Citi, Say Hello to the Sock Drawer

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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sicasun
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Postby sicasun » Tue Sep 09, 2014 12:46 pm

popamode72 wrote:They are very sensitive to inquiries in the last six months and even so, most of their cards kinda suck anyway IMO. Rather just go for a BOA cash rewards next year or the Sallie Mae, which then I would probably close the Citi card then. I know Chase can play hard to get at times but at least they are much more open to recon and giving good starting limits.

My boyfriend has the BoA Cash Rewards card, he really likes it so far :) It helps that he banks with BoA, so he gets the 10% bonus.
Yea, I've heard many stories of people successfully getting a Chase CC after recon. My boyfriend also has a Freedom, which was his first credit card application ever, and Chase approved him instantly. He also got an auto CLI 6-7 months later. Citi should learn a few things from Chase.

PlyrStar93 wrote:Have seen several cases people applying for whichever Citi card and get denied. They don't necessarily have problems with Chase or AMEX.
Others are asked for 4506T after submitting the application.

It's so weird that Citi is so selective. It's not like their cards are particularly amazing. That Prestige card with the $450 annual fee....whhhyyyy?

Chase Sapphire Preferred | 09/2014 | $10,300
Chase Sapphire | 05/2010 | $5,000
Chase Freedom | 01/2013 | $5,500
CapitalOne Quicksilver | 01/2013 | $2,500
American Express TrueEarnings | 08/2014 | $5,500
Victoria's Secret Angel Card | 04/2011 | $600

FICO | 09/2014 | Experian 738 | Equifax 706 | TransUnion 701


popamode72
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Postby popamode72 » Tue Sep 09, 2014 12:52 pm

All was not lost after all. I got my APR reduced to 19.99% from 23.24% (made a slight typo on my original comment) by this really nice EO rep who said I could call her directly at any time in the future if I need anything else. I don't think I'm as mad at Citi now and they even complimented me on how well I've maintained my account.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

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sicasun
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Postby sicasun » Tue Sep 09, 2014 1:09 pm

Oh wow! Glad to hear something turned out good for you :) Sometimes you just got to find the right rep to talk with haha.

Chase Sapphire Preferred | 09/2014 | $10,300
Chase Sapphire | 05/2010 | $5,000
Chase Freedom | 01/2013 | $5,500
CapitalOne Quicksilver | 01/2013 | $2,500
American Express TrueEarnings | 08/2014 | $5,500
Victoria's Secret Angel Card | 04/2011 | $600

FICO | 09/2014 | Experian 738 | Equifax 706 | TransUnion 701

popamode72
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Postby popamode72 » Tue Sep 09, 2014 1:18 pm

sicasun wrote:Oh wow! Glad to hear something turned out good for you :) Sometimes you just got to find the right rep to talk with haha.


Thanks. I was so surprised because every time I requested one by calling customer service they always told me that I had no offers on file. Also without that auto .25% reduction, my APR would be 23.99%. This person works with Citi's banking EO and gave me the number to the CC EO BTW.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

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PlyrStar93
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Postby PlyrStar93 » Tue Sep 09, 2014 1:23 pm

popamode72 wrote:I quite envy you there. Mine doesn't have 5x on restaurants and bookstores at all. It was the college version I started out with and it had a 6 month intro 0 APR and the only thing I like about it now is that for a few billing cycles, they reduce my APR by .25% for staying under my limit and paying on time and even that has a limit so I'll still have a high APR regardless.

If you applied on or after Nov 2013 then they cancelled the 5x. Then at some day in March 2014 they no longer accept new applications. Now they have ThankYou Preferred which has a little bit better rewards than the non-5x Forward.

Mine is also the college version with 7 months of 0 APR and 12.99% afterwards. It was applied at branch back in 2012, though.

Yes they do have 2% APR reduction but might not be that useful if your APR is already at 20%+. To get the full reduction you have to use the card for 2 years, as each quarter they reduce 0.25%.
Citi Forward Visa $5000 10/2012 | American Express Blue Cash Everyday $8000 2/2014 | Discover it $7000 5/2014
Chase Freedom Visa Signature $7000 6/2014 | Citi ThankYou Premier Visa Signature $5000 1/2015
All EMV.

popamode72
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Postby popamode72 » Tue Sep 09, 2014 1:28 pm

PlyrStar93 wrote:If you applied on or after Nov 2013 then they cancelled the 5x. Then at some day in March 2014 they no longer accept new applications. Now they have ThankYou Preferred which has a little bit better rewards than the non-5x Forward.

Mine is also the college version with 7 months of 0 APR and 12.99% afterwards. It was applied at branch back in 2012, though.

Yes they do have 2% APR reduction but might not be that useful if your APR is already at 20%+. To get the full reduction you have to use the card for 2 years, as each quarter they reduce 0.25%.


I got my card September of last year and have been a Citi checking account customer since about April of last year as well. Maybe I have that benefit but I'd have to check.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

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PlyrStar93
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Postby PlyrStar93 » Tue Sep 09, 2014 1:28 pm

popamode72 wrote:All was not lost after all. I got my APR reduced to 19.99% from 23.24% (made a slight typo on my original comment) by this really nice EO rep who said I could call her directly at any time in the future if I need anything else. I don't think I'm as mad at Citi now and they even complimented me on how well I've maintained my account.

Wow this is really good. I went out for a while and didn't see these posts when finally submitting my previous reply. You probably can ask for CLI at EO if you would like to further maintain the account.
Citi Forward Visa $5000 10/2012 | American Express Blue Cash Everyday $8000 2/2014 | Discover it $7000 5/2014
Chase Freedom Visa Signature $7000 6/2014 | Citi ThankYou Premier Visa Signature $5000 1/2015
All EMV.

popamode72
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Postby popamode72 » Tue Sep 09, 2014 1:32 pm

PlyrStar93 wrote:Wow this is really good. I went out for a while and didn't see these posts when finally submitting my previous reply. You probably can ask for CLI at EO if you would like to further maintain the account.


She said I should try that at a later time because of the inquiries and stuff but for now, I'm content with what I was able to get from them.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

MB131174
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Postby MB131174 » Tue Sep 09, 2014 6:21 pm

So with all this said - is anyone else tired of trying to find the best rewards and starting to think "Just give me good customer service, good benefits (like extended warranty, purchase protection, etc) and a limit I am comfortable with"?
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CC Deville
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Postby CC Deville » Tue Sep 09, 2014 7:05 pm

Once they change the Forward to Thank You Preferred it should become eligible down the line for Double Cash.

I called to see if my AT&T Universal Card was eligible for PC to Double Cash and I couldn't believe it but it was. I didn't think it would be because I am a Charter Member (meaning I had the AT&T card before they changed it) and because my rate is based on LIBOR instead of Prime Rate.

So yeah, let them change your Forward to Thank You Preferred and then after a month or so see if you can PC it to Double Cash.



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