You can't do anything these days without someone finding something bad or stupid to bring you down, no matter how hard you try to do right. Our economy is messed up and people are spending more due to that. Just do you and stop worrying about the company bullshit. It's all about that computer program. Cal, thanks for your help.
Awesome explanation about how the banking process works. The way you explain the information you accumulate from bank and credit card insiders is always eye-opening. Kudos to you. Thank you.
Now i know why citi cut my credit limit out of nowhere...i paid off my citi cc every month except for this one month i paid just the minimum and citi immediately gets scared and cuts my CL (it looks like it's better to start out paying the minimum for a couple of months then pay off the rest, this way their computer doesn't get surprised if one month you need to just pay the minimum. (for now on i will mix it up with my cc payments, one month i'll pay just the minimum and next month i'll pay off the whole balance)
I think a lot of these bank and credit unions are doing this. They really want more of your business than just a credit card. They want to see your cash flow in their bank.
My mom's credit score was bad but she was having like 15 credit cards and then her boyfriend had like 10 because they all maxed their cards out but they all pay the minimum payment so they just kept sending her cards and she kept maxing them. Lol But I guess she she won at the end after a few years doing that she ended up dying so the banks lost money😅
