Found a goodie credit card. Must add to your AORs.

delzy said: BradleyN said: hey guys-


i was an existing citi account holder and applied for this card. they approved me but with a credit limit 5x less than that of my citi dividends card. if i call are the chances good that they will bump the limit? my credit score isn't that good, mostly due to a lot of negs that will be seven years old in july.

Do you have a negative credit limit on you dividend card? The reason I ask is that it must be that your current limit is a negative number if 5X it is less.

It appears that you need to try harder to understand 2nd or 3rd grade math like basic arithmetic and dates and other similar complicated things before you go using something as difficult as a credit card. Maybe you should just use a debit card and pretend it's a credit card.

um, no i have a 10k limit and currently a $0 balance. thanks for the kind words though! now if you will kindly hurl yourself into a raging grease fire all will be well.

onedollarinmywallet said:
Confirmed that terms for BT is 0% for 12 months from date of account opening with no fee and that you can transfer straight to your bank account directly from their website.

I think you confirmed wrong. The Promo rate lasts 12 months from date of first transfer within a year of opening account. So if you wait 11 months to BT, you could still be at 0% in 23 months from now.

delzy -

Thanks for the clarification. Looks like the CSR gave me the wrong info or was confused.

But I'm glad to see that I can do the BT right from their website to my bank.

delzy said: onedollarinmywallet said:
Confirmed that terms for BT is 0% for 12 months from date of account opening with no fee and that you can transfer straight to your bank account directly from their website.

I think you confirmed wrong. The Promo rate lasts 12 months from date of first transfer within a year of opening account. So if you wait 11 months to BT, you could still be at 0% in 23 months from now.

Sweet! I was only able to get a 12k limit, but right after the app process, they let me do a BT to other creditor or a check to myself (No fee and 0% for 12 months on both) I opted for the check to myself for 5,900 of course!

Edit: It's nice to see a CC that gives you your BT offers after showing the approved limit!

Thank you OP. Took a few weeks to get my approval/card but got $25k and will wait til Jan 09 to run the first BT through. Surprised I got a high limit on this card since I have a $38k 0% for Life w/Citibank.

Thanks OP for the info on this card..this is great! Finally received my card on Saturday..approved for $15k. Called Citi and consolidated a few lines into this card (did have to close them completely)...now have a $38,000 balance and requested a $36,000 check. I'm just a small player in the free interest game but I love that I've jumped from $12k last year to $38k getting interest this year. Green Green Green!

lhendricks92 said: 0073735963 said: Called Citi and consolidated a few lines into this card (did have to close them completely)

Thanks for sharing this data point. What cards were you able to consolidate?

Two Platinum Select cards. An earlier post said they had trouble moving a partial line over but since I didn't need the Platinum Select lines, I just asked for it to be consolidated over & closed. I called the main Citi number, did not call the number on the AB card.

elleve said: I've always had problems moving credit across business and personal. But you should have no problems consolidating with citi co-brand and citi main.

I've had no problems moving personal to business - until now with this Associated wild child.

Has anyone has success moving Associated Bank CL TO another Citi personal card?

lhendricks92 said: lhendricks92 said: Has anyone has success moving Associated Bank CL TO another Citi personal card?

To answer my own question, I just consolidated this new Assoc Bank card onto an existing CashReturns card.

I'm going to assume you didn't have a 0% BT on it?

lhendricks92 said: The CashReturns has a 0% BT, but the fee is uncapped.

I meant the Citi Associated Bank. With no BT fee and 0% for 12 months, I thought you would have had a BT on it. I was just wondering what would happen if you combined that card with another.

If you request the checks, which you make out to yourself to get cash, wouldn't that be considered a "cash advance" and not a balance tranfer, and therefore a 3% fee would apply?

I apologize if this has been covered already, but I want to be 100% sure. How can I use this promotion to get cash without paying any fees?

ShakuniMama said: kriskos4 said: I tried to do a BT and was told I have to wait for a check unless I wanted to bt to another card.

Still waiting on the check, got approved about 3 weeks ago.

I thought you can do a "Balance Transfer" to your Debit Card linked to your Checking/Savings account. This can be done online once you can register your card.
Correct me if I am wrong.

What happen if let say you have BOTH a Checking and Saving account linked to one Debit Card. Which account will the BT funds appear? Anyone done it with a card with 2+ accounts?

According to the credit card issuer FAQ thread, Citi will issue a maximum of three cards to a person. I want this card but I already have 3 Citi cards. Has anyone with 3 Citi cards applied for and received the Associated Bank card?

larryc said: According to the credit card issuer FAQ thread, Citi will issue a maximum of three cards to a person. I want this card but I already have 3 Citi cards. Has anyone with 3 Citi cards applied for and received the Associated Bank card?

That's a myth ... I currently have five Citi personal cards, and one Citi business card.

choe said: DreamSun said: larryc said: According to the credit card issuer FAQ thread, Citi will issue a maximum of three cards to a person. I want this card but I already have 3 Citi cards. Has anyone with 3 Citi cards applied for and received the Associated Bank card?

I have 4 active citi cards and still got my associatedbank card (5th one). So I really doubt the citi rule you mentioned above.

i currently have 5 citi cards and was approved instantly

I have 2 personal citi cards, 2 citi business cards, and was approved instantly as well for this. I believe citi's rule is you aren't able to apply for x number of cards within a one-year time span (or something like that where there's a time limit involved, and not just a flat-out rule for the number of cards you can have)

choe said: DreamSun said: larryc said: According to the credit card issuer FAQ thread, Citi will issue a maximum of three cards to a person. I want this card but I already have 3 Citi cards. Has anyone with 3 Citi cards applied for and received the Associated Bank card?

I have 4 active citi cards and still got my associatedbank card (5th one). So I really doubt the citi rule you mentioned above.

i currently have 5 citi cards and was approved instantly

I have 9 personal Citi cards and 1 business Citi card. I am planning to apply for this card along with another Citi business card in the next couple of weeks. I don't expect to have any problem getting them. The limits I've heard deal with how many cards you can apply for at once. Usually 2 personal and 2 business (maybe also a Professional) Citi card within 60 or 90 days.

i got approved for 15k and did a 14k BT

for the BT, on the online form I put down my debit card (linked to checking) number and put down the address where I get my checking/savings statements from (linked account), i see the BT went through on associated bank website that says BT to HSBC credit card (which is my bank) However I do not see this amount transfered into my checking account yet...should i be worried? It's been about 2-3 days since the BT has been posted on associated bank..

I'm kinda new to this so did i mess up or should i not worry?

Applied and got an instant $15k, against which I took a $13.4k check. They mailed direct to me, and it went against my HELOC. Thanks for the great link.

eirek1234 said: The above posters are correct. Citi's policy is no more than 3 apps in 60 or 90 days, with no limit on cards, just on limits.

I think the limiting factor is your Household Income. You will have to re-allocate your credit line(s) in order to get your new card if you have already reached the maximum of credit line citi can offer you based on your HHI.

ShakuniMama said: eirek1234 said: The above posters are correct. Citi's policy is no more than 3 apps in 60 or 90 days, with no limit on cards, just on limits.

I think the limiting factor is your Household Income. You will have to re-allocate your credit line(s) in order to get your new card if you have already reached the maximum of credit line citi can offer you based on your HHI.

While that is somewhat true, I've had numerous issuers(BofA comes to mind most of all) tell me that I'm at my max based on my HHI, then a month later give me a new $20k card and a $10k CLI with no increase in HHI. So Definitely YMMV.