Next Citi card FICO score update?

[AverageJoesCredit]

Checked mine , 771 not that Citi cares

[CreditInspired]

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@UncleB wrote:

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@Anonymous wrote:

Just so everyone is aware, Citi account FICO scores just updated with a score generation date of 4/24/18, 15 days ago.  Could be worse, I suppose

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I'm still rockin' the score from 3/27. 

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Me too  and it's 9:14pmEDT

[CreditInspired]

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@UncleB wrote:

OK, this is strange...

On the app I was still showing the 3/27 score so for 'giggles' I checked from my laptop, and what do you know... the updated 4/24 score is there.  It's going in the wrong direction (two points lower), but it's updated.

Then I went back to the app (thinking that my logging in from a PC might have triggered an update) and it's still on 3/27.  ¯\_(ツ)_/¯

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Thanks Uncle B for this tidbit of info. I logged into laptop too and the score updated -- and WooHoo, I jumped 9 points. I'm assuming because my mortgage reported. And yep, it is still showing the 3/27 date on my iphone.

[2GreenThumbs]

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@Anonymous wrote:

Just so everyone is aware, Citi account FICO scores just updated with a score generation date of 4/24/18, 15 days ago.  Could be worse, I suppose

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Woo-hoo!  Just checked and my score updated as of 4/24/18 and my score is showing an increase of 86 points...744 to 830!  Time to ask for a CLI?  

[Anonymous]

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@2GreenThumbs

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Woo-hoo!  Just checked and my score updated as of 4/24/18 and my score is showing an increase of 86 points...744 to 830!  Time to ask for a CLI?  

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Sounds like you had a final major negative item come off of EQ?  Nice!

[NaaryalHead]

Whats up with these banks cutting corners everywhere.

CITI seems to update scores a bit longer than after 30 days. Perhaps that cut a 35 day update deal with equifax to save some money.

Same deal with BofA. BofA also loves charging monthly Maintenance fee even though I've a direct deposit setup. I was surprised to hear their reasoning for the fee. "d deposit had to come to the checking, not saving to avoid the maintenance fee".

How hard is it to just take off the fee once a d deposit comes in, regardless of account type. Rather than making customers jump through hoops. Friggin thieves.

Same with savings. Pay a $5 fee if savings fall under 300 any single day of the month. Doesn't matter if I've 300 extra in the checking. Gotta move it around and play the game to avoid the fee.

[GFer]

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@2GreenThumbs wrote:

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@Anonymous wrote:

Just so everyone is aware, Citi account FICO scores just updated with a score generation date of 4/24/18, 15 days ago.  Could be worse, I suppose

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Woo-hoo!  Just checked and my score updated as of 4/24/18 and my score is showing an increase of 86 points...744 to 830!  Time to ask for a CLI?  

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Holy cow, that's a big welcome bump!  Enjoy!  Definitely time to ask somebody! lol

[Anonymous]

It's pretty simple actually. This ruling of checking versus savings is so common that thee banks of mine are not so hard to keep up with. Always straight the direct deposit to checking or have $1500 everyday. Always keep $300 savings. Once you remember those two, you will never be charged of maintenance fee.

Plus, Discover has no maintenance fee, monthly fee, highest savings APR that I know of, free checks and in my experience the best there is.

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@NaaryalHead wrote:
Whats up with these banks cutting corners everywhere.

CITI seems to update scores a bit longer than after 30 days. Perhaps that cut a 35 day update deal with equifax to save some money.

Same deal with BofA. BofA also loves charging monthly Maintenance fee even though I've a direct deposit setup. I was surprised to hear their reasoning for the fee. "d deposit had to come to the checking, not saving to avoid the maintenance fee".

How hard is it to just take off the fee once a d deposit comes in, regardless of account type. Rather than making customers jump through hoops. Friggin thieves.

Same with savings. Pay a $5 fee if savings fall under 300 any single day of the month. Doesn't matter if I've 300 extra in the checking. Gotta move it around and play the game to avoid the fee.

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[NaaryalHead]

Thanks. I'm going to change the D deposit to checking next month.

Also, i'm more happy with my Alliant CU accounts. No maintenance fee and can use it on any atm in the world without any atm few which is wonderful. No more walking half a mile to find bank atm.