How is Citi and their CL's?

[lg8302ch]

For me Citi was the highest starting limit out of all my cards at 17K.... and this at the time where my previous cards until that day were 5K. I think Citi got the high approval CLs rolling for me  - Thank you Citi !

[SunriseEarth]

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@xgac12x wrote:

Is Citi rather stingy with their credit limits? I got approved for a double cash but it was only $1,200. I would like it to be around 5k but oh well. What was your initial limit?

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My DC was approved at $1200 and I was unsuccessful at getting a better CL with HP.   I SDed it until I had a recent incident with my car.   I'm slowing paying off the balance since they're in promo period.    I'll very likely close once the promo period is over.  

[lg8302ch]

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@SunriseEarth wrote:

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@xgac12x wrote:

Is Citi rather stingy with their credit limits? I got approved for a double cash but it was only $1,200. I would like it to be around 5k but oh well. What was your initial limit?

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My DC was approved at $1200 and I was unsuccessful at getting a better CL with HP.   I SDed it until I had a recent incident with my car.   I'm slowing paying off the balance since they're in promo period.    I'll very likely close once the promo period is over.  

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It looks that Citi is stingy with CL on DC and also a bit high with APR.  If you had another Citi card I would have suggested to PC to DC as they will transfer not only the full CL but also the APR.  I doubt that with an app for DC I would have gotten 17K. Mine was an AAdvantage Platinum Select before. Now waiting for 2 years to collect another sign up bonus for a new  AA card

[kdm31091]

This is a very typical Double Cash experience. Many people get lower limits than expected. Then you have to take another HP to get a decent limit which I think is stupid - they should just give you a good limit in the first place!

[kdm31091]

I had one at 1k and closed it because a 1k general spend card is useless. I'm happy with my Quicksilver and the rewards are hassle free.

[bz386]

8.2K initial limit when DC was opened back in 8/2014, $1.5K SP CLI today.

[Anonymous]

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@chwebb1 wrote:

My Citi card started out at $4000, and I'm now up to $5400 with them, so I'd say they're fairly generous with CLs.

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When did you open your DC? HP or SP CLI?

[Anonymous]

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@kdm31091 wrote:
I had one at 1k and closed it because a 1k general spend card is useless. I'm happy with my Quicksilver and the rewards are hassle free.

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Bad CS = Not hassle free.

[toothgrind3r]

Got the Double Cash Sept. 7th, with a starting limit of $4500.

Ran about $1000 through it per month, paying in full.

2 and a 1/2 months later requested a CLI, asked for $15,000, about an hour later approved for $15,000...HP and was worth it to me.

[CribDuchess]

My DH and I both have two Citi cards - the Simplicity and the Double Cash.  Cit has been very good to us.

I was approved for the Simplicity card in November 2012 with a starting limit of $10,900, and I have requested & received SP CLIs every 6 months or so, usually around $2,000 each time.  In fact, I just received my most recent SP CLI about two weeks ago for $2,200 which brought the card to its current limit of $17,300.  I was approved for the Double Cash card in November 2014 with a starting limit of $10,000.  I will be requesting a SP CLI on this card in August.

My DH was approved for the Simplicity card in May 2012 with a starting limit of $7,400.  He, too, has requested & received SP CLIs every 6 months or so.  His current CL is $19,000.  DH was approved for the Double Cash card in September 2014 and received a starting limit of $8,000.

We have no complaints with Citi.  I imagine if we were willing to take HPs, we could have even larger limits.