CITI CLI's

[370Z]

The SP CLI from Citi is not guaranteed. It seems less than half get it from what I've seen. I've never had one on my 20 month old card. Also, most who do get it seem to get CLIs of 1000-1500. Not sure what your Citi limit is currently.

[Shock_]

Current limit is 3k.

high balance is probably 430 or so. The idea is to get them to match your highest limit or close to it because they want to be your #1

[B335is]

Citi has never given me my highest initial credit limit and 6 months CLI are small regardless of what limits or balances are on my credit reports.  Last CLI was on a HHonors card $6500 -> $7700.  I'll definitely take it, but it pales to Amex 3x 

[Shock_]

Understandable. I just want it to be 5k so I can have visa siggy/world Mc options  

Plus I'm going to shoot for the moon so as they don't "insult" me with their counter offer. Who knows what will happen  

---

@B335is wrote:

Citi has never given me my highest initial credit limit and 6 months CLI are small regardless of what limits or balances are on my credit reports.  Last CLI was on a HHonors card $6500 -> $7700.  I'll definitely take it, but it pales to Amex 3x 

---

[B335is]

With SP increase you just enter your income info and you get whatever they give.  For HP increase, you enter income and requested amount.

[CreditMagic7]

FWIW, every lender pales in comparison to the policy Amex dishes out for CLI's and i might add with less the waiting period for them.

[Shock_]

Aside from the generous 61st day, AMEX seems fairly standard (every 6 months) albeit a tad more generous when they do come around. And soft pulls to boot!

[Swapmeet]

---

@Shock_ wrote:
Aside from the generous 61st day, AMEX seems fairly standard (every 6 months) albeit a tad more generous when they do come around. And soft pulls to boot!

---

It's a beautiful thing....