11-20-2012 07:47 AM
I am worried they would see a hp from Citi and deny my 3xcli.... Valid concern?
In addition, if you wait to app until the CLI actually hits your credit report you might get a higher starting CL from citi.
11-20-2012 07:56 AM
11-20-2012 08:05 AM
Just one data point, my Amex SPG is my highest limit CC. It is at $27K. It mgiht have been $25K when I applied for Citi Forward, can't remember now when they raised it to $27K. Citi initially declined me because of too many inquiries. I called the recon line and explained that all, but two of my inquiries were because of mortgage shopping. I was approved for $7500.
I certainly wasn't expecting them to give me an initial CL matching my Amex, but I was hoping for around $10K. Not really sure how helpful that info is, but it probably can't hurt to have another higher CL on your report when you app (or, depending on how you look at it, it doesn't seem to make a difference).
11-20-2012 08:31 AM
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