New Citi CLI Form - No HP's (and it works)!

[2011beginnings]

THANK YOU SO MUCH!

I had been gardening but want CLI's on my accounts.

Went from $4300 to $5700 on my Citi Dividend card.  I barely use it but this will entice me to use it more.  Especially for a soft pull.

[myjourney]

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@2011beginnings wrote:

THANK YOU SO MUCH!

I had been gardening but want CLI's on my accounts.

Went from $4300 to $5700 on my Citi Dividend card.  I barely use it but this will entice me to use it more.  Especially for a soft pull.

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Good job

[emptypockets]

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@2011beginnings wrote:

THANK YOU SO MUCH!

I had been gardening but want CLI's on my accounts.

Went from $4300 to $5700 on my Citi Dividend card.  I barely use it but this will entice me to use it more.  Especially for a soft pull.

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Great! I hardly use mine either (like once every 6 months), but I will take advantage of the SP CLI.

[yudeology101]

Thanks for the info.  Just tried my luck and got a big fat NO and a letter will be sent out soon. I guess it's because the account is less than 6months. 

[efranklin23]

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@emptypockets wrote:

I just checked my Citi accounts, and the new form clearly states:

It's easy to find out if you qualify for a credit limit increase. A credit bureau report will not be requested and you will receive an instant decision.

You then enter info for income, and Mortgage, and it gives you the instant approval amount (It says,congrats, you are approved for XXX amount. It then says you can request more with a HP, and states if you click the "request more" button, you will have a hard pull.

This was new to me because a few days ago when I tried, I got the form that wanted me to allow them to pull credit.

I got the following CLI's:

Citi AA 11k ---12.9k

Citi Diam Pref 6.8k -- 8.1

Citi Dividend 5.8k--7.3k

So, 4.7k with no HP, not bad.

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Not bad at all? That's great! and all with one card provider? 

[Anonymous]

Fantastic tip! My fiancé just tried this. $1,000 existing CL on a Simplicity card for over a year - a lot of use and PIF each month. Instant approval from $1,000 to $2,300. Got a bit greedy and decided to ask for $15,000. Within 15 minutes, got an e-mail response that said the $15,000 was approved! No questions, POI, etc. Tried again for $25,000 and declined, but we'll take the $15,000!

[Anonymous]

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@emptypockets wrote:

I just checked my Citi accounts, and the new form clearly states:

It's easy to find out if you qualify for a credit limit increase. A credit bureau report will not be requested and you will receive an instant decision.

You then enter info for income, and Mortgage, and it gives you the instant approval amount (It says,congrats, you are approved for XXX amount. It then says you can request more with a HP, and states if you click the "request more" button, you will have a hard pull.

This was new to me because a few days ago when I tried, I got the form that wanted me to allow them to pull credit.

Congrtats!!

I'll be interested to see if Citi's  automatic "no increase if you have requested an increase in the past 6 months" is still active.

[Anonymous]

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@Anonymous wrote:

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@emptypockets wrote:

I just checked my Citi accounts, and the new form clearly states:

It's easy to find out if you qualify for a credit limit increase. A credit bureau report will not be requested and you will receive an instant decision.

You then enter info for income, and Mortgage, and it gives you the instant approval amount (It says,congrats, you are approved for XXX amount. It then says you can request more with a HP, and states if you click the "request more" button, you will have a hard pull.

This was new to me because a few days ago when I tried, I got the form that wanted me to allow them to pull credit.

Congrtats!!

I'll be interested to see if Citi's  automatic "no increase if you have requested an increase in the past 6 months" is still active.

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I'm not sure about the people that just accepted the SP, but after our SP and subsequent HP, they wouldn't let us see any other approvals... had to key in exactly what we wanted.

[Anonymous]

Update! Despite the fact that we got a denial email, we just logged into the app a couple of minutes ago and the $25,000 was there!!! I can't believe they just increased the limit by $24,000 in one night without any verification or need to speak with a human!!

[Transmogrifying_Bee]

Wow!  After hearing about the gentleman who just got a $24000 CLI, my two cents worth are worth just about that . . . two cents!  Anyways, I tried out the new Citi CLI button, and went instantly from $5000 to $6300!  Not bad considering that I seldom use the card and that I've probably charged less than $300 total on it since I got it last Spring!  I'm tempted to chance a HP, but figure I'd better place at least some activity on the card before I go this route. 

MANY THANKS to the OP for this heads-up!!!