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Written by: desihunk17 on 2008-04-06

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desihunk17's review: Callout Comment I got this card in June 2006 and they gave me 2000 to start with... In December they gave me cli for 1000... And then I called them in Febuary... For cli and they gave me another 2000... They are the best... Never late... I have way to many inquires in my report I just checked and I have around 50 in last 12 months because I applied for car loan many times and a new bike loan..


Comment 1 by sethatco
STOP User Icon on 2008-04-06

Remarks Stop while you are ahead my friend, 50 IQS in less then a year is insane let alone 2 or 3 years. CC companies will view that as a big problem and depending on which report its 1 usually 2 years for them to fall off. As for the judgment or lates they are almost never coming off, esp the judgment you will try and fight it and the court will send them a response every time.
Comment 2 by arod
I Agree With Sethatco User Icon on 2008-04-06

Remarks Please stop you have done damage to credit file with 50 Inq.

Stay with what you have.

Take care,

Comment 3 by lyyssa01
Wow, 50 Is A Record... User Icon on 2008-04-06

Remarks Before the most inquiries I heard a person do in a single year was around 40. And I agree, that's way too high. Serious damage on your credit score/report. :(
Comment 4 by debtor00
No Big Deal User Icon on 2008-04-06

Remarks Don't worry about the car and bike inquiries, your credit score lumps any car bike or mortgage inq within 30 days together because it's obvious you are shopping for the best rate. As far as cc inq's go, they only impact your score for a year and most cc companies only care about them from 6 months to a year. If you are planning another major purchase soon, I would hold off, but otherwise focus on keeping them paid on time every time. When major purchases are on the horizon, get your utilization and inquiry numbers down.
Comment 5 by meya
50 Inq? User Icon on 2008-04-06

Remarks I will hope this all come from the "Bike", cra's will delete them all the way down to one, if it is not the Bike reason then you need to stop while you are ahead buddie! That does not look good on your report. I have 26 from EX and I refuse to apply for another cc.
Comment 6 by desihunk17
Citi Is Great User Icon on 2008-07-16

Remarks Got approved for this card least year in June 2007... For $2000... Six months later they gave me cli for $500... Month later I asked for another one and they raised my cl to $9000... And this month was a 12month mark and when I logged in to my account look at it they bumped me up too $15000... Haha life is good.

Only thing is I hardly use this card... The highest I ever used was $1000... And I always keep it under $300 a month not a big credit card user... Please post your great experience with this card..

I am thinking about closing this card since I don't use it much... You guys think it will hurt my score... They are around 650.670.630. I just checked them yesterday on my credit keeper.
Comment 7 by brian23
I Don't Think.... User Icon on 2008-07-16

Remarks It would be such a good idea to close it now... U just got a great CLI and great experience with Citi. Maybe just hold onto it for another year and than decide if you want to close it...
Comment 8 by thomas1
CITI User Icon on 2008-07-16

Remarks WHOA!! I would not close this account, now way, no how!! First, the credit line and the generous increases and superb service you get from Citi far outweigh a lot of things alone. Secondly, the credit line is great to 15k. I got an increase just a little over a week ago to 21k... I've had card for over 24 years. This bank grows with its cardmembers, which has always placed itself at the very top of issuers. It always looks great on a credit report from the big banks, and you will lose a lot of utilization, therefore, decreasing your FICO points for sure. Keep it, Desihunk... Even if you don't use often, use it some, pay it off, and watch your scores soar soon, its only been a year that you've had it. Let it work for you.
Comment 9 by thomas1
CITI User Icon on 2008-07-16

Remarks Not sure if this card reports credit line since its Amex. If you have an assigned credit limit on the account, it would report on the bureaus. Anybody know? I was invited to apply for this card, so if anyone knows if this card works like Amex, pay in full, let us know. This would be good info for future reference.

I think since it's Premier Pass Amex, and has a limit of 15k, it reports as such.
Comment 10 by arod
Citibank Is Worth Having!! User Icon on 2008-07-16

Remarks This card is a really great my brothers has it and I think you have a awesome credit line and what you have established thru years can effect you by closing it..

I know you don't use it but Citibank is a great bank with credit line and I would highly advise you not to close it..

But it your decision. And I got to tell this card I would like to have.

Good luck and don't harm your file. Keep it open.

Take care,

Comment 11 by mark
Close It If User Icon on 2008-07-16

Remarks If my other cards have $50,000 and $120,000 Credit limit each.

then I will close it.

but of your other cards have 1500, 3000 or 5,000 only..

what are you thinking dude???
Comment 12 by mrrob
Nice Card User Icon on 2008-07-16

Remarks I don't know if I would close this account. Its a nice card
Comment 13 by meya
Not I User Icon on 2008-07-16

Remarks Keep the card, but also, could you please add this to the following link


It will be really helpful. If you already made a review to this card, it will be added to comments. Thanks so much for the info.
Comment 14 by hjm331
Congrats! User Icon on 2008-07-16

Remarks Watch out for a CLD. Citi might lower your limit thinking that they have given you too much available credit with the way the economy is right now. It has happened to other members.
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