I used to get CLI's as long as I had a balance, no matter what it was or if I PIF. My interest was 17.24% on my secured card.
I really liked them and never really had any issues with them. They are however stubborn about AFs, interest rates, and other card terms. In the end I did have to simply close the account. After 5 years of the account it was still secured and I was getting cards like Discover and Chase, so it simply had to go. I tried writing to the credit dept. and even an executive at the bank. It really was an executive, as I had spoken to her personally by randomly dialing their extension selection number when I had an issue with them closing my account. At one point when I started opening cards to rebuild they got nervous and the CSRs were not too concerned about it and trying to help me get the account reopened. So I simply called their HDQ and the operator kept transferring me back to the CSR dept., so I dialed random numbers and ended up with a VP. She was able to get it reopened, which amazed every CSR I ever spoke with after that. I was glad at that point that I did as having it age helped me later. I just wish they were more friendly about changing terms, PC'ing, etc., but they served their purpose and now it is their loss I am not a customer, not mine!
It is by will alone I set my mind in motion.....
Always follow these rules: Only take a HP for a new account. Always use the best rewards card for that reward category. Don't close a card unless you know you really should. Never use more than 35% of a credit limit. Recon as much and as best you can. Use the introductory period to the best advantage. Get the signup bonus. Whenever possible PIF or balance transfer so you pay less in interest. Never give an excellent rating when it is actually the norm. Always look for a discount as more is always better.
Always accept candy from strangers because they have the best candy or from people you know have good candy.
