Which card should I use more?

[Anonymous]

I have a Chase PerfectCard with a $2,000 limit? and a Citi Secured Card with a $200 limit. I was wondering on which card I should give more usage. Knowing that Citi will be in business in the next 2 or 3 years, I would give my Citi Secured Card more usage and build a strong relationship with them.

[Anonymous]

I say Chase..If Citi is a secured card why not use it minimal each month for small purchases and PIF and create that relationship with Chase.

[smallfry]

I doubt either goes away but if I was a betting man I say Chase outlives Citi. 

[Anonymous]

Chase is much more stable than Citi, just look at the stock price.

Chase is part of JPMorgan.

[Creditaddict]

Chase! it will be hard to use a $200 card a lot and not have it maxed out during reporting.

[Anonymous]

Thing is if Citi survives this whole mess, they will treat me better as a customer than Chase. Chase is known for high interest rates and hard pulls for CLI requests. On the other hand, Citi gives CLI's every 3-6 months without a hard pull and gives you a chance at lowering your interest rate. I would say Citi is more of a customer favorite than Chase.

[Creditaddict]

I would totally agree if citi was not a secured card then I would use them.

but until it graduates it does not take much use to make them happy

but while secured, you don't get cli or lower rates. 

[Anonymous]

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@Creditaddict wrote:

I would totally agree if citi was not a secured card then I would use them.

but until it graduates it does not take much use to make them happy

but while secured, you don't get cli or lower rates. 

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I don't disagree with you but the same thing can be said about the BoA secured card. It's easy to have high utilization on a card with a $500 limit but as long as you keep using it and make payments, they will recognize your loyalty and reward you for it. Many consumers who currently have a $5k CL with BoA now started out with a BoA secured card a couple years ago.

[Creditaddict]

good point.

my bofa just graduated with 500cli 

[Anonymous]

I think I should give my Citi card more usage because Citi is the one that bases interest rate reductions and CLI's on account history, not Chase. Chase pulls your reports for pretty much everything so if I give my Citi card more usage and keep my reports clean for Chase, it will be a win-win situation (assuming Citi will be business in the next few years). Agree? Disagree? Please share.