the card is here

Ok I got the $1600 gold AA citibank card today. I want to make sure I do this aboslutely the right way so what exactly do I do to make it better. Do I call the activation number on the card or retention. How much should I ask as an increase and what is the best way or excuse or reason to increase the cl. Can I get a better rate- it is 14.9%. Can I try and convert it to a platinum select card. Thanks for your help. I want more cl but do not want to appear greedy. I would love to bt my personal high interest loan but that is about $5500 and I am not sure they will go for it.

 

Ok I called. They said I have to put in a request and it will take 12 hours. She was really nice and said they are more generous with bt offers. I tried for 5k from my original $1600. She also stated I can change this card to anything I want. I was thinking maybe switched from the AA gold to the upromise since I have kids.

 

Oh gee they just pulled 2, as in TWO, hard inquiries on my equifax report.

 

Re: Re: the card is here

It was not for a trade. It was for a credit increase. I thought everyone said here to call and they would raise the limit. they put 2 inquiries and yeppers they declined me due to negatives. I am like here we go again. these negatives are from nearly 6 years ago but since it was updated I guess they think it is new. I already faxed the credit reports from eq to them for another card. I canceled my AA gold card because I rarely fly and would never get enough miles up to even use em. I switched the card to the upromise card as I have 2 children and I have a upromise account. The % is 3% less than the AA card and there is no annual fee so I am getting a more useful card and saving money. The funny thing is it appears as if you get one card you can covert to anything you want. I wonder what would have happened if I said I wanted my AA gold switched to that diamond account. Heck, maybe I will try it later. they told me credit line increase are harder on the AA gold because even though I had a $1600 cl there is no preset spending limit and they give nervous when people immediately ask for a cl increase on the no preset limits because they usually end up running the cards up and not paying. Rather understandable. I could raise it to 5k then run it up to 10k in a month and not pay it back.

 

Re: Re: the card is here

Oh I forgot I got my amex blue turn down.
1)charge offs or bad debts
2)deliquent past or present credit obligations.

HUH?
I called and the lady said she saw no negatives on my report. Well duh. I am starting to wonder if equifax has some invisible report I am not aware of. She said she would send it to her supervisor and to call back in a week. I do have those 2 negatives but they are 6 and 6 1/2 years ago. I said it does not sound right they would turn me down for something that old. she tells me she sees no negatives period- not even the old ones and was quite puzzled. So now I have an invisible equifax report, a screwd up on purpose experian report, and I pay for a TU report with a 690 only to find out it is 631 for what cc companys pull. What a week.