05-26-2013 10:58 AM
This is a brand new account ,not even 1 month old yet, cl only was 1200. I don't know if they like doing balance transfers (I told them I needed more than 1200 to be able to transfer the 3,000. from another card. ) or it was soley what was on my credit report. I did not go through any back door # with Citi . They may have transferred me to someone higher up,but I just started out with the balance transfer offer people. I risked a hard pull and I think it was worth it. I am in shock. I asked for 10,000. just to see what would happen, seriously beleiving I would get a counter offer MAYBE, if not denied. Is this normal for CIti to do this?
So now I don't want to do anything to mess this up, lol. Does anyone know what this bank likes to see from the card holder ,who has this kind of limit? This is a huge amount for me . Just 5 months ago, my highest limit was 3,750. and my other cards were 200-500. Since then my walmart card has gone up from 400-1200. Discover has gone up to 5,750. , Went on an app spree and got amex true earnings 4,500. limit, amex blue cash preffered 1000. (will work on the CLI on that one,later) , closed the first premier I had (wasn't using it,didn't like it) for the last 3 years, and got first avings to permanently remove the "monthly participation fee" ,AND raise my credit line . I plan to close that account next spring before the AF hits. So all I have left with low amounts is toys r us ,and orchard bank. My highest APR's and only 500 limits.
Those are sock drawered and I will buy a candy bar,and pay it off imediately,every other month maybe. But I don't care if they close. All thanks to reading on this forum ! My score has gone up about 3 times in the last 2 months just from getting credit limit increases,being approved for 5K more credit , and making sure my balances stay very low at statement time.
I do plan to use it a whole lot more but not until 6 months from now. Right now I'm just going to pay bills with it to get my $100 cash back for spending 500 in three months,and also for that balance trasfer that will sit for 6 months,while i pay it down with no APR.
05-26-2013 11:24 AM
Congratulations on the huge CLI! If you want to maintain the current limit the only thing you need to do is to make regular purchases on the card.
05-26-2013 11:37 AM
Congratulations on the increase. It's rare that they will entertain an increase before six months.
I didnt' spend much on the cards I have and got an increase with them. The one I hadn't used since the bonus posted. So they seem to just like on time payments and a little usage. The one I use the most has a 12,000 limit now, up from 5,000 in December. I have no complaints about Citi; they grow very quickly.
05-26-2013 12:16 PM
That is amazing. I don't have any Citi account because I've been nervous about their customer service and some arbitrary CLDs and other things I've heard about, but a story like yours might make me change my mind.
05-26-2013 12:34 PM
Citi on other hand is trolling me so hard right now -_-
05-26-2013 12:36 PM
Thanks ! It feels really good,because I can use their balance transfer offer now .
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