CITI Simplicity CLI - This Makes 2 for 2 Today

[Brandnick]

Today must be my day

I have a CITI Simplicity with $9000 CL opened March 2013( yes 5 months old)

Since I got an increase an the AMEX BLUE from $4400 to $13200 today I said what the hell let me try a CLI on CITI Simplicity even though only have had this card for 5 months

Prior to requesting CLI - Online

Account Age = 5 months

CITI Simplicity CL = $9000

Balance = $2200

Util = 24%

After requesting CLI - Online

Account Age = 5 months

CITI Simplicity CL = $18000

Balance = $2200

Util = 12%

I am blown away that they would give an increase and I haven't passed the 6 months mark WOW. Now the question the $18,000 was it a HP or SP

[myjourney]

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@Brandnick wrote:

Today must be my day

I have a CITI Simplicity with $9000 CL opened March 2013( yes 5 months old)

Since I got an increase an the AMEX BLUE from $4400 to $13200 today I said what the hell let me try a CLI on CITI Simplicity even though only have had this card for 5 months

Prior to requesting CLI - Online

Account Age = 5 months

CITI Simplicity CL = $9000

Balance = $2200

Util = 24%

After requesting CLI - Online

Account Age = 5 months

CITI Simplicity CL = $18000

Balance = $2200

Util = 12%

I am blown away that they would give an increase and I haven't passed the 6 months mark WOW. Now the question the $18,000 was it a HP or SP

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Congrats again

[Gibran]

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@Brandnick wrote:

Today must be my day

I have a CITI Simplicity with $9000 CL opened March 2013( yes 5 months old)

Since I got an increase an the AMEX BLUE from $4400 to $13200 today I said what the hell let me try a CLI on CITI Simplicity even though only have had this card for 5 months

Prior to requesting CLI - Online

Account Age = 5 months

CITI Simplicity CL = $9000

Balance = $2200

Util = 24%

After requesting CLI - Online

Account Age = 5 months

CITI Simplicity CL = $18000

Balance = $2200

Util = 12%

I am blown away that they would give an increase and I haven't passed the 6 months mark WOW. Now the question the $18,000 was it a HP or SP

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Congrats!!!

[lhcole77]

Wow! Congratulations.

Care to share what your spending and payments were like with Citi? I have the same card and am hoping to CLI on it as well.

[09Lexie]

That's a nice CLI!

[Brandnick]

Sure,

Got the card in march of this year .

Month 1 ( spent $400) paid $200 balance $200

Month 2 ( spent $300) paid $150 balance $350

Month 3 ( spent $800) paid $200 balance $950

Month 4 (spent $1200) paid $300 balance $ 1850

Month 5 (spent $600) paid $200 balance $2250

Just made a payment today of $400 balance $1850

Hope that helps

[lhcole77]

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@Brandnick wrote:

Sure,

Got the card in march of this year .

Month 1 ( spent $400) paid $200 balance $200

Month 2 ( spent $300) paid $150 balance $350

Month 3 ( spent $800) paid $200 balance $950

Month 4 (spent $1200) paid $300 balance $ 1850

Month 5 (spent $600) paid $200 balance $2250

Just made a payment today of $400 balance $1850

Hope that helps

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Thanks! That's awesome. I'm taking advantage of the 0% APR right now. Min payments are $31 but I'm paying $150-200/mo instead.

Based on your experience I think I made a good decision with my payments.

[Brandnick]

Correct

Since i have 0% interest rate  I carry a balance. however on my cards that I don't have a 0% I PIF . 

Taking advantage of the 0%