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MoreMonies
- Happy Member
posted: Aug. 22, 2007 @ 2:32p 
Added GTE FCU Line of Credit. |
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DaveHanson
- Senior Member - 6K
posted: Sep. 10, 2007 @ 4:15p
Good job maintaining this thread, OP. Citi Flex Line of Credit does NOT report my Credit Limit to Equifax.How long have you had the flex line? Are you sure it doesn't report at all to any of the three CRAs? That would be unusual... |
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LaJollaInvestor
- Senior Member
posted: Sep. 10, 2007 @ 9:16p
I've found LOCs to be great financial tools.
I have 2 unsecured LOCs-- I know I can BT to my personal one-- (and have done it frequently) My personal LOC is US Bank Creditline Acct-- 36K line variable interest currently 9.25%
(of course, it's really 0-1.99%  My Biz LOC is Wells Fargo- 100K prime + 1%
My son has Citi Flex line too and I've noticed that they always say 0 balance on all 3 of his credit reports (even when he has a balance). I thought it was an anomaly.
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MoreMonies
- Happy Member
posted: Sep. 10, 2007 @ 10:57p
DaveHanson said:Good job maintaining this thread, OP. Citi Flex Line of Credit does NOT report my Credit Limit to Equifax.How long have you had the flex line? Are you sure it doesn't report at all to any of the three CRAs? That would be unusual... Thanks Dave, I've only had the line since early June. The Flex Line is a fairly new product offered through the CitiCards division of Citibank - not the banking end. They're probably just playing the same old games to lower credit scores by not reporting limits like with their PremierPass cards. |
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MoreMonies
- Happy Member
posted: Sep. 10, 2007 @ 11:05p
Thanks for the great info. LaJollaInvestor said:My son has Citi Flex line too and I've noticed that they always say 0 balance on all 3 of his credit reports (even when he has a balance). I thought it was an anomaly. Has CitiCards reported anything accurate such as the high balance on your LOC? I never had a balance on my account yet to see. |
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DaveHanson
- Senior Member - 6K
posted: Sep. 11, 2007 @ 10:22a
LaJollaInvestor, those are great lines, would enjoy more details on how you got those. Thanks for the clarification OP. Looks like they really don't report, which is interesting. |
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MoreMonies
- Happy Member
posted: Nov. 30, 2007 @ 4:09a
Penfed approved me for $25,000, no documents requested like their website claims, but a long interview. GTE FCU had lots of questioned and required I mail in my last 2 pay-stubs, copy of my driver's license, loan-liner agreement, and later called me about their monthly rate. This was even though I have a checking account, savings, & CDs with them which I had originally opened in person. They asked if I had cars, homes, etc. Even after all the required effort and phone calls they were still a pleasure to deal with. Very nice customer service. It's actually nice for a change to see a credit union doing their due diligence to protect their members' assets from fraud by having a lengthy process to verify and weed out the bad eggs. They approved me for $10,000, which I'm happy with. |
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sbcollections
- New Member
posted: Jan. 28, 2008 @ 3:24p
a question about BT's.? If I want to do Bt's from a few cards to my Bank account, or to a citi card for a balance transfer refund in order to get cash to drop into my Bank account, will lets say the amount on my chase 18K be treated as a cash advance or BT with just the 3% fee etc? and the BT apr. Cash advances could be 13.4 % - more. as BT might be 0% Help me to understand how this works so I know what I will be charged. By steps: I have a 0 balance on my chase card, I go to my Citi PP and ask for a BT for 18K
which citi offers for 0% for 12 months. I do the BT balance refund, citi gives Chase 18K - I have 12 months at 0% from citi, what does chase charge me? some advise please? |
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connectthedot
- Member
posted: May. 21, 2008 @ 12:27a
Which one of these accounts would be generous in the amount of credit line they give? (And also be useful for BT transfers)
And if asked for what credit amount, should I request the highest amount possible? I'm leaning towards Citi Flex Line right now..
Note:
My current credit card credit lines are around 3.8K, 4.7K, and 7.5K
I have AU status on one of my parents credit cards with a line of 24K that gets reported on my credit report
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LaJollaInvestor
- Senior Member
posted: May. 21, 2008 @ 6:44p
RE: US Bank My US Bank Line is over 10 years old and I believe it's a superior product. My line is now up to 40K and I've never had to request a CLI. Contrast that with my husband who got his in 05 or 06 and his limit started at 8K. While mine was opened online they made him actually come into the local branch to sign papers. It seemed odd. And they have only raised his line $1500 since then.
His line is also more complicated than mine (with tiered rates) But the type he has is the only PLOC I see offered on their website.
It's strange bc my husband and I have (virtually) identical credit profiles. I have no idea why they've been so stingy with him. I just added a new BLOC yesterday-- Swift. It was a targeted offer. The rates aren't as favorable as US Bank but they gave me the same initial starting line (40K) (coincidence?) |
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djscal
- Senior Member
posted: Jun. 3, 2008 @ 4:38p
I was just approved for a wells fargo personal line of credit. I had to show personal and business tax returns (for them to count my self employed income) to get a measly $20k. They were going to give me only $11k if I wouldn't show my business tax returns. I will try to apply for some of the others on the list and report back. |
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