From what I've heard, dYS really, really needs a $300k CL.

this thread rocks!

Storme said:this thread rocks!

citicardman says thanks

DPG said:Wow, SIS is back again to screw with our heads.

sorry, I do know my shiiiii, but I am new here, so could you tell me who is "sis"

I have 2 questions:

1. How many points will reduce (when I apply for new card / request for credit line increase) for each hard pull of my credit score?

2. Why Bankone sending pre approval offers and issuing only $400 card? Is it that banks policy to insult customers? It happened to 5 friends on mine. Only they are sending pre approval offers those total length of credit history is 1 yr max.

If your application is denied because of "past or present" delinquent credit obligations noted on your credit report, is reconsideration an option? The request would be based on age of the delinquent obligations and the existence of other citi accounts, including cd's, savings and checking products? Also, does citi respond to planet feedback requests for reconsideration?

griffinlaw said:If your application is denied because of "past or present" delinquent credit obligations noted on your credit report, is reconsideration an option? The request would be based on age of the delinquent obligations and the existence of other citi accounts, including cd's, savings and checking products? Also, does citi respond to planet feedback requests for reconsideration?

If the app is declined the only thing you cant do is to ask to speak to the "new business dept". This is hard to do so ask a c/s rep to trans you to a supv and then ask to speak to this dept. I cant be sure that this trans will happen because they do not want you to speak to them and do not give out the # so dont ask. so try a couple of times by calling back and speaking to a diff person. because the trans to the dept is possible but hard to do. If this does not work then ask a supv to trans you to the presidential dept. then ask this dept for another review of the app. it has worked for my freind befor so it is possible. but if your credit realy suck there is just nothing you can do until you remove the bad info from the report. find a credit repair service this mite work for you.

janwad said:hkchuen said:Is my Driver's Edge Card still earning 5% CashBack? Or has the terms changed? Will the 9month promo period for 5% still be there after they increase the limit to $1000?

Mine is still doing its 5%, I'm up to $850 in rewards this year now.

There is some thing else with this card, I dont remember what the exact title is but if you dont have it ask for it. people are getting a rebate on what they purch and on the miles that they drive. yep im not "bs" the miles they drive. if you want to know more info or to switch your card call c/s and if that person is dumb and does not know what you are talking about than ask to speak to the Driver's Edge rebate dept they will be sure to no what im talking about.

citicardman said:raghu6500 said:Please give your valuable suggestions.

Right now I have 15 credit cards (limits ranging from $2K to 21K) with a total limit of $172K. Out of which 7 cards in use including Balance transfers (used since I got 2.99% till balances paid)

I have total $ 62K balances on all cards. In fact I have invested this amount for high returns. Obviously my score came down to 686 points. What do u advice to strengthen my credit file? I don’t have any flags like late payment, defaults. Or any other types of loans except Credit card loans. I have total 6 years of credit history.

Please advice. My motive is I want to keep big credit limits

well it is a give and take problem, which pocket do you want fatter right or left. I mean its great that you have taken the money out and got bigger returns from using the credit this way. its great that the money can be repaid fast if need to. i have seen people do just what you are doing. by using the credit card money and getting a return on it. but if your bal are high than the fico takes a big hit. right or left right or lft. there is noting else i can say but whats more important to you. your fico score or your return.

paying the acct's on time is good paying more than the min due is better. paying some of those bal down at least below 50% is perfect. once those acct's have hit the 7 year mark your set they are earning max points.


and i am done with credit report answers

Hi citicardman,

Great thread!

Is it possible to switch from the Citi Diamond Preferred Rewards card to the Dividend Platinum Select (5%/1%) while keeping the same account # and without having to cancel/reapply?