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Author Topic: Citicard "risk closure"  (Read 7963 times)

Offline Yordai Dooma

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Citicard "risk closure"
« on: November 12, 2011, 10:37:51 PM »
Ive had Citi cards for many years, never had an issue before...

I recently applied for the Citi Executive card in order to try and hit LT plat while i can. I asked for a credit line increase and they did so by closing on of my other cards...Everything was fine. I spent quite a bit, and sent a few payments even before the statement closed. I will say that a cousin of mine is using the card as well (has a card in his name-diff last name) and does quite a bit of business spending on it although the spending that is done does not necessarily appear to be business spending.

Tonight, my card was declined. I called Citi and they said i have to call back on Monday and to call 888-258-1166. I googled that number and it seems like its a Citi "FR dept". From reading online, it seems many people have had their cards closed for no reason other than being too high-risk. They are calling it a "risk closure." It seems that once closed by this dept, no one has seen their card reopened. Im hoping they just want to verify some things and this is not whats going on.

I figured id put this out there and see if anyone else has ever experienced anything similar with Citi and what i can expect on Monday...
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Offline Dan

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Re: Citicard "risk closure"
« Reply #1 on: November 13, 2011, 12:04:52 PM »
I've read of people getting hit with Citi AA (Adverse Action).
Not really an F/R dept. if all they do is close your account instead of reviewing and then deciding whether to close.

No experience with them, BH, even with a 6 figure credit line.
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Offline AsherO

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Re: Citicard "risk closure"
« Reply #2 on: November 13, 2011, 12:11:00 PM »
Quote from: Dan on November 13, 2011, 12:04:52 PM
No experience with them, BH, even with a 6 figure credit line.

BH. What's the biggest CL you have on one Citi card? I have ~$20k on my biggest Citi CL IIRC
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Offline Dan

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Re: Citicard "risk closure"
« Reply #3 on: November 13, 2011, 01:13:52 PM »
I got my main card up to $80K before they stopped letting you combine credit lines and have a few more cards at about $20K each.
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Offline mers1

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Re: Citicard "risk closure"
« Reply #4 on: December 17, 2016, 07:24:33 PM »
Does anyone have any experience with this Citi department and can advise?
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Online LoLo

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Re: Citicard "risk closure"
« Reply #5 on: December 17, 2016, 07:27:50 PM »
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Offline yoss6400

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Re: Citicard "risk closure"
« Reply #6 on: December 17, 2016, 10:59:26 PM »
have a 20k CL the highest with citi
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Offline coralsnake

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Re: Citicard "risk closure"
« Reply #7 on: December 18, 2016, 12:02:09 AM »
Quote from: yoss6400 on December 17, 2016, 10:59:26 PM
have a 20k CL the highest with citi
What do you mean? I have 25k with Citi.
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Offline yitrap

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Re: Citicard "risk closure"
« Reply #8 on: May 07, 2018, 05:41:47 PM »
Anyone have DP of closures due to cycling CL?
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Offline chbochur

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Re: Citicard "risk closure"
« Reply #9 on: May 07, 2018, 07:55:31 PM »
Quote from: yitrap on May 07, 2018, 05:41:47 PM
Anyone have DP of closures due to cycling CL?
No, other then it recently happened to me.
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Offline yitrap

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Re: Citicard "risk closure"
« Reply #10 on: May 07, 2018, 08:01:29 PM »
Quote from: chbochur on May 07, 2018, 07:55:31 PM
No, other then it recently happened to me.
Can you provide a little more info?

How long did you have Citi cards?
How often were you cycling?
What was your CL?
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Offline chbochur

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Re: Citicard "risk closure"
« Reply #11 on: May 07, 2018, 08:06:43 PM »


Quote from: yitrap on May 07, 2018, 08:01:29 PM
Can you provide a little more info?

How long did you have Citi cards?
How often were you cycling?
What was your CL?

I had the cards open for a few years. I would cycle through the full cl (in some cards it allows 3x the cl) every month (pay before statement due...

I had a few cards the dc was a 35k limit the v executive plat was 24k and the plat select was 19k (if I remember the numbers correctly).

I had the same for my parents as well with similar numbers and they shut me and my dad but the interesting thing is they didn't shut my mom's accounts.

I tried calling the executive office and they looked into it for me but didn't help me at the end.
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Offline yitrap

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Re: Citicard "risk closure"
« Reply #12 on: May 07, 2018, 08:11:13 PM »
Quote from: chbochur on May 07, 2018, 08:06:43 PM

I had the cards open for a few years. I would cycle through the full cl (in some cards it allows 3x the cl) every month (pay before statement due...

I had a few cards the dc was a 35k limit the v executive plat was 24k and the plat select was 19k (if I remember the numbers correctly).

I had the same for my parents as well with similar numbers and they shut me and my dad but the interesting thing is they didn't shut my mom's accounts.

I tried calling the executive office and they looked into it for me but didn't help me at the end.
What did they say the reason was? Were you able to reopen?
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Offline chbochur

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Re: Citicard "risk closure"
« Reply #13 on: May 07, 2018, 08:19:16 PM »
Quote from: yitrap on May 07, 2018, 08:11:13 PM
What did they say the reason was? Were you able to reopen?
If I recall correctly they said they don't need to give a reason, and no they were not reopened
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Offline yitrap

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Re: Citicard "risk closure"
« Reply #14 on: May 07, 2018, 08:20:57 PM »
Quote from: chbochur on May 07, 2018, 08:19:16 PM
If I recall correctly they said they don't need to give a reason, and no they were not reopened
From Chase a/a thread it seems they do, maybe you still have a chance.

How long ago was this have you tried applying again?
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Offline davidrotts63

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Re: Citicard "risk closure"
« Reply #15 on: May 07, 2018, 08:26:38 PM »
Quote from: yitrap on May 07, 2018, 08:20:57 PM
From Chase a/a thread it seems they do, maybe you still have a chance.

How long ago was this have you tried applying again?
It's all here 🤷
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Offline chbochur

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Re: Citicard "risk closure"
« Reply #16 on: May 07, 2018, 08:31:58 PM »
Quote from: yitrap on May 07, 2018, 08:20:57 PM
From Chase a/a thread it seems they do, maybe you still have a chance.

How long ago was this have you tried applying again?
Interesting maybe they gave a reason but it was more then 60 days ago
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Offline yitrap

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Re: Citicard "risk closure"
« Reply #17 on: May 07, 2018, 08:32:23 PM »
Quote from: chbochur on May 07, 2018, 08:31:58 PM
Interesting maybe they gave a reason but it was more then 60 days ago
Thanks for all the details
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Offline davidrotts63

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Re: Citicard "risk closure"
« Reply #18 on: May 07, 2018, 08:33:14 PM »
Quote from: chbochur on May 07, 2018, 08:31:58 PM
Interesting maybe they gave a reason but it was more then 60 days ago
Who says that 60 days is a cut off. No reason SOL should end there. It's a real violation of federal law.
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Offline chbochur

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Re: Citicard "risk closure"
« Reply #19 on: May 07, 2018, 08:33:14 PM »
Quote from: yitrap on May 07, 2018, 08:32:23 PM
Thanks for all the details
Good luck with your situation
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