- Centurion Member
- Posts: 4913
- Joined: Sun May 20, 2012 4:35 pm
- Location: WI
After a year your inquiries on EX won't affect your score at all, and honestly very very few creditors even care much about anything after 6 months, let alone a year (if that's the excuse they use, they were going to find a reason to decline you no matter what).
All I can figure with Citi is, one of the cards I charged off years ago, I mean forever ago, was a Sears card, and I believe that was backed by Citi. It was like 800 dollars, which back in the 80s was a lot more than it is today, but that's still 800 dollars, I wouldn't like to lose it either. I suspect they still remember that, plus I charged off 2 gas cards backed by them as well again for very little money, but it's not so much the money (though that hurts) but the fact it was done multiple times. I have the feeling Citi remembers that. I've NEVER had an actual "Citi" card - but I have had 3 that were backed by part of Citi, and I suspect THAT could be what it is, because they always simply find a reason to decline, it's almost like they make it up, because I've read people with lower scores, history and limits getting 9k to start with them while I get a big fat decline for reasons that wouldn't bother any other prime lender.
Just my suspicion there, but I think I am on the for life blacklist, like I am with the myFICO communit.y. If those are the only two blacklists I make, I guess I haven't done too badly. I'd honestly rather be blacklisted by Citi than Chase or Amex. I don't know if Citi hard pulls if you are blacklisted, but all of my apps got a hard pull, so even if I'm blacklisted that didn't save me.
Anyway I gave up on them. No point wasting inquiries. I like that they seem to give high limits to start and are good about CLIs, but talking with their CSRs on the phone, you can't be all that impressed, not after you've talked with say Discover. They all had thick accents making it hard for me to understand them and them to understand me, and they seemed to have little power to do anything and about all they could do is read their scripts. Almost useless. Not their fault, they need to make a living too, but damn it, corporate America, this way of saving a buck is getting ridiculous. If you can't train these people then what the hell? I blame our companies and their infinite greed not the CSR for that.
Anyway, I think you have to keep pushing for that limit. These companies will be happy to keep you in low limit land forever unless you take the initiative and find your way upward. Someone will give it to you, you just have to find out who.
I would try Ciit, also at a year try Discover, they pull TU for CLIs so EX should be safe. Even Bank of America if you have an established relationship with them is said to be generous from what I've read and that's your smallest limit card but it's over a year old now.
If worse comes to worse, seriously, open a GE backed card, or something from FNBO. GE auto CLIs every 4 months or so. If you put heavy use and PIF as I did, you will see growth. They gave me an auto CLI on my Amazon store card at 4 months, I don't remember the amount, but they also got me over the 5k hump - I started with 3k, and used it HEAVY and PIF every month - after 4 months I got an auto CLI to 5800. From there other lenders started matching.
With FNBO you are eligible for a CLI every 4 months you can call (and have to call) to ask if you are eligible - if so, auto CLI. It's the best I've seen outside of GE I hear they can be generous even though they have a reputation for being conservative.