Citi: Denied CLI

[10022016]

"We can't approve your request because you currently have the maximum amount of credit we allow without your consent to obtain and review your updated credit report."

Can anyone further elaborate on the above statement? Or does it literally mean that once a person reaches a threshold, the bank would have to perform a hard pull each time an increase is requested by the card holder?

[HeavenOhio]

I'd guess that it means that Citi wants to hard-pull for this increase. But I woudn't assume that they'd want to do it for all future increases.

[AverageJoesCredit]

To me it just means you arent eligble at this time. Ive received this with my Citi Dc, took me forever to get my first ever sp cli but before i got it i received this letter. Funny thing is it took me 9 months just to get sp language, never approved, they finally gave me a $600 auto, reset the clock, then they actually took away the sp language. I tried anyway , no dice. When the 6 months officially passed, they ended up giving me a $2200 increase with the well pull a credit report language showing, though i never did get the hp. Sometimes it might refer to uour overall exposure to Citi amongst all Citi backed cards though i may be wronged. One letter did reference this though.

[Anonymous]

Got this message since November 2014. Took a hard inquiry and they turned the request down. Called and a CSR said in my case they would not extend me more credit period as I had the max risk exposure they would give out (income and other credit showing in the credit bureaus). Contacted CIti EO and no luck. Always played the six month rule game between requests.

[JSS3]

I got the same message. Decided to take a hard pull but was denied due to max exposure.

[10022016]

As seen in my signature, I only have one account with Citi.

[Anonymous]

That's Cit, all right. It is like the proverbial pulling teeth to get a CLI with them. Sorry OP.

[AverageJoesCredit]

No sig on mobile but probably with Citi one needs one sometimes lol

[CreditMagic7]

This is expected.

Something internal or the board that runs things comes out with that in spurts.

I got a similar message sometime over a year ago or more. After a pretty long dry spell without any CLI they eventually came back again. Whether it's a stopgap measure for certain profiles or across the level of cardholders, in my Citicards experience it's not so unusual.

The tell tale sign is when you decide to take the HP or not.

I got nowhere even going through the EO for something as simple as moving limits from a new card to an existing one just this summer. That was worth a usual double-pull i get.

Then barely a week later after that ordeal had my best CLI's from the SP page for BOTH! cards. I ended up closing the one i intended to move limits from.

If anybody ever gets a handle on the how and why by all means share it. No clue on this end and not sure there's a logical way to figure them out either

[Anonymous]

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@CreditMagic7 wrote:

This is expected.

Something internal or the board that runs things comes out with that in spurts.

I got a similar message sometime over a year ago or more. After a pretty long dry spell without any CLI they eventually came back again. Whether it's a stopgap measure for certain profiles or across the level of cardholders, in my Citicards experience it's not so unsual.

The tell tale sign is when you decide to take the HP or not.

I got nowhere even going through the EO for something as simple as moving limits from a new card to an existing one just this summer. That was worth a usual double-pull i get.

Then barely a week later after that ordeal had my best CLI's from the SP page for BOTH! cards. I ended up closing the one i intended to move limits from.

If anybody ever gets a handle on the how and why by all means share it. No clue on this end and not sure there's a logical way to figure them out either

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What CM said.