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Home › Forums › Other › Tight credit? Nope. Citibank just raised our CC limit.

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  • July 24, 2009 at 4:40 PM #16093
    CA renter
    Participant

    Just got an e-mail today from Citibank. They are raising our credit limit because we are such “loyal customers”! 🙂

    Actually, we’re deadbeats. Pay off our card every month. Just thought that was interesting.

    Anyone else get the same thing?

    July 24, 2009 at 4:51 PM #436339
    sobmaz
    Participant

    I have a 800+ FICO score and also pay off my credit cards monthly. I have 3.

    Two of them reduced my credit lines. They said something to the effect that after reviewing my credit history they have come to the conclusion that since I rarely used more than 30% of my credit line, it was too high and unnecessary so reduced it.

    July 24, 2009 at 4:51 PM #437103
    sobmaz
    Participant

    I have a 800+ FICO score and also pay off my credit cards monthly. I have 3.

    Two of them reduced my credit lines. They said something to the effect that after reviewing my credit history they have come to the conclusion that since I rarely used more than 30% of my credit line, it was too high and unnecessary so reduced it.

    July 24, 2009 at 4:51 PM #436937
    sobmaz
    Participant

    I have a 800+ FICO score and also pay off my credit cards monthly. I have 3.

    Two of them reduced my credit lines. They said something to the effect that after reviewing my credit history they have come to the conclusion that since I rarely used more than 30% of my credit line, it was too high and unnecessary so reduced it.

    July 24, 2009 at 4:51 PM #436545
    sobmaz
    Participant

    I have a 800+ FICO score and also pay off my credit cards monthly. I have 3.

    Two of them reduced my credit lines. They said something to the effect that after reviewing my credit history they have come to the conclusion that since I rarely used more than 30% of my credit line, it was too high and unnecessary so reduced it.

    July 24, 2009 at 4:51 PM #436864
    sobmaz
    Participant

    I have a 800+ FICO score and also pay off my credit cards monthly. I have 3.

    Two of them reduced my credit lines. They said something to the effect that after reviewing my credit history they have come to the conclusion that since I rarely used more than 30% of my credit line, it was too high and unnecessary so reduced it.

    July 24, 2009 at 5:12 PM #437108
    Anonymous
    Guest

    I’m not sure where the tightening is coming from. My brother just bought a place. He put down 3.5%, with a gift from our parents. My parents also co-signed on the loan. The loan is for almost 6x his income, the lender knew he required a roommate to even make the mortgage payment. And the place is a fixer-upper. This is in Lakewood California, where for some reason prices have started to uptick a bit.

    July 24, 2009 at 5:12 PM #436942
    Anonymous
    Guest

    I’m not sure where the tightening is coming from. My brother just bought a place. He put down 3.5%, with a gift from our parents. My parents also co-signed on the loan. The loan is for almost 6x his income, the lender knew he required a roommate to even make the mortgage payment. And the place is a fixer-upper. This is in Lakewood California, where for some reason prices have started to uptick a bit.

    July 24, 2009 at 5:12 PM #436869
    Anonymous
    Guest

    I’m not sure where the tightening is coming from. My brother just bought a place. He put down 3.5%, with a gift from our parents. My parents also co-signed on the loan. The loan is for almost 6x his income, the lender knew he required a roommate to even make the mortgage payment. And the place is a fixer-upper. This is in Lakewood California, where for some reason prices have started to uptick a bit.

    July 24, 2009 at 5:12 PM #436345
    Anonymous
    Guest

    I’m not sure where the tightening is coming from. My brother just bought a place. He put down 3.5%, with a gift from our parents. My parents also co-signed on the loan. The loan is for almost 6x his income, the lender knew he required a roommate to even make the mortgage payment. And the place is a fixer-upper. This is in Lakewood California, where for some reason prices have started to uptick a bit.

    July 24, 2009 at 5:12 PM #436550
    Anonymous
    Guest

    I’m not sure where the tightening is coming from. My brother just bought a place. He put down 3.5%, with a gift from our parents. My parents also co-signed on the loan. The loan is for almost 6x his income, the lender knew he required a roommate to even make the mortgage payment. And the place is a fixer-upper. This is in Lakewood California, where for some reason prices have started to uptick a bit.

    July 24, 2009 at 5:28 PM #436952
    Ricechex
    Participant

    Same here. I recently signed up for a CC to get some airline mileage. Get the statement, and it is for a limit of 25K! I am wondering if this is good for my FICO, which is quite high. Should I call and have the limit reduced or just cancel the card? I am also a deadbeat, pay off CC every month–have been debt free for years.

    July 24, 2009 at 5:28 PM #437117
    Ricechex
    Participant

    Same here. I recently signed up for a CC to get some airline mileage. Get the statement, and it is for a limit of 25K! I am wondering if this is good for my FICO, which is quite high. Should I call and have the limit reduced or just cancel the card? I am also a deadbeat, pay off CC every month–have been debt free for years.

    July 24, 2009 at 5:28 PM #436355
    Ricechex
    Participant

    Same here. I recently signed up for a CC to get some airline mileage. Get the statement, and it is for a limit of 25K! I am wondering if this is good for my FICO, which is quite high. Should I call and have the limit reduced or just cancel the card? I am also a deadbeat, pay off CC every month–have been debt free for years.

    July 24, 2009 at 5:28 PM #436560
    Ricechex
    Participant

    Same here. I recently signed up for a CC to get some airline mileage. Get the statement, and it is for a limit of 25K! I am wondering if this is good for my FICO, which is quite high. Should I call and have the limit reduced or just cancel the card? I am also a deadbeat, pay off CC every month–have been debt free for years.

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