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Letter came today from Citibank

Moderator Emeritus

Re: Citi possible fraud ?

@dtk6802point of information ... many of us that have Citi Bank Credit Cards have been able to obtain Apr reductions over time. Unlike other lenders, Discover and Citi have been pretty good about reductions. In fact, some of us used to get reductions below the lowest posted Apr. Right now my Discover's Apr is lower than the posted rate and I even get Discover BTs at a rate and fee less than the market and most posts showing on MyFico! Smiley Happy

Starting Score: 850
Current Score: 850
Goal Score: 850

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Message 71 of 72
Established Contributor

Re: Citi possible fraud ?

I definitely like what I've read about Citi cards. Seems easy enough to grow w/o adding hp's.
If they are similar to discover that's great. Citi amex and Disco. Initially were goals of mine. I wasted hp's early on with Citi when I wasn't qualified.
Now...Since I just got two cards in May I just feel as I might be a pre selected denial. Honestly If they sent me a pre approval rather than pre selected and the sub is right I would apply today and try to PC whatever card to DC Next year after my 2nd Discover cards anniversary.(lose the 2%cb)..
Starting score(February 2018)-520Current Score: FICO 8- 748EX, 768TU, 770EQ, Goal Score: 780 by (05/2020)
Citi AAdvantage p.s. 11,000 SL

Amex Hilton-3000
Amex SimplyCash Plus® -1300-
Amex Blue Business Plus Card - 10,000.
Amex green charge card- NPSL

inquiries scoreless. Ex, Tu, Eq=1,1,1
Amex Green
BJs perks World Mastercard-14,000
Cap1 Venture(Downgraded to V1)-VS-5,500
Sams Club MC 20000
Citi® - AAdvantage® Platinum Select® WEMC-10,500CL, Citi Premier(WMC)(upgraded from rewards+)9750
1st Disco It- 4200 , 2nd Disco it- 5500CL
12/18 Amazon SC- 10,000 cl AND-Walmart SC-7500cl, Home depot- 2000cl-
- Auto loan(80% paid off)
Goal score 800

Message 72 of 72
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