MemberSince99 wrote:CC for you that is bizarre, I guess do you really want to deal with a bank that worries about where you buy your groceries? If everything else is good, what the hell do they even care? It's WAY too "Big Brother" for me when they start snooping into that. I would drop THEM.
It really was upsetting. I have now (and back then had) excellent credit. Low utilization, not a lot of apps etc. I just like how they made it seem that they were doing routine reviews and noticed that I wasn't using my full credit line. As far as where I bought my groceries...I don't know that they knew that is what I was buying, it just showed up as Walmart. This was back when AMEX was getting into trouble for profiling people where they shopped. The whole Walmart thing is just my guess, I don't know for sure that they didn't like that, but it is the only thing that made sense given that I had just started shopping there and that out of my three Citibank accounts, the one that I used at Walmart was the one that got the CLD.
What really kills me is that even with the CLD, they still left me with a healthy credit line (meaning I could have still taken them for a big loss)....like, okay, did taking your $2700 back really help you that much? Was $2700 really worth making a long time cardholder upset? Who knows. I still have the card but I recently began using my Bank Americard Cash Rewards card (Chase Freedom for gas/groceries when the 5% bonus is in effect) the Dividend just can't compete. It is hard not to take some of these credit decisions personally, but in the end it is just business. Overall, I still like Citibank. I just received my EMV chip Dividend card in the mail on Saturday so that was cool. I don't know of any other creditor offering that to existing cardholders. (Chase does currently offer 4 EMV cards both to new and existing Hyatt, British Airways, JP Morgan Palladium and JP Morgan Select cardholders-but not for Freedom, Slate, Sapphire etc).