cameron2003 said:Baldrick said:My $550 just posted, no sign of any associated credit line reduction yet though.

Comgrats...I requested a credit refund check right away, but its still not here...

Yea got my check...and my credit reduction. I will take that trade any day.

Read the thread. My details and comments:

Got that Citi card in early 2005. Since that time, I have been doing 1 or 2 BTs annually, all with Citi until recently. Citi must have picked up on this repeat BT action and so targeted me.

My Payment Partner Program (PPP) offer came in February 2007, before I even visited FW. My 0% BT expired in April. I owed about $8k, and ended up paying it all off before the end of April.

Problem: My $9k CL is now $1k because of the PIF after enrolling. Had I read this thread - - or had just thought more about what the fine print meant for my situation - - I would have realized it was better to pay down all but, say, $3,300 of the balance, THEN enroll in the program. My CL would still be above $5k now if I had done that.

This may be affecting another Citi card I have; I called for a CLI on a card w CL of $3,500, and all they offered (without a hard pull) was $1,200!

Nevertheless, the $550 is in the bank. With an AOR on the horizon, maybe I shouldn’t worry too much, although I could always use the additional unutilized CL. I can make up for it a bit with CLI requests on other cards. And I did already consolidate 2 other Citi cards into 1 with a $17k CL.

Hmmm…maybe I will leave Citi out of my AOR and see whether they send me any targeted offers. Any thoughts on that?

Anyway, if there is a next time, I will consider the following steps before enrolling:
1. Request CLI
2. Pay down any portion of the balance that reduces CL beyond the point of benefit (i.e., statement credit)