Comments on: Guide to CitiBank Credit Cards http://www.consumerismcommentary.com/2007/09/24/guide-to-citibank-credit-cards/ A premiere personal finance blog, established 2003. Within, Flexo discusses his own experiences with money, and he and other authors comment on a wide range of personal finance topics. Sat, 21 Nov 2009 16:42:00 -0500 http://wordpress.org/?v=2.8.5 hourly 1 By: 91030Mom http://www.consumerismcommentary.com/2007/09/24/guide-to-citibank-credit-cards/#comment-121773 91030Mom Wed, 31 Oct 2007 01:29:24 +0000 http://www.consumerismcommentary.com/2007/09/24/guide-to-citibank-credit-cards/#comment-121773 Were you aware that Citibank won't let you move your credit line over to a new card? I've been doing this for years (take credit card A 0%, upon expiring pay it off, get a new 0% card (B) with Citi [usually lower credit line] and have them move the credit line from credit card A to B, so I can pull now the combined line out). This last time (early October) they said they would NOT move the line to a 0% card (I guess if you get a non-0% they would, but I never get those). I guess they're on to us, just FYI. This make playing arbitrage less attractive. Have you encountered this? Also, one question: Do you know if the FICO score is computed dynamically? Or is it computed on a certain date (eg the 1st of the month, or whatever). Just curious 'cuz I just paid off last week about 70k in 0% cards (the closing date was last week) and so I'm wondering if I apply for a new card today if my fico score would now be higher, or do I need to wait a certain amount of time for the reporting to "catch-up"? Thanks, 91030Mom Were you aware that Citibank won’t let you move your credit line over to a new card? I’ve been doing this for years (take credit card A 0%, upon expiring pay it off, get a new 0% card (B) with Citi [usually lower credit line] and have them move the credit line from credit card A to B, so I can pull now the combined line out). This last time (early October) they said they would NOT move the line to a 0% card (I guess if you get a non-0% they would, but I never get those). I guess they’re on to us, just FYI.

This make playing arbitrage less attractive. Have you encountered this?

Also, one question: Do you know if the FICO score is computed dynamically? Or is it computed on a certain date (eg the 1st of the month, or whatever). Just curious ‘cuz I just paid off last week about 70k in 0% cards (the closing date was last week) and so I’m wondering if I apply for a new card today if my fico score would now be higher, or do I need to wait a certain amount of time for the reporting to “catch-up”?

Thanks,
91030Mom

]]> By: Anonymous http://www.consumerismcommentary.com/2007/09/24/guide-to-citibank-credit-cards/#comment-119117 Anonymous Sat, 29 Sep 2007 06:04:18 +0000 http://www.consumerismcommentary.com/2007/09/24/guide-to-citibank-credit-cards/#comment-119117 Terrific way of getting back your money, really superb guide for all Citi bank credit cards. Terrific way of getting back your money, really superb guide for all Citi bank credit cards.

]]> By: thomas http://www.consumerismcommentary.com/2007/09/24/guide-to-citibank-credit-cards/#comment-119086 thomas Tue, 25 Sep 2007 04:43:55 +0000 http://www.consumerismcommentary.com/2007/09/24/guide-to-citibank-credit-cards/#comment-119086 good deal on the 0% BT and no fees. That's getting pretty hard to come by these days. Might have to jump into this card to make the extra money. Thanks. good deal on the 0% BT and no fees. That’s getting pretty hard to come by these days. Might have to jump into this card to make the extra money. Thanks.

]]> By: Mark McGuire http://www.consumerismcommentary.com/2007/09/24/guide-to-citibank-credit-cards/#comment-119085 Mark McGuire Tue, 25 Sep 2007 01:59:29 +0000 http://www.consumerismcommentary.com/2007/09/24/guide-to-citibank-credit-cards/#comment-119085 Another terrific way to get money back on your Citi cards is to own stock in Citibank. Muchas Gracias. Another terrific way to get money back on your Citi cards is to own stock in Citibank.

Muchas Gracias.

]]> By: Modern Worker http://www.consumerismcommentary.com/2007/09/24/guide-to-citibank-credit-cards/#comment-119082 Modern Worker Mon, 24 Sep 2007 17:24:25 +0000 http://www.consumerismcommentary.com/2007/09/24/guide-to-citibank-credit-cards/#comment-119082 GREAT post with a ton of effort obviously put in. Thanks! GREAT post with a ton of effort obviously put in. Thanks!

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