- Centurion Member
- Posts: 416
- Joined: Sat Apr 26, 2008 9:12 pm
- Location: the edge of the world
Citi is notorious for doing this lately. How big is your balance? Your best bet is to do a 0% balance transfer offer if you can get one. As you mentioned you can close the card and continue paying off at the 15% rate, but when you do so they adjust the credit limit to that of your balance which would report as 100% credit utilization.