I have the answer to any citi credit card question

I work for the the credit card dept

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?

Thanks in advance.

citicardman said: I work for the the credit card dept

My meds aren't quite right this week, but weren't you here before under a slightly different handle?

SilverB18C1 said: Can you increase my credit limit?

Same question here

edit: Can I get a free ipod?

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

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.

As for limit increase, what are you based on?
ie, income? or how often I use?

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

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

Is it true that Citi can only increase your credit limit every 6 month without a hard inq?

I have been using my card since feb/03 with basically no credit score. It's more than 2 years now and I still only have 3.5K. What gives?

So, would it be correct to summarize that the 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.

Are telephone reps required to make notes in the account of every conversation with customer? Are there any standard questions to be noted in the account after every call?

DWooley said: Are telephone reps required to make notes in the account of every conversation with customer? Are there any standard questions to be noted in the account after every call?

we do not have to note anything unless you ask us to or we preform some action that auto notes the acct with info

thanks for answering our questions...youve stated you got your Citi C up to $32k.... Ive had a card for over 10 years and cant seem to get much past $20k, though I dont ask for increases.

the online CL increase form always asks for income info (wont generate automatic increase) should I request manual increase?

What are some of the higher limits youve seen as a Citi rep?? I have limits close to $50k with other issuers but Citi has been stingy...

citicardman said: since then i have worked my credit line up to 32,200.00I was under the impression that Citi (and most other FI) do not easily grant a CL in excess of $25K unless you have the income to support this increase and provide documentation to substanciate your claim. I don't know what your income level or FICO score are, but what did you have to do to get a CL of $32.2K?

citicardman said: mikeres said: citicardman said: since then i have worked my credit line up to 32,200.00I was under the impression that Citi (and most other FI) do not easily grant a CL in excess of $25K unless you have the income to support this increase and provide documentation to substanciate your claim. I don't know what your income level or FICO score are, but what did you have to do to get a CL of $32.2K?

glad you asked my performance on my acct's is out standing since i no what to look for and how to work it, i have never paid late, most of the time i pay my balance off in full 1mo ago i had 2 acct's with a total of 14,800.00 cl last month i got the last 2 collection acct's removed from my credit report and i always get my credit inq's removed right after i do them and no i will not help any one out with there credit problems back to my story once the last 2 collection acct's were gone i applied for 2 AT&T acct at the same time one over the phone and one on the net got both cards and each had a credit line of 7,700 just another way to get one over on the bank apply at the same time and they do not no that you have done so and they approve both acct'sYes, I understand. You got one over on Citi. However, won't Citi at some point in the (near) future do an account review? Won't you then have to provide income verification (e.g., pay stubs and W2's). If your income isn't high enough to support your $32.2K CL, won't Citi then reduce it??

Yes, I understand. You got one over on Citi. However, won't Citi at some point in the (near) future do an account review? Won't you then have to provide income verification (e.g., pay stubs and W2's). If your income isn't high enough to support your $32.2K CL, won't Citi then reduce it??

it is possible they can do this but they will have no need to do this as long as i keep my acct's in good standing by stay away from the 4 bad things you do not want to do with a credit card #1 dont pay late. #2 dont go over the cl. #3 dont have any returned payments from your bank. and #4 dont do any of the above with any other acct's that you own also. and they will have less chance to view my credit because i dont ask them to.

I have a couple of suggestions regarding the monthly statement:
1) Add a column that denotes everyday transactions (5% reward), so we can easily know what transactions are being counted at the 5% level.
2) Add a calendar reward total so we know how close we are to the annual limit.

SpeedDragon

SpeedDragon said: I have a couple of suggestions regarding the monthly statement:
1) Add a column that denotes everyday transactions (5% reward), so we can easily know what transactions are being counted at the 5% level.
2) Add a calendar reward total so we know how close we are to the annual limit.

SpeedDragon

glad you asked i do no that this is a big issue with the reward cards and the company knows this and i have heard that they will soon be doing just what you have asked for i think its going to be some time in 09/05 but im not sure when this will happen though so hang in there

Yes, I understand. You got one over on Citi. However, won't Citi at some point in the (near) future do an account review? Won't you then have to provide income verification (e.g., pay stubs and W2's). If your income isn't high enough to support your $32.2K CL, won't Citi then reduce it??

once you have the credit you dont have to show them prof again i you apply for credit and lie and the app 2 things could happen and 1 thing will happen. They could ask me for the verfy info that they need and i will just not reply and have the inq removed off my credit report like it never happen, by the way no one has ever asked me for verfy income info befor they just take my word and ooooooooooo yeah the 2nd thing that will happen if you lie on your app is if you ever file bankrupte you can not include this acct that you lied on because you lied about your income and you will have to pay them there money back

Hi citicardman,

I am a 19 year old freshman in college with no credit. I want to apply to the Citi Platinum Dividend for students as my first card. Will I qualify or do I need to start with that "crap" card with no benefits?