Are Citi credit cards good?

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
17 posts
ms277017
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Postby ms277017 » Sat Aug 27, 2011 11:28 am

Well got the limit increase, went from $2000 to $3400. Not bad considering my annual income is less than 30k.


CC Deville
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Postby CC Deville » Sat Aug 27, 2011 3:21 pm

ms277017 wrote:Well got the limit increase, went from $2000 to $3400. Not bad considering my annual income is less than 30k.


Congrats on the increase. Do you know if this was a soft inquiry or a hard inquiry?

ooxs
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Postby ooxs » Sat Aug 27, 2011 3:50 pm

I like their Sears Card but i have to admit that i ALWAYS pay my balance off before the end of the 0% promotion. I also have the Forward card but the reward program IMO sucks.

ooxs
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Postby ooxs » Sat Aug 27, 2011 3:54 pm

CC i was just given an increase, those clowns did a hard inquiry on me. My current account is almost two years old and always paid in full.

CC Deville
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Postby CC Deville » Sat Aug 27, 2011 7:37 pm

ooxs wrote:CC i was just given an increase, those clowns did a hard inquiry on me. My current account is almost two years old and always paid in full.


Yeah, see...I like Citibank, but they really have changed since CARD Act. It used to be that you could get an increase online or by calling without a hard inquiry (they would automatically offer the increase with the soft, and if you wanted more than they were offering then they would do the hard inquiry-now off the bat they ask the amount you want). And I have heard differning stories from people that are still getting soft inquiries and then as happened to you, hard inquiries. I refuse to have a hard inquiry on an 11 year-old account....ugh!

ooxs
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Postby ooxs » Sun Aug 28, 2011 12:05 am

The whole idea to perform a hard inquiry on an existing account member is "redundant". In your case after eleven years a hard pull is required, might as well apply for a new card.

JNK
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Postby JNK » Sun Aug 28, 2011 3:57 am

My second/third favorite card and one of my cards with the lowest APR is my Citibank Dividend Platinum Select. When it still had the old tiered rewards program (it still has the tiered rewards program, but it rotates, now, and I hate having to keep track of it), it was one of the best personal cards I owned and I paired it up with my Costco True Earnings business card.

Before everything was outsourced and before their customer service line utilized the newer voice recognition system, the customer service was more consistent in terms of quality. Their customer service - where not stellar but not poor - is sometimes hit and miss in my opinion and I have gotten differing responses on different subjects from different reps.

Like with most card companies, the longer your loyalty, the easier the communication and so despite my gripes about the call centers and differing information, I have always been given generally very good service and have been treated respectfully - even when calling about enrolling into a hardship program.

I think Citi learned a lesson from the housing bubble, and so they have tightened their credit lines and have been more cautious about extending credit - even to their longer-time customers - unless you really have excellent credit. And even then - for example, when I only had one stream of income that wasn't terrificly steady, but I had an 800+ on my credit score - they sometimes will still play on the conservative side. That, I don't think is necessarily a bad thing as it shows that perhaps the company is trying to be more responsible.

CitiBANK itself (at least MY branch) has always been very polite and respectful and good on their words and information.
Personal Collection:

AMEX: Everyday (MR), Macy's (cobranded)
MASTER: Citibank Dividend Platinum Select (non-World version)
VISA: Chase Amazon Signature, Chase (bank issued)
GE: Care Credit (medical expenses), Macy's (store), JCP (store)


Business Collection:

AMEX: Costco True Earnings
MASTER: None
VISA: Chase Ink Cash



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