Citi Too Many Inquiries CLI Denial — Are they being completely transparent?
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By 127B
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By 127B
What is the max credit card limit with USAA? I have the rate advantage set at $8500, but I want to see if it possible to go higher to help with DTI. Thank you on advance.
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By Compton56
Iv been battling this car loan late payment with Ally financial for a year now. Iv called and sent dispute/forgiveness letters to Ally trying to get the 30 days late payment removed but they wont budge. I've always paid a lil more then what's due. Because of Covid I looked up the Fair credit act to see if there's protections for us from having negative marks on our credit during the pandemic but still no luck for me. Does anyone have any suggestion for me this is my only late payment.
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By Speedbird747
After many years, I’ve managed to reach achieve zero credit card debt (student loans are another matter but, these days, I’ll take any victory I can come by).
I have two credit cards from Citi. Both are the same “sponsor”, but one is a higher level and affords more rewards (gold vs platinum). Neither card has a balance, however, the lower tiered card has a higher limit. As I’m in now the practice of paying balances in-full each month, the credit limit is only a consideration insofaras its negative effect on my FICO score if I were to close it. It would lower my total available credit, and it is an older account (~10 years).
Should I just keep it open in perpetuity, occasionally using it for a small purchase to keep it active? Should I close it and deal with the credit score hit? Has anyone heard of a credit card company “consolidating” two cards? Is there another option I haven’t thought of?
My instincts tell me that the first option may be best, as I’d like to apply for a mortgage within the next few years.
Any thoughtful advice would be appreciated!
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By CreditFix123
In 2019, with impeccable credit, I requested a TJMAXX card with Synchrony Bank (SYNCB/TJX) and got approved for $2,000.
Amidst crisis and turmoil where I live, paying about $200 I owed from a purchase slipped through the cracks. I have 5 negative marks for late payment. I immediately paid the balance in full. In fact, I always do. The account was closed by the credit grantor.
This small sum owed, essentially ruined my credit and I’m in the process of recovering it now.
Even though I’m sending dispute letters to the 3 credit bureaus, I’m wondering if it’s a good idea to send a request for Goodwill elimination of my marks directly to Synchrony Bank. My credit history since then shows that I pay all my balances in full in a timely way. I even have bank statements of significant purchases made at the TJMAXX stores since.
The crisis and unrest experienced during the period of time where I live when the late payments were made is a testament to the hardships at that time….which led to notices received about late payments slipping through the cracks.
I’m confident I can make a good case in a Goodwill letter and offer to open a new card once credit is restored, but I don’t even know if its worth a shot and if that kind of consideration is commonly granted. Logic tells me that pleading to the actual bank for consideration would be more efficient than continuing to knock on the bureaus’ doors with disputes.
Any insights or help?
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