Interesting news from citi today. I applied for a CLI on my citicard (this was a secured card I opened in 2009, 2 months after my ch 7 bk was discharged, it was secured for 18 months then unsecured) the credit limit is 200.00 and has been since I opened it. I have never been late or over the CL.
Every CLI request I submitted since the card was opened in 2009 said it got declined for a public record filed or serious delinquincy.
Well, I was thrilled to see, today when I tried for the CLI, the only reasons for the denial were:
- balances too high compared to credit limits
- balance too high on citi card compared to credit limit.
There was NO mention of the bk or public record as a reason for the denial.
So, for all of you with a citi card that is a little over 4 yrs post bk discharge and have been declined a CLI in the past, you have hope!!
