Citibank Platinum Select Credit Card Review
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Posted: Mon Sep 20, 2004 12:49 am
Post subject: Citibank Platinum Select Credit Card Review
Kathyrn
Date: 3/18/2001 2:43 pm CDT
Citibank customer's be warn seems to me there is what they call diffrent rules for even great customer's.
They raised our rate after being with them for almost 3 years with no late payments and no non payments.
They have used all kinds of excuses like credit report saying we were in default to another creditor .This was not true .We ran are own credit report which is in good condition .
I have decided to close this account out and carry on with the current rate we were being charged.Companies like this dont need to be in business if they cant treat good customers with respect.Dont always assume that people are not paying just cause their rate got raised!!It happens to good customers too.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
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Posted: Mon Sep 20, 2004 12:50 am
Post subject: Citibank Platinum Select Credit Card Review
credit smart
Date: 3/19/2001 6:28 pm CDT
You're debt to income ratio may be your problem.What you put down on the application as income received is used every time citibank reviews your account,and if they see that you are overextended then they will respond by upping your interest rates.You don't need to be late for them to increase your interest rates.Also paying just the minimum due is telling them that you are more risky like you are not working hard enough to get out of debt within reason to them.I have a citibank card,and at&t universal both owned by citibank,and i only had these for a few months,and i am not having any kind of trouble with them.Citibank is a good credit card company,and being responsible with credit usage is the important key for maintaining a good relationship with them.
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Posted: Mon Sep 20, 2004 12:52 am
Post subject: Citibank Platinum Select Credit Card Review
Eugene
Date: 3/19/2001 11:18 pm CDT
Good points, credit smart! I would add possibilities of high proportion of debt to total credit lines (not only to income), too many open accounts, too many new accounts, too many new inquiries or a bunch of others. Check out this link for more info: http://www.fairisaac.com/servlet/SiteDriver/Content/912
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
archive
Posted: Mon Sep 20, 2004 12:55 am
Post subject: Citibank Platinum Select Credit Card Review
Kathyrn
Date: 3/20/2001 1:23 am CDT
Thanks Eugene,
maybe that is it we had recently paid off our pickup when we bought new car but it hasnt been taken off credit report as paid yet.
I would expected though Citibank to say that is what it is not give us run around.
All in all though I think its just a monoply to make more money.Cause as long as a person has never defaulted they should not worry.
Im am learning though this is not a fair world .
Thanks again
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Posted: Mon Sep 20, 2004 12:49 am
Post subject: Citibank Platinum Select Credit Card Review
Kathyrn
Date: 3/18/2001 2:43 pm CDT
Citibank customer's be warn seems to me there is what they call diffrent rules for even great customer's.
They raised our rate after being with them for almost 3 years with no late payments and no non payments.
They have used all kinds of excuses like credit report saying we were in default to another creditor .This was not true .We ran are own credit report which is in good condition .
I have decided to close this account out and carry on with the current rate we were being charged.Companies like this dont need to be in business if they cant treat good customers with respect.Dont always assume that people are not paying just cause their rate got raised!!It happens to good customers too.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
archive
Posted: Mon Sep 20, 2004 12:50 am
Post subject: Citibank Platinum Select Credit Card Review
credit smart
Date: 3/19/2001 6:28 pm CDT
You're debt to income ratio may be your problem.What you put down on the application as income received is used every time citibank reviews your account,and if they see that you are overextended then they will respond by upping your interest rates.You don't need to be late for them to increase your interest rates.Also paying just the minimum due is telling them that you are more risky like you are not working hard enough to get out of debt within reason to them.I have a citibank card,and at&t universal both owned by citibank,and i only had these for a few months,and i am not having any kind of trouble with them.Citibank is a good credit card company,and being responsible with credit usage is the important key for maintaining a good relationship with them.
archive
Posted: Mon Sep 20, 2004 12:52 am
Post subject: Citibank Platinum Select Credit Card Review
Eugene
Date: 3/19/2001 11:18 pm CDT
Good points, credit smart! I would add possibilities of high proportion of debt to total credit lines (not only to income), too many open accounts, too many new accounts, too many new inquiries or a bunch of others. Check out this link for more info: http://www.fairisaac.com/servlet/SiteDriver/Content/912
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
archive
Posted: Mon Sep 20, 2004 12:55 am
Post subject: Citibank Platinum Select Credit Card Review
Kathyrn
Date: 3/20/2001 1:23 am CDT
Thanks Eugene,
maybe that is it we had recently paid off our pickup when we bought new car but it hasnt been taken off credit report as paid yet.
I would expected though Citibank to say that is what it is not give us run around.
All in all though I think its just a monoply to make more money.Cause as long as a person has never defaulted they should not worry.
Im am learning though this is not a fair world .
Thanks again
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
posted by CardRatings.com at 11:19 AM
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