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Valued Contributor
scottwagnon
Posts: 1,344
Registered: ‎02-07-2010
0

Re: Citi Dividend CLI


FloridaState12 wrote:

 

When you went to request the increase, a screen didn't show up saying you're qualified for XXX.XX without a credit pull? I was all set for a HP but I saw that and said sweet I'll just take that and save an inq!


no, in fact i knew that i wouldn't see it, and in fact did use the online function intentionally for a hard pull. now had that been the case, i would have gladly opted for the increase without a credit pull.

EX BankCard 8 FICO 820 (250-900) 04/08/14
TU FICO 806 (350-850) 04/10/14
EX VT 3.0 805 (300-850) TU VT 2.0 891 (501-990)
Credit.com score 798 (300 - 850) TU transrisk 772
card line up here: http://ficoforums.myfico.com/t5/Credit-Cards/How-Many-Credit-Cards-Do-YOU-have/m-p/1034512#M290859
Valued Contributor
scottwagnon
Posts: 1,344
Registered: ‎02-07-2010
0

Re: Citi Dividend CLI


tinuviel wrote:

Congrats!


thank you tinuvel. i was also hoping you would say "congra" hehehe... i like it when you say that. it is fitting for my post ;D

EX BankCard 8 FICO 820 (250-900) 04/08/14
TU FICO 806 (350-850) 04/10/14
EX VT 3.0 805 (300-850) TU VT 2.0 891 (501-990)
Credit.com score 798 (300 - 850) TU transrisk 772
card line up here: http://ficoforums.myfico.com/t5/Credit-Cards/How-Many-Credit-Cards-Do-YOU-have/m-p/1034512#M290859
Regular Contributor
Kris1228
Posts: 216
Registered: ‎01-26-2008
0

Re: Citi Dividend CLI

Nice!!! I just requested a CLI on my Citi World MC 2 days ago, went from 6300 to 8300 without a hard pull. 

FICO's - 3/14/14 TU 795 4/17/14 EQ:805 3/7/14 EX: 801


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Valued Contributor
chnceit
Posts: 1,524
Registered: ‎08-17-2008
0

Re: Citi Dividend CLI

Thats awesome, Congrats!


$100K in Credit
Last Credit Card App: 11/16/13
Established Contributor
ObeyJohnny12
Posts: 591
Registered: ‎05-05-2012
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Re: Citi Dividend CLI


FloridaState12 wrote:

Congrats!

 

Strange that you had such trouble getting a soft pull CLI. I just got CLI's for my Dividend and Forward with no pull. Only $800 on the Dividend and $700 on the Forward, but still. It was for free so I'll take it. 

 

When you went to request the increase, a screen didn't show up saying you're qualified for XXX.XX without a credit pull? I was all set for a HP but I saw that and said sweet I'll just take that and save an inq!


Congrats OP!

 

Everytime i go online to request a cli on my Forward when i go to the review screen it says I'm authorizing  Citibank to view my credit history (i'm guessing it means a hp) so i always decline. I assume you have to submit the request and if you are lucky it will counter but if not it results as a hp. 

Gardening Since: March 4, 2013.
In My Wallet: Chase: Freedom Visa Signature | Sapphire Preferred World Mastercard. |
Established Contributor
ObeyJohnny12
Posts: 591
Registered: ‎05-05-2012
0

Re: Citi Dividend CLI

[ Edited ]

Kris1228 wrote:

Nice!!! I just requested a CLI on my Citi World MC 2 days ago, went from 6300 to 8300 without a hard pull. 



Congrats. If you don't mind me asking. Did you request it online or called? I always think it's going to be a hp when done online. 

Gardening Since: March 4, 2013.
In My Wallet: Chase: Freedom Visa Signature | Sapphire Preferred World Mastercard. |
Established Contributor
FloridaState12
Posts: 614
Registered: ‎08-24-2011
0

Re: Citi Dividend CLI


ObeyJohnny12 wrote:

FloridaState12 wrote:

Congrats!

 

Strange that you had such trouble getting a soft pull CLI. I just got CLI's for my Dividend and Forward with no pull. Only $800 on the Dividend and $700 on the Forward, but still. It was for free so I'll take it. 

 

When you went to request the increase, a screen didn't show up saying you're qualified for XXX.XX without a credit pull? I was all set for a HP but I saw that and said sweet I'll just take that and save an inq!


Congrats OP!

 

Everytime i go online to request a cli on my Forward when i go to the review screen it says I'm authorizing  Citibank to view my credit history (i'm guessing it means a hp) so i always decline. I assume you have to submit the request and if you are lucky it will counter but if not it results as a hp. 


Exactly. It's presumed to be a hard pull unless you get lucky and they already have a pre-approved CLI for you. It kinda gives you a rush going in accepting that you just got pulled only to find out you're a lucky one and get a free CLI! :smileylol:

 

There was an option to request more than the CLI they offered, but I assumed that would require a hard pull so I decided to keep my increase and have the HP's.

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Regular Contributor
Kris1228
Posts: 216
Registered: ‎01-26-2008
0

Re: Citi Dividend CLI

It was online and I was prepared for a hard pull, once it said approved it also said it was approved without checking or pulling my credit file. I opened the card a little over a year ago with a pre approval letter and it was initially approved with 6300 limit. Hope this helps
FICO's - 3/14/14 TU 795 4/17/14 EQ:805 3/7/14 EX: 801


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