stevedaytona

I used to think Chase were the worst. A few years ago they made the mistake of offering me a Balance Transfer at 5.99% for the life of the balance. This was great until they doubled my minimum payment last September. I was really ticked off at the time, but now I am through the worst of it and my balance has come down much faster. Citi are now the leader of the worst ever and the company I will never do business with again. I always paid on time, never missed and usually more than the minimum....so they raised my APR from 16.99 to 29.99, thereby forcing me to close the card (paying off the balance at 16.99%).

This is an interesting question for me. My latest Equifax score stated: "The percentage of department store accounts or charge cards to all of the accounts in your credit file". I have yet to discover exactly what this means since it doesn't say whether my percentage is too high or too low but I am assuming too high. I have three open accounts classified as Charge card plus another closed account. Total accounts in my file is 14 of which 9 are open. I have 11 revolving accounts of which 7 are open. So which percentage is too high and what can I do about it? Open more traditional credit card accounts???

I would not have minded applying for this card. However, I could not get past the first question - I am a permanent resident (since 2002) but not a US citizen. Probably should include that in the 'features'.