Proactive with Citibank olive branch?

[Anonymous]

Quick history: had searsmastercard and home depot for years, balance transferred a huge balance to my sears, it went to 29.99 because of high utilization. they cut my legs out from under me numerous times: everytime i made a 500 dollar payment they would lower my credit limit so it had no room. I settled for less on 2 cards in 2013.

As in my sig I have 3 0% 12/15 months cards and very happy with what i have. I was denied  bofA rewards-- and a citi, dont see that happening. However:

I have a radio shack card ive only used twice for a laptop for school, and then again for another laptop for a gift. Limit is $300. it's citibank.

I have a shell gas card that is citi too, that I recently opened! Radio was before the mess.

Is using the heck of those cards versus using and paying off any of my cards with no bias any help?

What about a secured card with citibank?

Yes libra, I see both sides: today having citi cards is NOT necessary. If i wanted to make a big purchase I have plenty of 0% at disposal right now, but the best buy has financing like that anytime, and so on.

[gdale6]

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@Anonymous wrote:

Quick history: had searsmastercard and home depot for years, balance transferred a huge balance to my sears, it went to 29.99 because of high utilization. they cut my legs out from under me numerous times: everytime i made a 500 dollar payment they would lower my credit limit so it had no room. I settled for less on 2 cards in 2013.

As in my sig I have 3 0% 12/15 months cards and very happy with what i have. I was denied  bofA rewards-- and a citi, dont see that happening. However:

I have a radio shack card ive only used twice for a laptop for school, and then again for another laptop for a gift. Limit is $300. it's citibank.

I have a shell gas card that is citi too, that I recently opened! Radio was before the mess.

Is using the heck of those cards versus using and paying off any of my cards with no bias any help?

What about a secured card with citibank?

Yes libra, I see both sides: today having citi cards is NOT necessary. If i wanted to make a big purchase I have plenty of 0% at disposal right now, but the best buy has financing like that anytime, and so on.

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That is not a reason they can use to raise your interest rate unless you defaulted and that is typically the trigger (even 1 day late on your payment). They balance chased you thats the term when they reduce your CL every time you make a payment. Forget Citibanks cards their offers are the worst in the industry and they are going to hammer you everytime you try to carry large balances any TBTF bank will, there are much better places available, CUs and regional banks. Using your cards always helps over the long run but its not going to have any bearing with Citi if you use the 2 cards you have any pay down. Radio Shack is disappearing they filed for BK so that card most likely will not be arround too much longer. I would just use the Shell like you would any gas card and not worry about running everything thru them.

[Anonymous]

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@Anonymous wrote:

Quick history: had searsmastercard and home depot for years, balance transferred a huge balance to my sears, it went to 29.99 because of high utilization. they cut my legs out from under me numerous times: everytime i made a 500 dollar payment they would lower my credit limit so it had no room. I settled for less on 2 cards in 2013.

As in my sig I have 3 0% 12/15 months cards and very happy with what i have. I was denied  bofA rewards-- and a citi, dont see that happening. However:

I have a radio shack card ive only used twice for a laptop for school, and then again for another laptop for a gift. Limit is $300. it's citibank.

I have a shell gas card that is citi too, that I recently opened! Radio was before the mess.

Is using the heck of those cards versus using and paying off any of my cards with no bias any help?

What about a secured card with citibank?

Yes libra, I see both sides: today having citi cards is NOT necessary. If i wanted to make a big purchase I have plenty of 0% at disposal right now, but the best buy has financing like that anytime, and so on.

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I'm not sure just what you are asking here - BUT, the generally accepted "best usage" of a credit card is to use it for most (or all) of your spending, instead of using your cash/check/debit card. Then you simply go online and pay the charges when they post, leaving a small balance to report on one card.

[undrtkr65]

I was considering getting the best buy card but was denied because of too many inquiries. I called the excutivite office and the rep told me to wait for the letter to come in the mail and if that was the only reason she could probably change it to a approval. I don't currently have a store card just three regular credit cards.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

Quick history: had searsmastercard and home depot for years, balance transferred a huge balance to my sears, it went to 29.99 because of high utilization. they cut my legs out from under me numerous times: everytime i made a 500 dollar payment they would lower my credit limit so it had no room. I settled for less on 2 cards in 2013.

As in my sig I have 3 0% 12/15 months cards and very happy with what i have. I was denied  bofA rewards-- and a citi, dont see that happening. However:

I have a radio shack card ive only used twice for a laptop for school, and then again for another laptop for a gift. Limit is $300. it's citibank.

I have a shell gas card that is citi too, that I recently opened! Radio was before the mess.

Is using the heck of those cards versus using and paying off any of my cards with no bias any help?

What about a secured card with citibank?

Yes libra, I see both sides: today having citi cards is NOT necessary. If i wanted to make a big purchase I have plenty of 0% at disposal right now, but the best buy has financing like that anytime, and so on.

---

I'm not sure just what you are asking here - BUT, the generally accepted "best usage" of a credit card is to use it for most (or all) of your spending, instead of using your cash/check/debit card. Then you simply go online and pay the charges when they post, leaving a small balance to report on one card.

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Or have 3 go to's & rotate the others.  They seem to give you high cli's when you use the card heavily.

[Anonymous]

Your sig says you're blacklisted. Did you burn Citi? If so, was it due to BK or not? And how do you know you're really blacklisted?

Blacklists are real, but not generally not as ironclad as they seem. The approach of getting co-branded Citi cards and/or running a lot through the cards likely won't help. Excellent credit scores and solid credit profile (high income; premium cards with $10K+ limits with much usage) will often get around blacklists. Citi isn't all that special anyways.

Consider the total cost of purchase. It may be cheaper to buy an item elsewhere on a regular credit card even with paying some interest verses paying too much at a particular store offering a 0% promo. Ie. paying $500 + $50 interest for a widget elsewhere (ie. Amazon, New Egg, etc) is better than paying $700 + $0 interest at Best Buy.