I have been turned down twice in the past year for credit increases, even though I always pay on time and pay-in-full my charges quickly. I have a fairly good credit score. Most recently I wanted to buy a new stove, which would have only needed a $500 increase in my available credit. They turned me down.
When I asked for an increase from J C Penney they offered me $1800. additional credit.
Guess who got my business ...?
Dump Citibank and use HUMANS to determine credit worthiness!