Citi CLI Questions

[JaeJae12]

U can't request another CLI after you just gotten one... You need to use that new amount you received for awhile n try again... Maybe 6 months

[chnceit]

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@JaeJae12 wrote:
Chase do SP as well if you used a HP on them recently

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I dont think this is true. They will HP you every time you request a CLI no matter what time of year or how old your account is with them. 

[JaeJae12]

I checked my report and my cli was a SP

[chnceit]

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@texasman07 wrote:

My nerves got the best of me.  I put in for a CLi and got an INSTANT DENIAL.  It says the have my score on file from Equifax.  

Does this mean I have reset the 6 month clock?

It literally took 1 second.

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Wait 6 months for your next CLI. Its not worth a HP for small CLI's

[SpiceIslander]

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@texasman07 wrote:

Hello, I have a few questions regarding a CITI CLI.

My first request was 4.5 months ago for a CLI and I only asked for 100.00$ increase.  It was approved (I should have asked for more).

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You only asked for 100.00? Heck yeah, you should have asked for more! They gave me a 2000.00 CL and I recently asked them to double it and they did.

[SnackTrader]

Spice,

How did you apply and was it a HP?

[navigatethis12]

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@JaeJae12 wrote:
I checked my report and my cli was a SP

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I think you just got lucky. There are multiple people, including me, who have gotten another hard inquiry instead of Chase doing a soft inquiry for an increase. I rang in less than one hour after it was declined to have it reconsidered and another hard inquiry was done on TransUnion.

[SpiceIslander]

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@SnackTrader wrote:
Spice,

How did you apply and was it a HP?

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I called them and they told me HP was "possible" and I told them that was okay. I think it was soft. I haven't seen any evidence of a hard.

[Dubious]

@SnackTrader

Thinking about the few Citi CLI threads going around I decided to try the other night via the online button.

I forgot to take screen shots, but this is what happened:

I put in all the info, I asked them to increase my credit line by 2k. The next page confirmed what I had put. The third page said they could increase by 1k right now and that no credit file was pulled. Then they asked me to take it, or cancel. The fourth page said congrats your new line is... 

There was a button on that last page that said something like "request more." I assume if you go for that they would hard pull. 

[SnackTrader]

Awesome info, Dubious! Thanks so much!

I think I've figured it all out, and I intend to give it a try very shortly. Or maybe just not at all, haven't decided yet...