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Talk with USAA and the local Credit Union. I bet you will be pleasantly surprised. If you have an adequate income you will also be able to easily get a credit card from those institutions. If you do not have alot of land attached to your house you could potentially refi to USAA and just get rid of citi all together. Win/Win/Win for you??? Yep, not a big fan of citi either...
Sorry, I forgot, it was almost three years after cancelling about four credit cards before my credit rating moved back up. I never used them and saw no reason to pay monthly fees. Oh, I also paid off a house in this time frame which did not hurt.
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David
'83 SC Targa (sold  ) MANLY babyblue honda '00 F250 7.3L (MINE!)
'15 F250 Gas (Her Baby) '95 993 (sold )
I don't take scalps. I'm civilized like white man now, I shoot man in back.
Last edited by Groesbeck Hurricane; 12-18-2012 at 11:27 AM..
Reason: forgot credit rating
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