I agree with above posters. Citi Simplicity will start with low SL. atleast that was in my case when i had other cards ranging from 8k to 15k during that time. i think i started wtih $3500 or so. But it grows slowly every 6 months. now it stands at $9k
You may give a try to Citi diamond for its 21 month BT 0% apr. but not sure about the starting limits. and also your scores are less 20-30 points for solid approval from citi.
I came across this thread while researching BT cards. Citi is at the top of my list. It looks like they pull EX. My score is 748. No liens (they were just removed 
) but I have a BK from 2009. Most of my cards are in the $10K - $17K range. I want to BT about $8K so I need a healthy limit. What do you think?
OP - I regret to say that I don't think Citi would start you off high enough. As Joe suggested, asking PenFed for a CLI may be a better option then doing a BT to them. If they turn you down for it, call and ask to speak with a loan officer to reconsider. If you are increasing due to a balance transfer they have a lot more ability and incentive to make that happen for you. "Move your balances to PenFed" isn't just a banner at the top, it's apparently a driving goal of the LOs there.
masscredit - really could go either way depending on the rest of your stats. I don't know much about how the different lenders react to BK. My SL was only $5500 FWIW with my average being around $12k at the time.
masscredit - really could go either way depending on the rest of your stats. I don't know much about how the different lenders react to BK. My SL was only $5500 FWIW with my average being around $12k at the time.
I was originally turned down for the CLI on my PenFed Defender. The reason given was "presently have max open end credit." I thought that was translating to pyramiding debt or what we call "walking like an Egyptian" around here. When I called, I just asked the CSR if I could speak to a loan officer to reconsider my credit line request that had been denied. Ten seconds later I was on the phone with a very pleasant loan officer. She verified my income and a few identifying questions, took a look through my credit report, chuckled when I mentioned my reason for denial and said "no, that just means our underwriting thought that you had enough revolving credit on your credit report compared to your income" (I think I was at about 1.7x or something like that). She asked how much I wanted (I really should have gone higher), I told her $20k (SL was $7500) because I wanted to transfer an American Express balance of $12,000 but didn't want to max out the card, and she immediately approved it. She told me that when it comes to balance transfers, they can be more generous in extending credit.
Long-winded but just wanted to give you the success story. My card was about 6 months old at the time. Oddly, I decided to use the HP 2 months later to try for a Power Cash Rewards card when I went on a mini-spree of spending bonuses and they approved me for $10k overnight - no Egyptians or "presently have max open end credit," even though I had actually increased my limits since receiving that notice.
Gotta love this forum. A Citi thread turned into a PenFed thread, yet still remaining pretty much on the original topic.
