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About Dennis007

  • Birthday 06/06/1977

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    Wallingford, CT

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  1. Dennis007


    Just an update from my experience, I called two days after I recieved the letter, and I also sent a secure message requesting if they could stop the CLD from occurring. Both the service rep and the email said that since I contacted them within the 30 days they would not decrease the limit. I'll be keeping an eye on the account now to see if they actual honor the request.
  2. Dennis007


    Thanks for the heads up. I'll give them a call soon. Also to note I find it funny that after logging into my account I see pre-approved offers for a CF, CSP etc..
  3. Dennis007


    Just received the same letter. $20K cut to $10k. Does anyone think a call to recon would help keep the existing limits ?
  4. Yes, They always want a HP. I also don't use my Citi Card as much as I use others
  5. So, I currently have a Citi Diamond Preferred card. I have recieved a targeted offer to PC to a Rewards+ card. On the surface it looks like a no brainier. So I thought I would see what the consensus is from this community to help me with my decision. Current Citi exposure Diamond Preferred, $13.6K DC, $25.2K , Citi has been stingy with increasing limits for me where I have CL's w/ AMEX and Chase > $50K So it got me wondering w/ Citi. Does the Card type you have bear any weight to max credit limits or the potential for CLI's? Thanks in advance
  6. So, I was gearing up to see if I could get Discover to combine these limits. I know for that to be possible you need to be eligible on one of the accounts for CLI. I checked the other day hoping to see an instant approval offer from the luv button so I would know the account is eligible. Long story shortened, instead I got a 2-3 day message resulting in $39.8K -> $ 46.8K a nice bump but not exactly the result I was looking for, Back to square one to try and combine these limits. Ultimately I'm going to have to do this with a phone call in 61+ days now.
  7. Here are my results and actions for all account for myself and/or my SO to date. American Express Me- Amex HH Surpass, $55K, Last CLI 7/19 SO- Amex Blue, $50K, Last CLI 6/19 no plans, most likely another 4056T, or Hard Pull Chase Me Closed a 2yr old unused Disney card, xfer’d $10k via Lending services to: Freedom Unlimited, $29K to $33.5K Amazon Prime, $9.5K to $15K CSR, $50K to $52K. via HP (probably should have just opened a new account and xfer the new limit) SO Slate $2k, no plans. Freedom, $20K, don’t feel like calling. Citi Me Double Cash: $25.5K no SP love Diamond: $13.6K no SP love Might do a HP on one or both SO TYP; $28.2K to $30.2K Double Cash; $25K to $27K Discovery ME IT Miles Blue; $21K, no SP love SO IT Blue: $39.8K IT Chrome: $35.1K Planning to try and combine these cards. Kohls – (Capitalone) SO - Currently at $3K CLI denied, at the card's max limit, no chance of an increase NY&C (Comenity) SO - Currently at $3,380 CLI denied, at the card's max limit, no chance of an increase Wells Fargo Rewards Visa (joint with spouse) Currently at $14K Last CLI was in 2018 Not worth the HP Raymour & Flanagan (joint with spouse) [TD Bank] Current, $10K Not worth the HP Lowes Current, $35K Last CLI 2018 No plans Home Depot Current, $20.1K Last CLI 2019 No plans BestBuy Current, $10K Last CLI 2016 No plans Suntrust Current, $9.7K Last CLI 2016 No plans
  8. I do recall seeing a comment on my report during the hurricane time period referencing something like Affected by natural disaster. So that's probably why this took so long to update.
  9. I received an email alert from Experian for a decrease in credit line, I logged into Experian's site and see it is related to a Citi account ($9900 down t o$500). Looking back at my records about 3-4mos ago I contacted Citi to move CL from one card to another and at the same time asked for a CL increase on another account. Why was there such a long delay for this change to report, when the increase to the other accounts was almost instantaneous?
  10. Opt-in enrollment offer for 20K Hilton points if I spend $2K on my Amex Ascend card by 12/25/18, so basically I'm getting 20K HH points since this would happen anyway
  11. I did not think it was possible to have 'too good of credit'. I would like to think my income is on the strong side and I generally do keep a reserve of cash for emergencies. So this is why many say Discover is subprime,
  12. The 'luv' button seems to be broken for me, I always get the "not sufficient experience with current credit line" denial of a CLI. Not sure what I'm doing wrong.
  13. Are you looking for cash back or other rewards or not? Do you have any Exxon/Mobil stations around https://www.exxon.com/en/smart-card although it is primarily a gas card it does allow non-gas purchases at their locations. Valero would be another option, fuel only, https://www.valero.com/en-us/ProductsAndServices/Consumers/ConsumerCreditCards
  14. Update AMEX HH Ascend $52K Chase CSR $50K Chase Freedom Unlimited $29K My Wife AMEX $45K Disc $35.1K Disc $34.8k Still working on the combining of the Disc. accounts.
  15. So I heard back from AMEX today and was approved the full credit limit I requested of $52K

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