Citi quick lock reddit credit limit. Open comment sort options .

Citi quick lock reddit credit limit Open comment sort options This is anecdotal, but Citi is very miserly in credit limits for people with a young file. And because I have no idea on where the card might be, and that's if I even have it still, I have no account number to It’s so frustrating. Ensure that your remaining It's my second card. I never requested any credit increase before other than the Citti. Request credit line increases once per quarter per card. I am looking to apply for Citi Custom Cash as my second card. Chase let’s me do this with no If I pay off 1/3 of this card and you drop my limit by 1/3 then I fall into the same risk scores that make you want to lower my credit limit. It's a Visa, and it gives 2% cashback on warehouse spending, just like the Costco Citi, among other benefits. I View community ranking In the Top 5% of largest communities on Reddit. I would try calling again Reply reply Dapper_Reputation_16 • I recently had a problem adding a Citi business card in my wife's name to my Apple wallet but it now works fine. Share Insanely High Credit Limit on C1 SavorOne Oh they also lowered my credit limit from $6000 to $5250, fucking with my revolving utilization. Citi Entertainment ® Let Citi Entertainment bring the fun to you. For more information, please login or call i wouldn't ask for a credit limit increase after 7 months personally. Earn unlimited 1% cash back on all other purchases. American Express has by far the best Purchase Protection, dispute resolution, and customer service. I have total of $27K in credit card debt across 4 credit cards: $6K, $3K, $4K, and $13K range from 18% to 25% APR. This means each billing cycle, you will earn 5 points per $1 on purchases in your top eligible spend category up to the first $500 Respectfully I don’t think this is correct. Within 24 hours they lowered my limit to slightly above my new balance(2650 limit. Terms and conditions apply. I had to use it once to keep the limit where it was, which I did. The only benefit of Citi Simplicity is its long 0% offer, but Amex or SavorOne could have a long-term place in your wallet. 24/7 Customer Service. Pay in full and on time and you’ll be fine. Open comment sort options . Next week after I hit the spend Reply reply MaxyBrwn_21 • The points for the SUB showed up on my next statement. ) I recently contacted Citibank about moving my credit limit from one card to another. I know Citi, Capital One, and Discover have this feature. Unfortunately, Citibank gave me a limit of $9k on this card. My Citi card limit is almost half what my Chase cards are. I love CCC because I get 5% back on my most spent category (which I use for gas). I had my Double Cash closed due to inactivity so if you do decide to leave it open maybe reload 50c on Amazon once every few months. Credit limit went from 15000->31000. While there may not be a limit to how long you can lock it, there is likely a timer on how long before they shut down the card for lack of activity (dormant). Yeah, Citi can be slow, it is the holidays as well, which always is a hitting stick for the mail, and also, thanks to Postmaster "General" Louis Dejoy , who, on the request of the guy who appointed him in Donald J Trump, decided it was a good idea to strip out the sorting machines and more. Help Needed / Question Helping friend with some CC debt. if you want to bring your utilization down, apply for a new card that you feel will give you the same credit limit as chase. May card ako na mas mataas ang limit dito pero ganyan lang binigay. Feel free to safely and organically use 100% of your credit limit within a month and let whatever utilization report, provided you pay off your statement balance in full before due date. The only potential downside is that you're limited to $2500/quarter of combined 2% & 3% spending before it reverts to 1% CB. View community ranking In the Top 1% of largest communities on Reddit. Open comment sort options Best; Top They usually give me less than half of the limits I get from Citi. :D I want to migrate my expenses over from my first card because the terms and features are better but the credit limit they gave me wasn't the same as my old card. A card's initial credit limit is largely based on income and your previous credit limits. Kala ko wala na after ilang days tumaas limit ko ng 10k . No fuss anymore with fraud alerts; both allow you to The premier card was really quick if that helps. Intro (Purchases) The Citi Rewards+® Card: A Reddit user with a self-reported annual income of $500,000 said they received a $45,000 credit limit Posted by u/[Deleted Account] - 5 votes and 19 comments Some got more than 100K limit for their first card while some only got 20K. Citi is not known for giving generous starting limits on this card anyway. Credit is credit as far as your score is concerned. Reply reply Father_O Credit limit increase with citi Help Needed / Question Recently opened up a citi custom cash card and double cash card. Applied twice 🤦‍♂️. Top. It looks like citi custom cash, Chase freedom flex, Wells Citi sucks. Share Sort by: Best. Citi Rewards Visa, my 2nd credit card (first was BPI) . I click on the email, enter my login and password and it shows that my credit line at Citi bank dropped from $22. Reply reply Happy Monday. 0% 21 months on Balance Transfers. When can I request a credit limit increase ? Locked post. It's always just a guessing game. 0 times. I got a low limit on a Citi Simplicity application. Citibank will periodically review how you’re managing your current limit and may lower it if they don’t I just applied for citi simplicity with a disappointing $3000 Limit with 21 months 0% APR and 3% transfer fee for first 4 months then 5% after. It has to do with the amount of credit Citi has already given you along with income, credit score etc. Depending on your scenario look at the rewards cards citi offers. Stay protected with Citi® Quick Lock; See application, terms and details. Doesn't really matter after setting up autopay. The 6% on groceries easily covers the annual fee pretty quickly. Can you please stop lowering my limit if I pay this off quickly?” My credit card company (chase) agreed to my terms. A little about me and my file zero inquiries over the past 3 years. Citi Double Cash® Card Get the Reddit app Scan this QR code to download the app now. r/PHCreditCards. Someone should explain to Citi how credit cards work. Not Hi, my credit score ranges from 795-820, depending on how much I spend every month. I have 4 credit cards. I did make a limit request attempt that same month I got it( june) but cant get past their online forms as it would crash. Half the time it doesn't make any sense what credit limits some will get. 5k credit limit on his first credit card with Chase and I hear that's pretty good. The only thing you're doing wrong is worrying about your credit limits. , payable in three months. Through the Citi Entertainment I have both Citi and Wells Fargo cards. css"> i wouldn't ask for a credit limit increase after 7 months personally. I have zero debt and a good income with a high credit score. Am I wrong in thinking a denied application created a hard pull or did I somehow get lucky that Citi realized I broke the 2/65 Citi rule before hard pulling? Citi is really sensitive to new credit, when I was < 1yr credit history they never approved either. Chase can lock the card too, but it doesn’t work for this because all users get the same card number. I got an email from Chase, saying that one of your credit limits was lowered. RCBC Share Sort by: Best. Get the Reddit app Scan this QR code to download the app now. Share Sort by: Best . Every time I've called its minimum 30 minutes to speak with a human. My card is turning 2 years this May, while the other one turned 1 year last October. Issue Date Credit Limit SUB SUB Date Notes AMEX Business Platinum 2022-10-24 190K MR 2022-11-04 I also used my Wells Fargo to view my Experian credit report and the updated report doesn't show any type of hard pull either. I’m shocked. You have a 12k limit. We are here to support you if you need an advice on closing/opening a credit card, improving your credit scores, removing inaccurate information from your report, qualifying for a new card/mortgage Citi is very unpredictable- I have 2 credit cards with them : Citi advantage $19000 limit and Costco $ 9000. Best. 3K votes, 427 comments. Citi Hi! I recently received my Citi Rewards card with only 35K as the credit limit. I've been combing through posts on here about Citi credit limit increase requests and see that many people get approved for increases within several months of owning the Citi Double Cash Card Limits: Citi doesn't have a strict limit on the amount of cards that you can have, but it does place limits on the total amount of credit that they will issue you across all I have the Citi Bank Double Cash and Citi Bank Costco cards. We are here to support you if you need an advice on closing/opening a credit card, improving your credit scores, removing inaccurate information from your report, qualifying for a new card/mortgage Ok I have no experience with citi but the custom cash card tweaked my interest so I applied for it today. Open menu Open navigation Go to Reddit Home. When a card is locked, it cannot be used. Citi Costco visa used to allow it, but I'm not sure that's still the case. My Citi DC has been stingy AF. 6 cards totaling 159k in limits with the higher 2 being discover at 51k and sapphire reserve at 34k. Log In / Sign Up; Advertise I currently signed up for a Chase card that has 0% APR for 18 months and moved credit from many other Chase cards I have to amount to 40K+ I plan to use it for some big purchases/home related projects - but I am nervous that if I carry a balance, they'll reduce my limit. Credit Utilization: If the credit limit on your Citi Costco card is significant, canceling it could increase your overall credit utilization ratio, which might negatively impact your credit score. Reply reply Tinkiegrrl_825 • Wait, but not too long. When I received #3 I didn’t activate. I just asked for an increase on one of my Citi's card and got 30% more. In my experience, Chase is a lot looser with their credit limits. I didn't need the money, but reasoned that a higher limit would cause my percentage utilization to drop and therefore increase my credit score. For more information, please login or call What gives? The last time I got approved for such a low limit was in my freshman year of college. Chase, I got my Freedom card the same year with a $1K limit, I think. New comments cannot be posted. New comments cannot be posted and votes cannot be cast. Another data point: opened my first Amex two years ago with 4 months of credit history with $1k limit, bumped it to $15k with an average credit, last year got another one with $5k and bumped it to $15k as well this year. Or check it out in the app stores CITI Bank Diamond Preferred Card's credit limit lowered from $10k to $3k over the course of <1 year . I have a Citi AAdvantage Card with a $6,700 CL and they have kept my DC at $2250 after an auto CLI of $750. I stopped asking for increases If you're borderline on the Costco Citi, look into the BOA Cash Rewards. So if you are consistently spending Update: I did get approved for the Citi Custom Cash with a credit limit of $1,100. 13. charge Dec. (Ironically, Chase, despite having their infamous 5/24 rule, actually isn't particularly "velocity"-sensitive within the 5/24 limit. I would love to use it as my main cardbut turns out 500 isn’t enough for my household since I put between 6-8k on credit card every month. However, I’ve requested 2 CLI’s since and get denied every time. Or check it out in the app stores &nbsp; &nbsp; TOPICS Does anybody know if Citibank will allow its credit card customers with multiple cards to migrate a portion of their credit limit from one Citi credit card account over to another Citi CC account? I know Chase often allows Locked post. Citi closed my credit card account of 20 years for inactivity, I requested an increase for my Citi Double Cash and they bumped me from $5,000 to $7,000. I'm not really a fan of the design of the credit card page, which you have to open PayPal first. Intro (Purchases) Intro (Transfers) Regular APR Annual Fee Credit Needed 0% 12 months on Purchases. It is worth asking for increase, since this is a good balance transfer card (21 months)? I got the "please wait 7-10 days" online, then got the (low limit) approval the next day. doing this will also increase your score although you MIGHT see a bump down in score for a bit since a new card will affect overall account age I have the blue cash card and can recommend it. I have a screenshot of the pending refund. Even if an authorized user replaces his card, the new card would be listed on the app for you to lock. I was expecting to have a separate on this I was just recently approved for the Citi Custom Cash card but with only a $500 credit limit. Maybe, a month or 2 before you go for an auto loan, make sure you don’t use more I’ve had a $300 target card limits for the three years I had it it’s and I’m already at a 720+ credit score always paid it on time but I have never gotten a credit increase. I started with a $750 credit limit with Discover, in 2014. " Skip to main content. My card was hacked 8/21. UPDATE: Spoke with someone at Citi who essentially just read from a script and told me that he will forward my request for reinstatement to another department and I’ll receive a letter in 7-10 days about whether or not they accept my request. Use Citi Quick Lock in the Citi Mobile exceeding your credit limit, or payments posting to your account. If you're getting a new card for this, you can also always call and ask for the primary account limit to be lowered. Was just approved for the card but only a 3,000 limit. Discover and American Express are both known to be generous with credit limits as well as credit-limit increases. At the time my annual Use Citi ® Quick Lock to instantly block new charges, while allowing recurring charges to continue without disruption. 46. Considering opening another It was fairly quick aside from the phone verifications to confirm you’re the account holder. Use the App. Every time. Or check it out in the app stores Does anyone know if it will be a soft or hard? And how much typically would it increase? $6k limit and 775 FICO (on Citi app) Archived post. May open another balance transfer card, but worried credit limit might be abysmal again. My credit (FICO) score is in the mid 700's and all my credit cards (15+) have zero balances with high credit limits. Have an odd situation. My Citi card limit is still in the 4 digits even after requesting an increase 😂 Reply reply LoveYouNotYou • Oh, you ballin 😆 I'll be darn 😆 the opposite with me My Capital One began at $2500, then I requested an increase, it went up to $5500 and it's stuck there. Got an email from my bank saying they locked my card However, is there any consensus on how to get the soft credit pull? Whenever I check on the website, I keep getting the hard pull message where they say they will check my credit report. I have no banking relationship with Citi so does anyone with more knowledge of Citi have a recommendation if I should apply? EDIT: For any future readers, I just applied and was approved instantly for a $2,500 credit limit. If you actually spend $100k a year, and don't carry a balance, you should have no issue getting one with a higher limit. bakit po di magamit yung nee credit limit lahing declined Reply reply Kielbocs98 Citi PL available credit limit comments. Citi makes the decision on credit limit, not Costco. Cfpb fixed it real quick, but apparently only for me, that one time. credit Dec. )They have a 7-day "hard" stop, but beyond that, they're also very sensitive to "rapid" applications (whether for Citi or non-Citi Stay protected with Citi® Quick Lock; See application, terms and details. If you’re looking for the best possible credit limit from a Citi credit card, here are the top picks as reported by real cardholders. 13 . Log In / Sign Up; Advertise on Reddit; Shop I opened an Apple Card with a thin credit profile and two new credit cards (2 moths old) and a new personal loan (less than a month old) showing on my credit report, and they gave me a $6500 limit right away. CitiBank Student Sloan <link rel="stylesheet" href="styles. They'll be most likely to be approved if you use a substantial portion of your available credit and pay it off regularly. It doesn’t build credit- think of it as a finishing touch when you need to optimize your score. If you use it for gas mostly, you'll get 5%back on gas purchases (up to $500 spend a month). I think it probably partly depends on your score and partly depends on your income. Do not seek more credit if you can't trust yourself to use it responsibly and pay off every card every month. They said they had some ability to notate my account to not lower the credit limit as I'm mainly iffy about my inquiries in the last 6 months as I've seen some mixed results from data points on this sub. and then 4 CRedit's main goal is to improve your credit, keep it healthy, and support you in decisions that you make that may affect your credit livelihood. How often should I request an increase and How did I find out, from Chase Bank which has Chase Credit Journey which notifies you of any changes in any of your credit lines. Eevry other credit card I have has a way higher limit than this. I PIF every month. Banks these days are probably tightening up on the credit limits they’re giving out, so that is likely playing a factor as well. UPDATE #2: Just got an e-letter that Citi restored my credit limit to $20,000. I just applied for citi simplicity with a disappointing $3000 Limit with 21 months 0% APR and 3% transfer fee Edit: I just remembered it wasn't closure they were threatening, it was cutting my credit limit to 1/3 of what it was. Posted by u/[Deleted Account] - 5 votes and 19 comments Get the Reddit app Scan this QR code to download the app now. That is why most business cards are better, as they usually allow higher limits. Helps your credit as least because Citi doesnt give a F whether or not you close it. CRedit's main goal is to improve your credit, keep it healthy, and support you in decisions that you make that may affect your credit livelihood. Or Citibank credit limit increase . But I rationalize cause it's the family card (my boys are on it) so if one of em go I'm looking to apply to the Citi American Airlines Platinum Select business card. They started me with a $10,000 limit and I didn’t even have much credit history at the point in time. Intro (Purchases) The Citi Rewards+® Card: A Reddit user with a self-reported annual income of $500,000 said they received a $45,000 credit limit on this card. I want to apply for the Simplicity Card for the Balance Skip to main content. It currently has a $2k credit limit and my credit score according to Discover is 738. $7. The Citi card was a Diamond Secured card with a credit limit of $200 based on the secured amount of $200. They have ~$5,400. Reply reply Smart-Inevitable1687 • Yes you have a point. 99%, but have not had any other credit pulls or issuances since. My credit score is 780. You can see the points pending when you go to the reward tracking page on the website where the SUB Posted by u/JMRCN - 7 votes and 21 comments Some got more than 100K limit for their first card while some only got 20K. New I'm not sure how quickly credit is gained through a secured card. What is the general rule for Citi I'm currently interested in starting my credit journey and I'm banking with Chase for around 2 years now. Credit limit lowered from $30,000 to $2000 with no warning. I requested an increase for my Citi Double Cash and they bumped me from $5,000 to $7,000. Venture X is also an impeccable ““flat card”” that pays for itself as long as you travel once a year. My boyfriend just applied and got accepted for a 1. 1. 730 or 750, can't remember. P. Reply reply Tinkiegrrl_825 • A secured card builds credit the same as an unsecured card. In my case, I did avail the citi speed cash (around Sep last year) but haven't got any increase on my credit limit. To avoid this, use your card at I don't remember exactly what my credit limit was before, but I just checked and it seems like it's lower. I use my DC all the time The Citi Custom Cash has awesome 5% cash back in whichever category you spend the most in during the statement period. If you need more credit, just go open more cards and score some signup bonuses. Every month. (Please make sure you're doing so responsibly. Income might be shaky because of how it's arriving--consists of a $10,000 scholarship grant and $42,500 in gross income Was approved for the Citi Simplicity but only got a $600 credit limit. Reply reply [deleted] • They gave me 2k. Citi Custom has 5% on whichever category you spend highest on in that billing period. Each lender will have their own internal formula to determine credit limits. However, I don't think you should listen to the bad rumors about Wells Fargo. I just wanted a simple card to build credit, and give me cash back for spending money. I applied today for a citi Costco to buy a tv. Hope this helps! Credit Cards coming soon; QUICK INFO it’s basically a charge Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. They are the third largest issuer of credit cards for a reason and Wells Fargo is only starting to get serious with credit cards. i wouldn't ask for a credit limit increase after 7 months personally. 781 credit score, 90k income, and two credit cards with limits of 17,200 and 8,500. so I bought 2 things, and refunded those 2 things. The higher tier cards get more swipe fees The same thing happened to me po. Add a Comment. received the same message so nagprocess ulit ako sa app pero ganun pa din same message. Worst bank I have ever used, and I’ve used BofA, Wells Fargo, Chase, Bank of the West, and US Bank. They I applied for citi double cash in Jan 2022, got approved and was given a 500 usd credit limit. Reply reply Eyetron2020 • Should be after the statement with the last qualifying charge closes. This means each billing cycle, you will earn 5 points per $1 on purchases in your top eligible spend category up to the first $500 Get the Reddit app Scan this QR code to download the app now Wells Fargo gave me a higher starting credit limit for the Active Cash than my citi custom cash. I did buy a car in April 2022 with a $42k auto loan at 1. I just applied for citi simplicity with a disappointing $3000 Limit with 21 months 0% APR and 3% transfer fee Respectfully I don’t think this is correct. Fuck them except their custom cash. (I have 2 other accounts with them with a limit of over $30k on each. Hello. Just want to ask, If for example, I availed the citi paylite 0% for a transaction worth 900 pesos. While there are exceptions a starting When I was just starting out, I requested credit limit increases maybe about once a year. Chase let’s me do this with no Hi all. I have two cards from Citi, the Custom Cash and Citi Rewards+, both of which have a limit of about 10k. If they did, I would cancel the CP and transfer the limit to my CCC. I calculate I can allocate $700 toward credit card Citibank only reviews credit limit increases every 6 months. I've never had a hard pull with them, and they've only rejected my request once. There are several factors we can say that will influence the amount of the credit limit given. Expand user menu Open settings menu. Someone was using it for eBay. Decided to try increasing my Citi Costco and they increased it from $1,800 to $3,000. slowing everything down immensely and depriving people of their much needed medicine, It's about time you tell us why you think increasing credit limit is not beneficial. I haven’t had a late payment in over 5 and 1/2 Use Citi ® Quick Lock to instantly block new charges, while allowing recurring charges to continue without disruption. I have a steady income and I never spend more than I make. I put less than $100 on each of those cards every month. Citi is reasonably generous with limit increases, but they tend to start you out with a low to moderate limit. $2500. In my case I don't really want to get a new credit card so just changing it to custom rewards makes sense. At some point they automatically increased my credit limit by $800, started at $3000. Obviously, a $600 credit limit is only a scratch. Just use your card responsively, tataas din yan or you may request after 6 months or 1 year of usage. The only credit card I have is the Discover IT CC that I had opened in 12/21. 15K CL. I never carried a balance (always paid off). So that’s 300/month. sensitivehead69 • Some people cant even get a credit card. Two with Citi, one with Amex and another one with BofA. Applied for both same day. the minimum Citi credit limit is $500, according to several sources. I wouldn't go so far as to ask that my limit be lowered, but my days of asking for a credit limit increase just because are over. FICO is ~740 Double check baka naka lock po card nu sa app. I have also tried to call them about questions and wasn’t able to get ahold of them. Well found out you can’t make more than 2 payments in a cycle or they’ll freeze your available credit and not count your payments towards even after posted towards available credit (essentially I switched all my funds to J. Log In / Sign Up; Advertise Got instantly approved for the Citi Business AAdvantage Platinum card. I've never had a good experience with them. . Reply reply More replies. Seems like every card brand has a card that would work but I'd hate to apply to a card and get a $3000 limit. Citi issued a new card, was hacked before it arrived. Q&A. 2 years with this card, fully paid almost always (there were 3 months na partial lang) at 90% utilization. Locked post. Just wondering if this is normal or should I ask assistance from Citi directly. For 5% category cashback what all eating places are considered restaurant ? So if your credit limit is $700, you shouldn't be spending more In fact, now I almost regret it--seeing credit limits of, say, $16,000 on cards that I never spend more than $1,000 on strikes me as a potential security risk. Temporarily lock credit card feature . Thought it was just them auto rejecting the request so didnt bother further. If for example, I have a 50k credit limit, will the remaining credit limit be 49,100 na lang? Or will 15 votes, 11 comments. If you requested once in October, regardless of the decision, the answer will be no until April. Old. I Credit cards are weird I recently got a raise so I asked my 9k card from capital-one quicksilver to increase my limit I have 820 and no derogatory things and they automatically denied it. $13K has lowest APR at 18%. Declined rin when I requested for a limit increase. Additionally, it could affect your credit utilization ratio, especially if the credit limit on this card is substantial. This may vary depending on the card. Citi is hands down the worst customer service I've ever dealt with and the worst credit company I deal with. Like what’s the point man lol Reply reply GeneralTitoo • Banks are free to upgrade the Visa and Mastercard tiers. Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. The cardholder Citibank may have lowered your credit limit due to late payments, inactivity on your card, or a change in your credit history. What are some hacks/strategies to getting high limits outside of credit score. I’ve had this card for 11 years. Several lenders will allow you to limit spending by-transaction and/or merchant type, but not by overall spend. For credit cards, I use Amex and Chase. They’re not impossible to join & have good, flat offerings. JUST RECEIVED RCBC FLEX visa 18K lang credit limit nakakahiya sa bpi and citi ko huhu . I got my Citi card in 2020, but my first automatic credit limit increase was about after a year, around July 2021?? Then I just got another automatic increase a few days ago :D Then I just got another automatic increase a few days ago :D They have the absolute worst customer service. Cap One doubled my limit over a year ago to $6,000 on their own accord. Just applied for a citi double cash card. They're probably one of the most "velocity"-sensitive major issuers. Initially you were likely approved for the 5k during the fast application process. This limit is significantly lower than the limit I was given on my first credit card when I was 18 and only made about $12k/year ($8k). The product choices are Diamond Preferred, Simplicity, Double Cash & Custom Skip to main content. Also, it doesn’t matter how high the credit limit is. The company's mission is to maximize the value and utility of digital assets through our comprehensive product suite including advanced trading solutions, liquidity aggregation, tax-efficient asset-backed credit lines, a high-yield Earn Interest product, as well as the Nexo Platform and Nexo Wallet with their top-tier So, after a year of building credit for the first time and going a bit overboard with applying for cards, I’m now gardening a and working on credit limit increases. Once humans look it over, they decide your final amount. My credit score with them is now a little over $30K. My intention is to close the first card once the Credit Limits are the As many of you know, requesting credit limit increases can be key to increasing your credit score, but can sometimes be a tedious task. What are your thoughts on this card? CitiBank Double Cash Card CRedit's main goal is to improve your credit, keep it healthy, and support you in decisions that you make that may affect your credit livelihood. Is there a way to request or how can you get a higher limit on this card specifically. They have rejected me Locked. You don’t get to charge interest on unbilled charges. This is the only card I kept since I was able to avail the no annual fees forever and also my highest limit vs BPI and BDO (recently terminated this also) I got it Feb 2020 , 80K credit limit Now Feb 2024, 585K Autoincrease, never requested increase and never maxed out my limit. Your card may have additional benefits other than these listed above. Go figure? Reply reply crazyfrog11 • Welcome to Citi, where you have trouble trying everything. Both have now lowered my credit limit twice in the past 5 months (at the same time for both) with the reason Citi has implemented a new feature for cardholders, it allows them to lock a credit card via their mobile app and online. Or, Citi just hates my profile I tried to get the Custom cash at 10 months of building and I was declined for not having enough credit history. Best . I have my first and only Citi card (Prestige) for around 7 months so far, but the credit limit is too small for my needs ($15k). I've even done a few out of warranty claims on no name brand amazon purchases that went dead after a year. So I got my 2nd Citi CC from a Moneymax promotion. Thing is, my salary is a lousy $45k, so I’m not sure how far I’ll get Anyway, when did you start seeing decent credit limits when you started building credit? Ever since I got my citi rewards last June 2022, Ive noticed citi does this somewhat patterned increments in my credit limit every around 2-3 months. Current card: PNC Cash Rewards Card $1,000 limit, June 2020 FICO Score: 743 Oldest account age: 2 years 2 months Chase 5/24 status: 0/24 (this would be my second credit card) Income: 52,500 I'm a 20 year old junior in college. I’m considering opening a Citi card for a 0% balance transfer option. Be sure to read sub rules before posting, use the resources linked in the sidebar / about section of the sub, and use search to see if your question has already been answered. Banks these days are probably tightening up on Citi hates "velocity" when it comes to credit card applications. Just got approved for the Citi double cash card at 19 and a capital one secured card with a 389$ limit. However, Wells Fargo still gives a much better experience than the smaller banks, and I would still go with a Wells Fargo card if Usually Citi will initially use a soft pull to make a decision and then give you the option to allow them to take a hard pull if you aren't happy with the initial result. Hi All, Good day! I just want to ask the lock feature in credit card. They asked if I wanted a credit limit Get the Reddit app Scan this QR code to download the app now. r/CreditCards A chip A close button. d72377cd0ad1d1f7. This sounds most appealing to me, however I have not heard great things about Citi customer service. Got back home, added it to my work phone, locked again, no option but to wait for a letter in the mail. Citi sucks. I requested a CLI from Citi on my Double Cash card on March 26, and they denied it because "Ratio of revolving balances to credit limits too high. They HP pulled my Equifax (799). doing this will also increase your score although you MIGHT see a bump down in score for a bit since a new card will affect overall account age Haven't had any issues with synchrony. The customer experience is better with Citi. Get app Get the Reddit app Log In Log in to Reddit. Morgan and my local credit union from Citi. Now that I have a credit history spanning decades, my credit score is over 800. I'd just leave it open and lock the card. I applied for a citi Rewards cards one year ago and Citi approved me for $ 1000 totally outrageous; I was expecting at least $ 8 K . Citi apparently hates it, we recently moved and I’ve been buying some home electronics on my Bestbuy card (it’s my lowest limit card 2k) so easily hitting that limit with what I’m buying. I was going to put a planned big purchase on it to also get the SUB but that purchase is going to be over $500. true. My CCs are constantly doing that. Our customer service representatives are available to assist you 24 hours a day, 7 days a week. Like the title says, I got a letter from Citi that they lowered my credit limit due to a “significant portion” of my available limit not being used. Members Online. doing this will also increase your score although you MIGHT see a bump down in score for a bit since a new card will affect overall account age Paid off $4000 of my Citi Card that was almost maxed out at $6500. I'm applying for my first time credit card with a current credit score of 719. Does Citi allow you to merge these cards? When I called to ask why I was denied, I clarified that I was not renting a castle and was approved with only a $500 limit despite ~65k income, 4 years of perfect use on a starter card, ~750 credit score, and zero other debt. ) Will they keep lowering my credit limit as such if I make another big payment? In fact, now I almost regret it--seeing credit limits of, say, $16,000 on cards that I never spend more than $1,000 on strikes me as a potential security risk. What I have is Citi Rewards with 6 digit credit limit and I will apply for Citi Premieremiles Reply reply Reddit's hub for advice, articles, and general discussion about getting and repaying student loans. New. I have a 800k mortgage that opened 11/ Stay protected with Citi® Quick Lock; See application, terms and details. I already have an Amex business card, for which I was approved with no issues. 2 days ago the whole pending list was (the 2 refunds) credit Dec. With the Citi Mobile app (I have the Citi Double Cash), all you need to do is click Services>Credit Management>Request Credit Limit Increase. I have read that this is for the purpose once you lose/misplaced or if you think your card has been compromised. What is the credit limit for the Citi Custom Cash Posted by u/Odd-Contribution-563 - 1 vote and 1 comment Try some credit union 2% cards like Alliant Federal Credit Union or Signature Federal Credit Union. Open comment sort options. How often can/should you request a credit limit increase? I’ve had the US Bank Cash+ for over 4 years and just requested my Many credit card companies and banks let you lock any card in your account. $500 Credit Limit on new CFU with low 7-figure HHI, 820 Credit Score Nexo is the world’s leading regulated digital assets institution. Citi will only grant a CLI once every 6 months on a card. I recently contacted them to get it paid but for some reason they want me to mail a check or money order instead of taking payment over the phone. Received and activated it already but I can see that they seem to share the same credit limit with my Citi Simplicity card (which I use often, been with me for a year now). 000 to $16,000. ) If you open up additional cards with It depends. Does Citi custom cash quick question Discussion I was looking into all the Citi custom cash categories it covers for 5% cash back and I noticed it didn’t have online shopping. I fought and fought about the last charge out of six. Cash back is earned in the form of ThankYou ® Points. In just 10 seconds I was instantly approved for a $1500 increase. I use it all the time with my BDO and Citi cards A subreddit for discussing credit cards. Sorry if nag yaw2x ko huhu . Or Is citi lowering credit limits? Credit Family called last night. Controversial. I have two cards-Citi Professional and Citi Custom Cash. I think it's the complete opposite, at least with Discover. Was hoping to transfer all of that to the Citi Simplicity. My two "guesses" in what's holding you back is your thin credit Then you should get a different credit card. Edited: you may want to go to citi bank online since dun makikita mo ung max cl increase na pwede mo i ask sa kanila. Citi gave me a $2,000 limit, and I also make 60,000 a year before taxes annually. Or check it out in the app stores &nbsp; Thinking about getting the custom cash by Citi Need a quick confirmation on something though. Reply reply My total Citi credit limit across several AA cards is slightly less 50% of my income. I haven’t opened any new credit cards since 2019. I got the card yesterday and it's pretty fancy looking, but is balance transfers the only thing it's prioritized for? Double check baka naka lock po card nu sa app. I have a small side hustle which I earn about $10k per year, and have been in business for just under a year. It buys you peace of mind and time to find your card. Discussion / Conversation I was approved for a Citi Diamond preferred credit card Oct of last year with a $10k limit. From what I've read, Citi is a little more strict with business cards. We are here to support you if you need an advice on closing/opening a credit card, improving your credit scores, removing inaccurate information from your report, qualifying for a new card/mortgage Use Citi Quick Lock in the Citi Mobile exceeding your credit limit, or payments posting to your account. Was turned down. Locked. Btw this was over half a decade agoclearly still at it! After the limit is reached you get 1% on everything else. For all who have the card, does it actually not cover the online shopping category? Maybe the website wanted to keep the card description slim so that’s why I’m asking. The problem is, Citi will NOT combine my limits to one card and let me cancel the other one. Once my account is unlocked I'm probably going to cancel that card and just never use a Citi product again. Customer service is excellent. maliit pero thank you pa din kay Citi. Every time I've had an issue, they have resolved it quickly. They said they don't do this. rqacwd ouqqp jmuch rfhcg vmou lsuo qlgyag npj zojcm ayxbg