Consolidated Citibank Credit Card Thread (offers and discussion) - In update mode!

For now, I want to limit this thread to just credit cards....There are some bank account offers floating around but generally those offers are for first time bank customers and not repeatable for income.

How many citi cards in an AOR?

Also, similar thread: Multiple Citicards application Experiences : to 60days or not to 60days?

Citibank limits as percentage of your income?

Discussion of Increasing BT Fees

Best Way to use Citi Points

End of Dividend Select Card and Alternatives

Citi Retention Offers

Credit CARDS which allow you to move / shift / reallocate credit lines among various CARDS from that issuer

List Credit and Charge cards which report HIGH BALANCE instead of CREDIT LIMIT,-potential serious credit score drops! Concern with the Premier Pass Card and some other cards with Citibank.

Recent Discussion on Citibank Credit Card Relocation

No reply... bump... very nice efforts OP... green.

I like this thread very much easy access to all my requirment. Good and thankyou very much

I can add some of the banking info a little latter....my concern is that there is a lot of offers posted that seem targeted...and a few threads of people complaining about getting their opening reward....some discussion on their savings account would be good.

I am also looking for some write up or threads on the Drivers Edge card...I know some folks apply for one of these every year as a strategy...

Apply through Cardoffers for 15k HH points bonus on the the Citi HHonors card and $30. Though I have not seen the $30 post yet (cardoffers told me that citi is notorious for slowness in reporting).

jairocon said: What I would like to know is if anybody ever successfully converted the Hilton card to a regular citi card. I've read numerous posts that it's not possible to reallocate the credit line from Hilton to any other citi card, but how about just asking the CSR to convert the Hilton card to some plain vanilla citi mastercard and go from there? I don't personally have the hilton card, but I'm planning on including it in my future AOR, so this info would be good to know.
I tried with a few calls and there is no way to leave the "Hilton family" At first I was told they would report my credit limit on the signature card and that also never got done. So best I was able to do was get them to convert it to a CITI Hilton Platinum card and my $50k credit limit showed up instantly.

Some discussion on the Drivers Edge card in another thread...I added some info here on it....I have read some folks apply for a new card every year to get the 6% rebate....might be a good alt. to the Dividend Select esp. if you spend a lot on gas and groceries and drive a lot...You can get up to 500 in driving rebates but are limited to what you get in rebates at supermarkets, drugstores and gas stations and other purchases and special rebates...

i.e. you would need to spend $8333 at supermarkets, drugstores and gas stations in a year ($694.40/month) to get the maximum rebates….8333x0.06 =$500 in spending rebates...to get a potential $500/year in driving rebates…

Others have reported that the driving rebate has to be on 1 car….$1/100 miles would need to drive 50,000 miles to max out the $500 in driving rebates…

There is a table on the Citibank’s site with some assumptions....The issue with our grocery spending is a lot of it is at Superwalmart, which we use Chase's Cash Plus to get 5% (Citibank has been reported to not get the higher rebate there)....

Edit: another potential thing to weigh with this card: you would want to use it for purchases for the 6% rebate the first year and the 2nd year, can use for the BT offer since it has the language "Balance transfer APR: As long as first balance transfer is completed within 12 months from date of account opening, 0.00% for 12 months from date of first balance transfer" that allows you to bank the offer for 12 months...

AS ALWAYS, DO YOUR OWN MATH TO SEE IF THIS CARD IS WORTHWILE FOR YOU...

bump New Premier Pass offer with 10,000 ty points offer

Since this appears to be the closest thing to a Citibank Master thread, I need some help getting a new Citi Card.

My FAKOs are 750+ and household income is 100K+, but Citibank denied my application for a new balance transfer card because I have too many inquiries on Experian. The CSR said I needed to have less than 3 inquiries. Before my app-o-ramma, I had 12 inquiries on Experian. I now have 28 inquiries.

I already have 35K in credit across two citi cards, but I need a new card for a good balance transfer offer.

A first step, does anyone have a good phone number directly to the Citi Credit approval department? The other major banks are giving me huge credit limits once I fax in my tax returns. I would think Citi would reconsider if I could get a human to review my financials.

I cashed several balance transfer checks today and those will hit my credit report shortly, so my time window is pretty short.

Thank you.

waterman said: A first step, does anyone have a good phone number directly to the Citi Credit approval department? The other major banks are giving me huge credit limits once I fax in my tax returns. I would think Citi would reconsider if I could get a human to review my financials.

Might try the Application Status Check Thread. I called up for status on a CitiProfessional card and the IVR menu gave me the impression that it might be The Place To Go for your kind of question as well-- since it's a brand new app vs. a CLI. Don't know for sure, but maybe worth a try.

maddybeagle said: ...credit boards apparently has a list, also...

Link to Credit Pulls Database on Creditboards

To get the info most applicable to myself, I query against state at the same time as creditor. Very often who gets pulled seems to vary by state. I was able to predict Citi accurately on my last two applications. Bear in mind that the info is only as good as the folks who put it there-- but it's still 100% helpful.

My experience is they cycle BT offers after several months but havent paid much attention since I just apply for new cards with 0% offers and relocate...Also, I woulndt be to eager on waiting with them changing to fees on bt offers as the "norm" on existing accounts...if you are looking for a place to park, how about a cc with BOA billpay...

plasticity said: In mid-december I got rejected for a couple of citi cards (...said I had enough lines..) so I haven't applied for any new ones (also I have high balances with other creditors currently..)..my score probably was below 700 then. I am giving it time to improve my score before applying for new ones.

I have a lot of BofA lines but w/ high balances ... so not applying there now. I didn't understand what you meant by parking thru BillPay...? What is the advantage of BOA Billpay?

thanks.

There are several threads on boa's billpay, but basically, you can use a BOA cc to pay other cc's and some other items like helocs, insurance, etc and has the same grace period as your purchases (but without rewards)....it is good to use to extend your BT with other cards and pay min. payments on offers. If you signed up for one of the mbna cards with the service prior to the BOA merger or I signed up recently for a Fidelity Card and I was able to sign up that new card...

maddybeagle said: plasticity said: In mid-december I got rejected for a couple of citi cards (...said I had enough lines..) so I haven't applied for any new ones (also I have high balances with other creditors currently..)..my score probably was below 700 then. I am giving it time to improve my score before applying for new ones.

I have a lot of BofA lines but w/ high balances ... so not applying there now. I didn't understand what you meant by parking thru BillPay...? What is the advantage of BOA Billpay?

thanks.

There are several threads on boa's billpay, but basically, you can use a BOA cc to pay other cc's and some other items like helocs, insurance, etc and has the same grace period as your purchases (but without rewards)....it is good to use to extend your BT with other cards and pay min. payments on offers. If you signed up for one of the mbna cards with the service prior to the BOA merger or I signed up recently for a Fidelity Card and I was able to sign up that new card...

I have some old MBNA cards w/ billpay but haven't really looked into all the possibilities. I will check it out. Thanks!