1 of 11
2 years ago
Tue Jul 19, 2022 10:30 am
BrutalBodyShots
Senior AdministratorGoodwill Saturation Technique Author
BrutalBodyShots has been gardening for over 2 years.
BrutalBodyShots has achieved the Garden Goal !!
BrutalBodyShots has achieved the Garden Goal !!
So I've had a $20k Citi Flex Loan offer sitting on my account for probably over a year now. I get mailers every other month or so in my mailbox about them, email reminders of them and of course am spammed with them when I log into my account. I find it silly that they always have a must respond by date or offer ends date of usually 6 or so weeks out, just to see the offers continue 6 weeks later with a new expiration date.
Anyway, for the first time today I see that they've increased the offer by 50%, so they're now targeting me for a $30k Citi Flex Loan. Has anyone else seen their offer increase without your credit line increasing? My card has a $32,900 limit, so instead of pushing me for up to 61% of my credit line being used by the loan it can now be 91%.
I still plan on taking advantage of one of these offers if Citi can ever figure out how to get my account to update monthly with TU. I'd go with the full $30k, let it report, then pay it off just to bump up my "high balance" on the account. That's been the plan for a long time now, just waiting to see if Citi can ever get their shit together. Good to know I can nearly max out the card now with one rather than going for just 61% utilization.
Anyway, for the first time today I see that they've increased the offer by 50%, so they're now targeting me for a $30k Citi Flex Loan. Has anyone else seen their offer increase without your credit line increasing? My card has a $32,900 limit, so instead of pushing me for up to 61% of my credit line being used by the loan it can now be 91%.
I still plan on taking advantage of one of these offers if Citi can ever figure out how to get my account to update monthly with TU. I'd go with the full $30k, let it report, then pay it off just to bump up my "high balance" on the account. That's been the plan for a long time now, just waiting to see if Citi can ever get their shit together. Good to know I can nearly max out the card now with one rather than going for just 61% utilization.
- Tagline Goodwill Saturation Technique Author
- Classic 8 Scorecard CLEAN/THICK/MATURE/NO-NEW-REVOLVER
- Mortgage Scorecard CLEAN/THICK/MATURE/NO-NEW-ACCOUNT
- AoOA 266 months
- AoORA 266 months
- Date of Last Inquiry and/or New Account Opening May 23rd, 2022
- Garden Goal 24