Posted on Oct 13, 2022
SGT Computer/Detection Systems Repairer
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Hello, I got the GTC a long time ago, and when I applied for it, I didn't have a credit score. So they gave me a restricted credit card which does not show up on my credit report. Is it possible for me to upgrade the card to have it reported on my credit?

The account age and on-time payments would help my credit. And I never use the thing anyway. Thank you
Posted in these groups: Finance Finance
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SFC Retention Operations Nco
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Oh it reports to your credit, just only when you're delinquent.
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COL Randall C.
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You can upgrade the card (just request a new travel card normally). They'll pull a new credit score check and you'll have to meet the requirements (FICO score >659).
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COL Randall C.
COL Randall C.
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That's twice RP "ate" my edit ... blah.

Regarding the reporting, I believe that Citi will do that even for restricted accounts. Check your credit report* to see if Citi is on there.
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* Everyone is entitled to a free annual credit report from the three reporting agencies. Due to COVID they are allowing you to pull the report weekly.
https://www.annualcreditreport.com/
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