Improved Credit Score Reason for Credit Card Credit Line Increases?
Guest: spjoink
Credit Expert (100+ Posts)
Post subject: Improved Credit Score Reason for Credit Card Credit Line Increases?
Posted: Sun Oct 15, 2006 1:56 am
it could be...you might have a totally different situation than me, my score went from 533 two years ago to 779 today....
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Guest: Alaskan Assassin
Credit Expert (100+ Posts)
Posted: Sun Oct 15, 2006 2:00 am
how many credit cards you have and what are all of your limits oh and how long is your history?
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Rich??
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Guest: ajulius
Credit Expert (100+ Posts)
Posted: Sun Oct 15, 2006 4:12 pm
dolmar wrote:
Dont you know Ajulius has something against Citibank/BOA. Loves to make flase statements about both.
For Example "Citibank has been cutting back on rewards programs on CC's and at the bank they cut back on the thank you points as well."
Citibank did lower the cash back bonus on Citi Dividend Platinum Select card from 5% at EDS to 2% but this card never offered Thank you points it was a cash back only card.
As Far as the bank side you still earning same points for banking with Citibank that you have earned over the last 2 years they did not scale back or change points earned amount.
Chase and Citibank both over the last 6 months changed both of there rewards programs now require more points for redeming a $50 GC worth From 5k to 6K points but left the $100 GC point value at 10K points and every other reward was unchanged. So I have a felling they felt they wanted to reduce thier cost for the rewards program by making people use thier points to redem for larger amount items instead of redeming more often for smaller denomination items.
MBNA and BOA changed thier rewards program form a tier redemtion level to a straight 1% cash back from a max of 2% and World points program has the same redemtions values as both Chase/Citi program where redeming $50 GC cost more than penny a point but for $100+ GC you can redem them at a penny a point.
So Citi just changed thier Thank You program to have the same redemtion value that both MBNA and Chase implemented first.
This person STALKS me on the forums and is very unstable. He stalked me on FatWallet and is now stalking me here. Very agressive behavior and has severe psychological issues. I am not a psychiatrist/psychologist, but I can tell this person can be very dangerous to say the least and is not an individual one would want to meet in person. This individual has nothing better to do than to somehow find comments I made and instantly appear meaning hes by the computer 24/7 just waiting for my comments on the internet.
With that being said, the comments about Citibank are my own comments and represent my own opinions and nothing was ever misled. 2 different people can of course have 2 different opinions.
As for lying about Citibank, requiring more points for the same reward is indeed the same thing as cutting back on points. Its a different wording for the same thing which has happened.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Credit Expert (100+ Posts)
Post subject: Improved Credit Score Reason for Credit Card Credit Line Increases?
Posted: Sun Oct 15, 2006 1:56 am
it could be...you might have a totally different situation than me, my score went from 533 two years ago to 779 today....
_________________
Den eneste Norske Viking pa dette forum!
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: Alaskan Assassin
Credit Expert (100+ Posts)
Posted: Sun Oct 15, 2006 2:00 am
how many credit cards you have and what are all of your limits oh and how long is your history?
_________________
Rich??
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: ajulius
Credit Expert (100+ Posts)
Posted: Sun Oct 15, 2006 4:12 pm
dolmar wrote:
Dont you know Ajulius has something against Citibank/BOA. Loves to make flase statements about both.
For Example "Citibank has been cutting back on rewards programs on CC's and at the bank they cut back on the thank you points as well."
Citibank did lower the cash back bonus on Citi Dividend Platinum Select card from 5% at EDS to 2% but this card never offered Thank you points it was a cash back only card.
As Far as the bank side you still earning same points for banking with Citibank that you have earned over the last 2 years they did not scale back or change points earned amount.
Chase and Citibank both over the last 6 months changed both of there rewards programs now require more points for redeming a $50 GC worth From 5k to 6K points but left the $100 GC point value at 10K points and every other reward was unchanged. So I have a felling they felt they wanted to reduce thier cost for the rewards program by making people use thier points to redem for larger amount items instead of redeming more often for smaller denomination items.
MBNA and BOA changed thier rewards program form a tier redemtion level to a straight 1% cash back from a max of 2% and World points program has the same redemtions values as both Chase/Citi program where redeming $50 GC cost more than penny a point but for $100+ GC you can redem them at a penny a point.
So Citi just changed thier Thank You program to have the same redemtion value that both MBNA and Chase implemented first.
This person STALKS me on the forums and is very unstable. He stalked me on FatWallet and is now stalking me here. Very agressive behavior and has severe psychological issues. I am not a psychiatrist/psychologist, but I can tell this person can be very dangerous to say the least and is not an individual one would want to meet in person. This individual has nothing better to do than to somehow find comments I made and instantly appear meaning hes by the computer 24/7 just waiting for my comments on the internet.
With that being said, the comments about Citibank are my own comments and represent my own opinions and nothing was ever misled. 2 different people can of course have 2 different opinions.
As for lying about Citibank, requiring more points for the same reward is indeed the same thing as cutting back on points. Its a different wording for the same thing which has happened.
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 4:38 PM
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