Old Jul 6, 18, 9:13 am
  #2223  
mikesyr18
 
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Originally Posted by atomicfront View Post
They have formulas for breakouts. I am guessing if you are charging 25k in airline tickets you have extremely high income. Probably a mortgage history and auto loan history. Decades of credit history. Not a risk.
Or perhaps they have a long credit history but shallow credit report.

Someone with an extremely high income usually sees little use in obtaining credit when they can just save money by not paying interest.

A person could be 45 years old, have an extremely high income, have no inquiries and one account on their credit report, no carried balances, no late payments and have excellent credit... Certainly enough to get a card with a $30,000+ limit.

Everyone who takes out a loan is a risk. Everyone.

Originally Posted by Happy View Post
In the Citi forum, there was a thread over a year ago or even longer, also with similar scenario - a dispute on a duplicate charge from the merchant and led to account closure. IIRC it was the first time the cardholder disputed a charge which showed up on his card twice for something he ordered. Merchant supplied one invoice showing the order but the problem was, merchant charged his card twice. What are you going to do?
Citi isn't exactly the brightest card issuer out there, so nobody should ever take an involuntary closure from that bank to heart.
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