Citi quick lock limit reddit In just 10 seconds I was instantly approved for a $1500 increase. The best strategy to get a higher limit with Citibank is to use the card, leave a small balance, and don't max it out. Activating the lock blocks new purchases and cash advances while still allowing recurring payments, Secure your Citibank card instantly with Citi Quick Lock via the Citi Mobile App or Citi Online, blocking new charges while allowing recurring transactions. Was that a carried balance that you paid down to 24%? I'm assuming you weren't paying your statement balances in full every month and just had a single cycle where you spent 60% of your limit, but wanted to clarify to be sure. I know there are better credit cards for rewards and what not but it was a perfect card to start with. As many of you know, requesting credit limit increases can be key to increasing your credit score, but can sometimes be a tedious task. That means, when locked, new charges are blocked while previously approved recurring charges continue without disruption. I oppened 3 credit cards within the last year and always pay off my balance. I first requested an increase 8 months after having the Double Cash card and again at 10 months (both online requests), being denied both times. My husband makes over $100k and I'm a stay at home mom. American Airlines AAdvantage® Mile Up®: One cardholder reported opening this card and receiving an initial $7,300 spending limit , though anecdotal reports indicate higher limits are possible. Chase let’s me do this with no Citi is crap- they reversed a credit for over $2700 and did no investigation. Citi ended up locking my account because I wanted to add my CC to my mobile wallet, anyone has similar issue? I tried adding the card to my Samsung wallet and it asked for a text or phone call verification, I selected the options multiple times and I didn't get a single phone call or text message. I recently got an offer in the mail to apply for a Citi Rewards+ (and I already have the 'Citi Double Cash' and 'Citi Costco Anywhere' card). Additionally, they have something like a 25k monthly limit. Banks usually don't drop limits 90% on a whim. The problem is, Citi will NOT combine my limits to one card and let me cancel the other one. No history w/ Citi. For short trips/commutes to work, I am a huge fan of the citi e-bikes (especially for going over the bridges). I don't like having to worry about where to lock my Cannondale up so its really the best of both worlds. My husband and I just opened a Citi Simplicity credit card because we wanted to transfer our balance from another card to take advantage of their 21 month 0% interest rate. My gut instinct is that there is something with their credit history that spooked Citi for them to have a $30K limit. I've been combing through posts on here about Citi credit limit increase requests and see that many people get approved for increases within several months of owning the Citi Double Cash card. Citi DC is the gold standard for basic cashback Citi Custom Cash is literally unbeatable in its categories. You can ask for an increase online every 6 months with Citi, and in my experience, they always increase your limit as long as your relationship is good. They refused to let me really reopen the case as Valyou did a fine job delaying the non delivery of the furniture. Quick question regarding your 60% utilization. Circa late 2017, my parents got a Citi Double Cash. If using it for gas, sometimes they say no due to no need. Then a couple weeks later I got a mail offer thanking me for that and offering me the Diamond Preferred. I got it after doing a shared secured loan through them. All of my cards are in good standing and I’ve never even gone up to my full 30 percent credit usage and I also have over 17K in my bank account. 793 Credit Score 2/6, 3/12 May 21, 2024 · The Citi Rewards+® Card: A Reddit user with a self-reported annual income of $500,000 said they received a $45,000 credit limit on this card. If they did, I would cancel the CP and transfer the limit to my CCC. . For more information, please login or call Citi Customer Service at 1-800-950-5114 (For TTY: Use 711 or other Relay Service). I love CCC because I get 5% back on my most spent category (which I use for gas). OP shouldn’t have issue with the bump! Your card may have additional benefits other than these listed above. I have 3 different cards with Citi and none has seen their limits reduced. 5%. For day trips, I use my own bike. AA cards have great signup bonuses and are churnable every 2 years. Citi sucks. I had Marcus before and I easily moved money between bofa and marcus without any issues or delays at all. This is a question to Citi AA executive card users with authorized users so they can access admiral clubs. I got approved for $6,900 similar to my other cards. 2. Three months later, Citi calls the house phone and asks if it's them. Aug 5, 2016 · The Citi® Quick Lock feature provides peace of mind during an otherwise emotional event, ensuring that no unauthorized charges are made while a card is misplaced. So, I applied for the card and only received a $700 credit limit which is INSANE! My lowest credit limit on even my first card was 3K when I had no credit at all. With the Citi Mobile app (I have the Citi Double Cash), all you need to do is click Services>Credit Management>Request Credit Limit Increase. I signed up for an online trial of a business software application that costs $99. To avoid this, use your card at least every few months (for us it is a year of no activity before dormant status is set - when the card expires we do not auto-renew it. We were floored when they only gave us a $500 credit limit, which was confirmed when we activated our card today. I have two cards-Citi Professional and Citi Custom Cash. I started with a $3500 cl and within 9 months, I now have a $10k line on that one and they approved me for another card with $8. Earn 1% cash back thereafter on all other purchases. While there may not be a limit to how long you can lock it, there is likely a timer on how long before they shut down the card for lack of activity (dormant). If you showed you used the other card more often, they would probably let you increase the limit on it. Reply reply Tech_Scribe I have both a Cannondale Quick 5 and a Citibike membership. Congrats on the PCLI! Enjoy that higher limit that you were hoping for. Citi Prestige (can't sign up for) is easily one of the best premium cards out there for frequent fliers. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026. I want to lower their limit, if I do use the website to lower it, will the authorized user receive… Earn 5% cash back on your top eligible spend category each billing cycle up to $500 spent. Rejected for Citi Premiere. Jun 13, 2024 · The Citi Quick Lock feature lets you lock a lost or stolen card with two simple taps. Like everything YMMV. Can you just lock the authorized cards so they cannot charge anything to them but they can still get into admiral clubs? I know that card does not allow setting spending limit for authrized cards. Citi is usually pretty generous with the Costco card due to Costco statistically having the largest transaction size and amount per transaction in retail. Posted by u/Kielbocs98 - 10 votes and 24 comments Your card may have additional benefits other than these listed above. Feb 2, 2024 · To freeze a Citibank credit card, log in to your online account or the Citibank mobile app and navigate to “Citi Quick Lock. Citibank, like many banks, is heavily algorithm driven. I have an authorized user on my Citi Costco card. 2 My first limit increase was $2,000, about half my prior limit, but the next was only $1,500. Most users spend plenty so they’re happy to bump limits as long as you use it. I got a limit of 1k with a low level of income from a minimum wage job and am pretty content with that limit for now. It still has less than half the limit of my only other card, but that other card has a longer history and saw higher usage. They give small increases on that one, like $1000-1500 per year. Citi Rewards+ has the best cash back for tiny purchases. I've done this previously--several years ago--and I remembered how difficult it was to cancel, so I decided to use Citi's virtual account number feature to generate a card number to give them. I actually got the limit on one of them increased slightly 2 months back. ” You can also call Citibank customer service at 1 (800) 950-5114 and ask them to freeze your card, though it is much easier to lock and unlock a credit card online. 99/month. 5k. I have over 125k with Citi and I logged in and saw they had a 10k daily limit after I transfered 125k and it never said anything about limits transferring out before then. Be sure to read sub rules before posting, use the resources linked in the sidebar / about section of the sub, and use search to see if your question has already been answered. Valyou Furniture ripped me off and did not deliver my furniture. Unfortunately, they are more likely to do it retroactively. A subreddit for discussing credit cards. Citi credited me and reversed the credit the same day. Terms and conditions apply. I called recon and they said I have too high credit limit, and opened too many accounts within the last year that do not have a balance. I used the citi card primarily because it was 2% cash back while the others are 1 or 1. It was my first CC that I got about a year ago. aqya hpdw khtqi yrml njjij qzevy afto aoysl ebgg vlopi