? CreditSpot Forum - Recent Posts https://creditspot.org/forums/ ? CreditSpot Discussion Board en-US Fri, 01 May 2026 21:37:04 +0000 wpForo 60 RE: Do banks look at other cards' limits? https://creditspot.org/forums/credit-building/do-banks-look-at-other-cards-limits/#post-134 Mon, 20 Mar 2017 07:43:59 +0000 Exactly, I already have two credit cards with rather low limits and my aim is to open another account which would offer me a higher limit and I was wondering how banks decide which limit to put. Are they checking my other accounts and place a limit similar to those? Or are other factors involved here?

]]> James8 https://creditspot.org/forums/credit-building/do-banks-look-at-other-cards-limits/#post-134 RE: Do banks look at other cards' limits? https://creditspot.org/forums/credit-building/do-banks-look-at-other-cards-limits/#post-133 Mon, 20 Mar 2017 07:40:30 +0000 Hi, I suppose you are asking this to know whether the limit the bank will place to your new card is determined by the limits you have on your other cards, right?

]]> Lester12 https://creditspot.org/forums/credit-building/do-banks-look-at-other-cards-limits/#post-133 RE: Does Citi report authorized users to credit bureaus? https://creditspot.org/forums/credit-building/does-citi-report-authorized-users-to-credit-bureaus/#post-132 Fri, 17 Mar 2017 05:21:02 +0000 Definitely, I would like to add my wife as an authorized user, who previously had a worse credit history than me, so I hope to be able to help her improve it, that’s why I asked this question. I heard that many banks don’t offer this opportunity, but I’m very happy Citi does. Hopefully soon her credit score will rise.

 

Thanks all for your answers, I’ll apply today.

]]> Saul https://creditspot.org/forums/credit-building/does-citi-report-authorized-users-to-credit-bureaus/#post-132 RE: Does Citi report authorized users to credit bureaus? https://creditspot.org/forums/credit-building/does-citi-report-authorized-users-to-credit-bureaus/#post-131 Fri, 17 Mar 2017 05:15:57 +0000 Yes, I heard that recently Citi Bank also reports authorized users. But that’s a very good thing, since it can also help them build their credit scores etc., right? In the end, you and your authorized users can help one another boost your scores

]]> milly21 https://creditspot.org/forums/credit-building/does-citi-report-authorized-users-to-credit-bureaus/#post-131 RE: Once and for all, any credit repair suggestions? https://creditspot.org/forums/credit-building/once-and-for-all-any-credit-repair-suggestions/#post-130 Thu, 16 Mar 2017 06:56:29 +0000 Thank you very much for all these advises, I'll definitely take them into consideration! I've also read the articles on this site's blog, they are indeed very informative. I truly hope my situation will improve soon

]]> eli653 https://creditspot.org/forums/credit-building/once-and-for-all-any-credit-repair-suggestions/#post-130 RE: Once and for all, any credit repair suggestions? https://creditspot.org/forums/credit-building/once-and-for-all-any-credit-repair-suggestions/#post-129 Thu, 16 Mar 2017 06:53:14 +0000 Hello, you could also try to open some extra-bank accounts (like 2 or 3 more), some are very easy to get in such situations (such as Capital One or Household Bank), and like this you could definitely improve your credit very quickly and thus have the possibility to ask for more substantial loans from prestigious banks in the future

]]> milly21 https://creditspot.org/forums/credit-building/once-and-for-all-any-credit-repair-suggestions/#post-129 RE: What is Chase Amazon Credit Card BIN Number? https://creditspot.org/forums/ask-the-credit-community/what-is-chase-amazon-credit-card-bin-number/#post-128 Thu, 16 Mar 2017 06:29:59 +0000  Hi Isaac, I put all the 6 digits, better to be safe than sorry! I think that’s the right procedure, I needed to fill in some forms and put the entire number and I didn’t receive any complaints from the officials I submitted the forms too, so I think that’s the right way to put it.

 

]]> milly21 https://creditspot.org/forums/ask-the-credit-community/what-is-chase-amazon-credit-card-bin-number/#post-128 RE: What is Chase Freedom Unlimited BIN Number? https://creditspot.org/forums/ask-the-credit-community/what-is-chase-freedom-unlimited-bin-number/#post-127 Thu, 16 Mar 2017 06:27:27 +0000  Oh yes, that’s the number on my card, thank you very much! I filled it in on the forms I need to complete and submitted them, I hope all’s fine, for the moment I didn’t receive any news regarding this, so I guess it should be correct

 

]]> milly21 https://creditspot.org/forums/ask-the-credit-community/what-is-chase-freedom-unlimited-bin-number/#post-127 RE: Does Citi report authorized users to credit bureaus? https://creditspot.org/forums/credit-building/does-citi-report-authorized-users-to-credit-bureaus/#post-126 Thu, 16 Mar 2017 05:59:28 +0000  I know for sure that Amex and Chase send reports to credit bureaus regarding authorized users too, but I am not completely sure about Citi.

I think that if during the application process for the card you will be asked to add the authorized users’ social security numbers, they will be reported to credit bureaus.

]]> Lester12 https://creditspot.org/forums/credit-building/does-citi-report-authorized-users-to-credit-bureaus/#post-126 RE: Will the bank return my money in case of credit card fraud? https://creditspot.org/forums/credit-card-fraud/will-the-bank-return-my-money-in-case-of-credit-card-fraud/#post-125 Tue, 14 Mar 2017 11:04:57 +0000  They definitely should! I once had problems with this and my bank was very prompt in returning the money I lost. If your bank refuses to do this, that’s not very professional, so I’d advise you to better change the bank!

 

]]> patrick54 https://creditspot.org/forums/credit-card-fraud/will-the-bank-return-my-money-in-case-of-credit-card-fraud/#post-125