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New Contributor
Posts: 67
Registered: ‎06-05-2009
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Anyone hit their Max limit with Citi

I got my CLI request denied becuase I have hit the max limit on my Citi Cash Returns Card.Did any one experience this before?

Currrent CL is 25k.

 

I do have BOA with CL  20k, PNC 17.5K, Chase 7k.

 

Utilization is high at 40%.Do they go by Utilization or overall profile?

Frequent Contributor
Posts: 455
Registered: ‎06-08-2008
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Re: Anyone hit their Max limit with Citi

I don't know the maximum limit but I see your mix of cards and my mix with large lenders couldn't be more different.

 

Chase 22.5K, Amex, 18K, BOA only 2K and (they wont budge on a CLI tried 10+ times) and Citi, they wont let me in at all.

 

I am not Citi worthy :smileyvery-happy:

 

How could the lenders be so different.

 

I keep trying for BOA CLI just to get my Experian FICO score.  Since my report is frozen, it is now a game.  i ask for more $, they say no, I get my score ever 3 months like clock work.  

 

Member
Posts: 22
Registered: ‎02-27-2013
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Re: Anyone hit their Max limit with Citi


Scuba wrote:

I don't know the maximum limit but I see your mix of cards and my mix with large lenders couldn't be more different.

 

Chase 22.5K, Amex, 18K, BOA only 2K and (they wont budge on a CLI tried 10+ times) and Citi, they wont let me in at all.

 

I am not Citi worthy :smileyvery-happy:

 

How could the lenders be so different.

 

I keep trying for BOA CLI just to get my Experian FICO score.  Since my report is frozen, it is now a game.  i ask for more $, they say no, I get my score ever 3 months like clock work.  

 


Doesn't that result in a HP everytime you get denied?

Frequent Contributor
Posts: 455
Registered: ‎06-08-2008
0

Re: Anyone hit their Max limit with Citi

No, if anything it could be a SP.  I use Transunion as my primary daily CR pull and they don't show SP and once a month I pull EQ and BOA is never a hard or soft.

 

Since I have all 3 CR frozen, it can't be a Hard Pull unless I unfreeze the file. 

 

I know for a fact they don't deny me because the report is frozen only because of past late payments on my report. But you think after 5 years they would let up a little.

 

 

Established Contributor
Posts: 662
Registered: ‎02-20-2013
0

Re: Anyone hit their Max limit with Citi

I hope that 40% util is on 0% apr. otherwise that's gotta be hurting your wallet.


DCU ( pulled 3/29/13) EQ04 683 | Amex (pulled 3/28/13) EX 760 | US Bank (pulled 3/28/13) EX 753
CreditKarma (4/19/13) TU-TR 701 | TU Vantage 788 | USAA FAKO (3/31/13) EX 728, EQ 699, TU 737 |
Inquiries (4/18/13) EX 13 | EQ 13 | TU 14
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