fee? but reserve tells that spend more than 2,500 dollars then got bonus but maybe for rich people and couples can afford...

[Anonymous]

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