Epic Contributor
Posts: 23,784
Registered: ‎10-23-2007

Citi Business AA World MC - CLI HP!

So had hit the button online the other day because it was a short form unlike the one I see on the personal side so thought maybe that meant! I was wrong...

HP to EX and decline

get letter yesterday - "Account not OLD ENOUGH for CLI"


Now I'm fine that it did say it might pull credit but WHY pull if it's not even eligible?

I called in and the first rep is here in US and speaks good enlish but her knowledge ends at that. I felt like I was recon' the app.... we don't have that department, we can't see credit, those people don't talk to customers, the list goes on... finally I was like... Look, I don't play the citi game, I don't know what you call your managers, supervisors, credit analyst, the pope, all I know is you have another department and you don't have the answers so it's frustrating for you to lie to me (I know it's what you are trained to do and you may not even know some of the things you are telling me are not true, so I don't blame you but if you don't transfer me to whoever the next person you call is, I'm going to blame you! She said please hold.


okay so part of my issue is the letter simply states account not open long enough... thanks citi.

I know it's a business card so the credit law doesn't require them to send you the score and what not like personal but don't they have to tell you they pulled credit?? I only know because we have monitoring for both me and my partner... I call BS on a bank pulling not only EX HP but a D&B and not telling the customer AT ALL! and then to pull it when it's not even used.


she knew about as much as the first so "said" she would have to put a request in for that department to call me... I won't hold my breath.


Not sure the truth since she knew nothing about credit but she said online no way to know HP or SP but if you call in they can see about a SP only CLI before proceeding with HP request.... anyone know more about this or any truth to it? is it a business card thing or both business and personal?

Fico Scores: EQ- 662., TU 684 Barclay, EX 700 (3/21/15)

You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
72 Cards and Counting :smileytongue:
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.