whatswithva

After three years of having the basic $200 CL, I'd basically given up on Target and sockdrawered it since April. I'd tried several times for CLIs. No luck. The account was always "too new." Today I got the Visa Upgrade Letter, completely out of the blue. Comes with a $1,000 CL, which isn't great, but it's better than $200. No idea what I did to get it. So random, they are.

Woohoo! Maybe I'll get a utilization FICO-bump up now!

Wow, I've been sitting on a $100 CL for nearly two years. Ugh.

I just called and switched my PremierPass to a Upromise card, since I've been a Upromise member for five years and might as well get some benefit. Was wondering if the Upromise card actually reports the CL to the bureaus? I hated that my PremierPass didn't.

Will they hard pull to transfer to a different Citi card?

I have a 4800 Citi PremierPass that I'm carrying a 400 balance on. I'd like to try my luck transferring to a card of theirs that reports the CL -- hoping for a FICO boost. Any suggestions?

But what sucks is that they'll let you languish around paying them big interest on high balances (on time), then when you're able to finally get the balance down, they reward you by dropping your limit. I know it's their right to do it if they feel I'm a risk, but it's also my right to cut their card, close the account, and never deal with them again. Just had to vent. I felt I was making headway, and they peed all over my parade.

Yeah, it doesn't make a lick of sense. It's almost like they don't even want my business.

Ok, so I had a Chase card with a $1500 limit that I proceeded to stupidly max out. After months of hanging out at or around the credit limit, I made a big $800 payment to bring the balance down to $700 and lower my utilization percentage. Chase almost immediately bumped my credit limit down to $900. I (again, stupidly) let that slide -- I called and asked, and they said that there was some derogatory information on my credit report which prompted them to Universal Default my rate and lower my limit. This was in 2005. So this past month, after hovering around the credit limit (yet again, stupidly) for far too long, I was able to make another big payment ($750) to bring my utilization percentage down, and AGAIN they lower my credit limit, this time to $400. So again, big payment to reduce utilization percentage, they drop the limit, and my utilization is back up. I have $118.95 to go on this card. Next month, I'm paying it off and closing it. I hate them too much to even sockdrawer this f***er. Hell, for all I know, I pay off the balance, and they'd drop my credit limit even lower. Screw Chase.

Just curious -- how much of a rate reduction did you see?

It's not vital or anything... I don't intend on using the card if the interest rate remains at the default rate. But I was just wondering if it's a simple as a phone call to get rates reduced... you always hear about stuff like that in the news -- people simply calling and getting a nice reduction.

Just curious if anyone has ever had any luck getting CC companies to lower the default rates? I hit a rough spot, ended up late and got hammered with Universals across the board. I was just this past week able to pay down the balances on the cards (not to zero, but close). Was wondering if they'd be more receptive to lowering these gawdawful default rates (Chase is @ 32%!!!!) now that I've significantly dented these puppies?

MYFICO9758 for 20% off until end of March, will work for 10% off after that. Received from myfico customer service rep... have not tried it.

Thanks, Sher.

877-267-0876 Anyone know this number?