- Centurion Member
- Posts: 4913
- Joined: Sun May 20, 2012 4:35 pm
- Location: WI
This will sound weird but my reasoning is I've had accounts with pretty much every other prime lender - Amex, Discover, Chase, Bank of America, US Bank, Barclay's, etc. But Citi is the one that always said NO. It's like the girl in high school you just can't get she always turns you down and by virtue of that alone she becomes more desirable. I want to try them all. (And the girls too but that's a different story!).
The other cards just didn't seem to offer anything I could relate to. I figured at least this one has rotating 5% categories, and I don't have any cards like that in my wallet right now. True that some will be useless but that's true with Discover as well from the moaning I hear about the 2014 categories, so granted it won't always be something we'd want.
Plus I like their virtual card number concept though I know Discover ha that also (but Discover would just give me a toy limit and probably leave it there if I went back to them so I don't see that happening, despite how great their CS is).
So those are the reasons. I have read on FICO how Citi really wants balance carriers and I'm not one and have no plans to become one, so I'm not sure how they will like me but we'll see. My habits are much more what Amex wants to see, but my revolvers are stuck at 2k with them and I have no idea if or when that will change. Same with Chase my limit is currently basically locked and who knows when or if that will change (and I have NO intention of asking and taking 2 hard pulls to find out, just not happening). So I mainly app'd for new cards because I was interested in a travel card that can grow with me (hence the Arrival) and Citi because I've never had and burned them and that should be able to grow with me as well. BCP is fine at 2k if Amex leaves it there for the rest of my life, but a travel card like the BSP is not ok at that limit and is almost useless to me. What I might do is just wait for 13 months, then roll as much of the limit into the BCP as possible to get a CLI on it that way (perhaps the only one I'll ever get) and close the BSP. A very slow way to get CLIs on the revolvers is to apply for say one a year, wait a year, and roll the limit onto the desired card, rinse and repeat, and with any other lender that would be terrible but with backdating to 1999, it's almost appealing to think about. Just kind of a pain but it would work.
So that was my overall reasoning.