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Member
Posts: 16
Registered: ‎10-12-2012
0

Citi, Chase credit limit increase

I got my citi card in Nov 2011, never requested line increase.
Nor there was an auto increase by citi.
I called the city for line increase in October
and they raise my limit to 6k from 4k.
This was an automated increase without a hard inquiry
Although I requested, I specifically asked for increase
without a hard pull.
And the representative sought if I am qualified for an automatic increase
where he just put the number on a computer.
I did qualify and received an increase instantly.
I want to turn my card onto 10k.
So I am thinking whether I should request line increase
but I am afraid that they might turn down since it only has been a month.
On there system, however, it should be an automated increase.
And I am willing to take the hard pull this time.

Also, I recently moved my chase card line (5k) onto another (3k) and closed 5k card.
That was also in October and now I am with 8k line.
I wish to make it over 10k, preferably 15k.
Here I did not request line increase. I just moved lines that I already have. No credit pull.

For both cards, I never had late payments and always paid balance in full.
Before the request, I will pay off total balance making it zero (if that helps).
My credit fico scores are 730is. No negative acct but short length of 2yr.

My question is,
If I request line increase 1 month after an auto increase, do I have some chance of getting it ?
If I request line increase 1 month after the consolidation, do I have some chance of getting it ?

Sorry for the long post; Thank you for your time reading it and I appreciate your help very much !

Established Contributor
Posts: 1,837
Registered: ‎08-20-2012
0

Re: Citi, Chase credit limit increase

Congrats

Valued Contributor
Posts: 2,505
Registered: ‎11-11-2010
0

Re: Citi, Chase credit limit increase

With Citi, you have to wait 6 months before the last CLI. System will automatically deny you if you don't wait.

 

With Chase, you will be HP when you ask for CLI. Very few managed to slip through this so don't count on it.

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Established Contributor
Posts: 657
Registered: ‎06-27-2012
0

Re: Citi, Chase credit limit increase

+1

 

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Established Contributor
Posts: 912
Registered: ‎06-14-2012
0

Re: Citi, Chase credit limit increase

Congrats on the cli.

I just got my 1st citi card and the Csr i spoke with said each cardmember is only eligible for 1 cli every 6months.

With Chase, you can probably request one whenever you like since 99.999% of the time its a HP.


Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 :smileywink:
Established Contributor
Posts: 912
Registered: ‎06-14-2012
0

Re: Citi, Chase credit limit increase

Oh and thats one heck of a user name you got there lol


Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 :smileywink:
Senior Contributor
Posts: 6,260
Registered: ‎08-16-2012
0

Re: Citi, Chase credit limit increase

Ime, even auto cli will disqualify you from other clis for the usual time frame.

Chase is usually a hp. Lol good luck with that :-P
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