First of all, I would like to say that I enjoy reading this board because it is so informative and it has really helped me in my 3.5 years of having a credit history. I've learned so much in how to look at my credit reports, use my cards, ask for incentives with creditors and much more. I called up Citi today to ask for a credit limit increase this morning since it's the beginning of a new year and I wanted to see if I could get an increase just to get it. Upon dialing the 1800 number and putting in my card number, almost instantly I was speaking with a live rep. The thing with Citi is that there is almost no wait times ever, and if there are any, they only last for a few seconds. Well, I asked if I could get an increase WITHOUT PUTTING AN INQUIRY ON MY CREDIT REPORTS (I give credit to this board for that knowledge). Well, I got a $1000 increase on the spot. She asked me if I was planning a large purchase and I said no, I was just trying to get my Citi limit up to the limits on my other cards. However, if I wanted more of an increase, then there would be an inquiry, so I said no to that one. I can truly understand why so many people like Citi. They do things very well, are easy to work with and are very consistent and reliable. I've never had any problems with them. The same goes for Amex, they are another reputable company that I enjoy doing business with. So thanks to everyone for the advice and ideas that are shared on this board. This is really one great thing about the internet. We can all help each other out in endless ways. This board is like a big family that I like being apart of. I hope this board continues to go on forever. On another note, I really wish CRA's would make their reports easier to read. All of those numbers and codes can sometimes be hard to understand, you have to really study them sometimes!
I have to agree. I love having my Citi AA card. I started it out in 1995 with a secured card putting down $1000. After a year and a half they returned my deposit along w/ intrest w/ out me asking for it! Then from that point due to my good payment history with them they gave me $1000 increase every 6 months w/o one call to them. AS of today from that first secured down payment of $1000 im ay $15940 cl with them. Nothing but praise from me to them!
Wow, that is pretty impressive CC. Mike G. ps I love Citi also. Although, I have not asked for a limit increase yet. Opened account in September, but as the person said, it is a new year.
