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Citicardman has left the forum. Posts to the OP here will not be answered any longer
(1) Credit line is based on internal score with the bank itself and all credit history from credit report. (2) Best bet on getting credit limit increase is to lie about income and ask for instant CL increase. The instant CL increase can be done once every 6 months. (3) 5% CashBack on gas and grocery for Citi Dividend card is going to stay as it attracts customers to CitiBank. (4) it sucks but yes its true (that WalMart super center is not counted as grocery for 5% Cash Back any more.) (5) you can have as many acct's with us as your credit will take you the sky is the limit (6) Virtual credit card numbers once issued stay with a customer. Therefore refund can be requested either by virtual credit card number, which a seller has on record, or by providing to a seller the usual account number. (7) Telephone reps are not required to make notes in the account of every conversation with customer unless customer ask them to or some standard actions are perfomed that auto notes the acct with info. (8) (If a c/s rep won't re-activate an account they closed by mistake), ask to speak to the "CREW" dept this means credit manager. and if they cant help, ask to speak to the presidential dept, they will only trans to the dept not give the #. If the acct was closed more than 1 year ago it will never be reopened. (9) the system will also consider a "credit line movement" (transfer of CL between cards) a cli increase, and kill your chance of getting a instant cli (in several months). (10) (when converting a card to another), the date open would not change, because it does not change with us. but the new card # would show up on the report. (11) the best time you will get an offer is when you either pay off a bal, or you have not used the card in a while. because they want your business back. (12) Citi gas cards cannot be converted into a prime Citi Card (13) if you put a auth user on one of your acct's, this acct info "will" show up on that persons credit report.
Citicardman has left the forum. Posts to the OP here will not be answered any longer
Message edited by: ellory on 2005-09-13 03:05:17 CDT
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?
SilverB18C1 said:Can you increase my credit limit?
The answer is can you increase your credit line the answer is based on your internal score with the bank its self and your over all credit history on your credit report so pull one now if you have not done so in a lone time go to www.myfico.com
edit: Can I get a free ipod? I have seen that offer for opening a checking acct but i dont work in that dept i just work for the credit card dept if anyone has a "q" about getting over on the credit card i can answer so ask
I recently opened a Citibank Divident credit card account. On my first statement there is a line which says "Annual Fee 6/05-5/06" and the amount of the fee is zero. It took me to read Terms & Conditions once again to convince myself that the annual fee is zero not only for the first year. What I still don't understand, what was the point for Citibank to print that the annual fee is zero, if it's in fact zero! It's just confusing.
they are leaving the door open for a Change in term to the card for right now the card has no fee but in the future they could make a change. but dont freak out because the card has never had a fee and i dont see any changes coming. but if they do you can decline the C&T they send you ok.
Another question: Do you have by a chance any info on how long 5% Cash Back for gas and grocery will last for Citi Dividend Card? I am asking because from what I know out of each transaction Visa/MC collects about 3% fee (and 97% is going to a seller). It's ok if 1% out of the 3% is going back to us as CashBack, but 5% CashBack looks unjustifiable, so it seems that some catch is coming sooner or later. Thank you!
As for limit increase, what are you based on? ie, income? or how often I use?
the answer is just what you said, the big thing is how profitable is this person how offten do the use the acct, how do they pay the actt, how old is the acct, what is the persons credit like,
the best thing you can do if you do not want a hit on you credit is to call a c/s rep and ask them to see if you are qualify for a instant credit limit increase the only thing they need to do this is your annual house hold income. your best bet here is to lie make it big they dont check this stuff unless if they say no and ask you for the name of your employer and other "q" like this at this time they are going to pull your credit
Another question, if I use one time use CC number, how do I get a refund? Do I get to use one time use CC number again? Or is it being credited to the actual CC? Thank you very much for the info.
luckymndog said: Do you have by a chance any info on how long 5% Cash Back for gas and groccery will last for Citi Divident Card?
the 5% is not going anywere it is staying, its just one thing that brings people to citi. but yes there is a catch if you want to call it one you can only get a total of $300.00 Cash Back per calender year. and can only redeem back when Cash Back amount is at least over $50.00
jsl90004 said:Another question, if I use one time use CC number, how do I get a refund? Do I get to use one time use CC number again? Or is it being credited to the actual CC? Thank you very much for the info.
what i think you are talking about is the "VAN" vertual acct # system that is offered with acct online. answer is yes you can get a refund any # of ways # 1 the # is never far away from you once it is billed to your cc the VAN is posted to your stmt #2 call the company and ask for a refund if they dont give it to you then just dispute the item with a c/s rep on the phone.
back to the issue of credit limit increase your best bet for instant cli is every 6mo if you ask more than this you will fail it will come up on the screen as recent cli acct does not qualify
and o yeah i suck at spelling its not my best thing so if i spell some thing wrong dont tell me i dont care but citi credit cards i got this thing on lock i started my 1st acct with the company 06/03 with a 2,000 cl since then i have worked my credit line up to 32,200.00 and if any body thinks this is low think about what i do for a living i answer the damm phone.
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