Credit Cards

Tips, news, reviews, caveats, trends, updates and analysis related to consumer and business credit cards, and prepaid debit cards. From the interest rate specialists @

Saturday, September 03, 2016

Citi® Quick Lock

Citi Quick Lock
Citi Quick Lock

Citi® Quick Lock: A new and very welcome feature for my +Citi MasterCard®.

And because it is my habit to test everything, I tested it, and it worked perfectly.

I received a very rapid email from Citi when I locked and unlocked my card.


I have a business debit card with Chase®, and it would be great if the powers at Chase added this feature to it.  The card is connected with my business checking account so security is of the utmost importance.

And ditto for my Bank of America® business credit card.


Somewhat unrelated, but I just want to add a strong kudos to +Bank of America, because during the worst of the 2008 banking crisis and the subsequent Great Recession, my favorite of America's big banks exercised decent and responsible banking with my credit-card accounts.  They did not:

  • Lower my credit limit(s)
  • Cancel my active account(s)
  • Force an interest-rate increase

During the worst of everything, my FICO® credit score either continued sideways or moved up, so I did not appreciate being treated like a subprime borrower by other credit-card banks, some of which no longer exist (go figure.)

Here's what my credit scores look like right now, provided by CreditKarma: TransUnion (808) and Equifax (811.)

Credit Scores
Credit Scores

 Responsible banking.

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