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Discussion in 'Credit Talk' started by rick, Jan 10, 2001.
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If you say your credit is very good, they will maybe give you the 3 to 1 ratio. At least they say they will. Let me ask you something. If you have no recent negatives, and make a good income, I KNOW Citibank will hook you up with a high limit card. Let me know how you feel about the latter plan and I will direct you to that opportunity.
We have 2 recommendations for secured credit cards on our credit card list at:
It may be of help to you.
Some folks here (SAM)has a CapOne secured, $500 for $99 deposit.
Both me and my gf got the $99 for $500 limit. Superb customer service, even though they try to sell stuff every time you call (Citibank pulled this sh!t on me today omg, some stupid $69 essentials membership).
I got it, well the first card in the step to credit rebuilding. My credit royally sucked.
I made my gf get it, cause she had Zero credit and was getting denied for store cards.
I got my first increase of $200 on month 2, then month 8, got $200 increase, plus a $300 special use line. Then next month, got the cap 1 gold visa with $500 limit.
The reason why i like them:
Superb customer support. They even helped me resolve a merchant problem. $39 yearly fee, No bs applcation fee, no monthly fee. 19.8% with 25 day grace period. Excellent online access with unlimited ACH bill payment free.
Reason i don't like them:
Stingy line increases. Everyone here is talking about their providian going from $250 to $2500 in less than a year makes me jealous.
You can't get more than $500 limit at first, for the $99, nor does everyone get the $500 for $99 deal. I do not know the criteria they use.
Hope that helps rick. As with any advice here, YMMV.
Please e-mail me with that info on citibank. I'm currently working with some folks that could use this opportunity.
FCNB will go up to 5-1, but the max unsecured amount you can get in your first year is $2,500. After that, it's all 1-1.
hi roni i got fcnb to give me 3-1 ratio bit i would like the info on citibank i went to their site and they offer several cards are you speaking of one specific card thanks in advance for your help
Yes, the (now make sure you get this right)
Citibank AAdvantage Card.
Go to www.citi.com
click credit cards
pick the : Citibank World AAvantage Card * this allows the full list of AAvantage cards to come up.
Then pick either the Citibank Aadvantage card or the Citibank Gold AAvantage card.
I later upgraded the reg. card to a platinum and kept my gold. I got both cards in the same night.