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latikeriii

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  • Location
    New York, NY
  • Interests
    Improving Credit scores and fixing past mistakes.
  1. latikeriii

    The Master 2017 Approvals and CLI's Thread

    CLI from $1,500 to $5,000 on USAA. EQ pull. Card was originally at $49K but I got USAA'ed(CLD) since I'm not a full member. Working my way back up. Sent from my iPad using Tapatalk
  2. latikeriii

    Weird Situation With Chase Freedom

    How can you activate a card without the 3-digit code? I thought they needed that as verification before activating online. Sent from my iPhone using Tapatalk
  3. latikeriii

    The Master 2017 Approvals and CLI's Thread

    Approved for $10K signature loan @ 8.49% at JFCU. Helps with some liquid and I'll easily be able to pay it off without paying a lot of interest. An installment TL is nice as well. Sent from my iPad using Tapatalk
  4. latikeriii

    APPROVED FOR PNC BUSINESS VISA

    US bank business doesn't report to personal, well at least my two. Sent from my iPad using Tapatalk
  5. Call Citi. Tell them you are considering closing your AA card and ask to speak with retention. Tell the retention rep your work has changed and you don't fly AA as much. But that you like to keep accounts open blah blah blah. They'll probably offer you a spend bonus. 1000 miles every month you spend $1K+ on the card for 6 months or something along those lines. They credited me my fee back, don't know how. See my last paragraph. Weird but I'll take the refund. Card is still open too, I confirmed.I know how to read. I was giving you the next step. Got it, can use those extra miles too. Sent from my iPhone using Tapatalk
  6. Call Citi. Tell them you are considering closing your AA card and ask to speak with retention. Tell the retention rep your work has changed and you don't fly AA as much. But that you like to keep accounts open blah blah blah. They'll probably offer you a spend bonus. 1000 miles every month you spend $1K+ on the card for 6 months or something along those lines. They credited me my fee back, don't know how. See my last paragraph. Weird but I'll take the refund. Card is still open too, I confirmed. Sent from my iPhone using Tapatalk
  7. latikeriii

    So what did you get in the mail today?

    Received 13.99% BT offer checks from CITI. Used to be 0%. My credit is the same so I'm baffled why they sent me those insulting checks. Went to the shred pile. Sent from my iPhone using Tapatalk
  8. So I emailed Citi for a refund of the $95 AF for my AA card. It was denied rudely basically telling me that I could close the card if I would like if I confirm with them. I replied back stating that I was offered a credit for $95 if I spent that much and they said no. I then called the EO(they made a mistake on my Citi DC card) rep that I've been working with to ask for the credit and she said that they had no way to credit it and I'd have to go to retention to "try". So I figured that I had no chance and I gave up. 2 weeks later, I logged on to my account and the fee was credited back. I don't know what happened but I got my wish. Sent from my iPhone using Tapatalk
  9. You can talk them down to $6.66 monthly for their promos Sent from my iPad using Tapatalk
  10. latikeriii

    Discover luv button fixed: Your credit line has been increased.

    After being rejected multiple times, I was increased from 10,500 up to 15,300. Largest CLI ever from them. Sent from my iPad using Tapatalk
  11. latikeriii

    USAA Adverse Action

    Update: I fought and fought but was only able to get my limit back to $1,500 with a hard pull. Had the TL for over 10 years so I won't close it now. Will just sock drawer it. Sent from my iPhone using Tapatalk
  12. latikeriii

    USAA Adverse Action

    Looks like this may be the start of a new trend.Are either of you full members? Any other products with USAA? Not full members but have savings and checking with them. Sent from my iPhone using Tapatalk
  13. latikeriii

    USAA Adverse Action

    Credit report and account performance. Credit report has no blemishes or recent surprises and I've never been late on it for the 10 years I've had the card. I don't use it much so maybe they're chopping CLs on customers that don't use it much. I do use it to pay my monthly credit monitoring. Maybe their exposure level is having problems and this is the start of a trend. Sent from my iPhone using Tapatalk
  14. latikeriii

    USAA Adverse Action

    I had the card and a savings account since 2006. I opened a checking with them 6 months ago but don't use it much. I did link the CC to the checking as overdraft protection(haven't overdrafted in over 15 years) but maybe that triggered an AR. Sent from my iPad using Tapatalk
  15. latikeriii

    USAA Adverse Action

    Looks like this may be the start of a new trend. Sent from my iPad using Tapatalk

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