Reply
Frequent Contributor
Posts: 352
Registered: ‎04-15-2013
0

Re: Citi CLI Questions

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

BCE- 30000 -BOA 123 14400 -Freedom- 28789- Citi Forward- 19900 -Citi DC- 23800-CSP 22.5k
Garden mode 3/25/14



Valued Contributor
Posts: 1,524
Registered: ‎08-17-2008
0

Re: Citi CLI Questions


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

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. 


$100K in Credit
Last Credit Card App: 11/16/13
Frequent Contributor
Posts: 352
Registered: ‎04-15-2013
0

Re: Citi CLI Questions

I checked my report and my cli was a SP

BCE- 30000 -BOA 123 14400 -Freedom- 28789- Citi Forward- 19900 -Citi DC- 23800-CSP 22.5k
Garden mode 3/25/14



Valued Contributor
Posts: 1,524
Registered: ‎08-17-2008
0

Re: Citi CLI Questions


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.

 

 

 


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


$100K in Credit
Last Credit Card App: 11/16/13
Regular Contributor
Posts: 351
Registered: ‎02-01-2010
0

Re: Citi CLI Questions


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).

 

 


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.

Meg.

FICO: 04/2014 - TU 765 | EQ ??? | EX 768

Barclays / Sallie Mae World MC 13,000 | FNBO 11,600 | Lowes 10,000 | LOC 9,300 | Amex BCP 7,200 | BOA Platinum+ 6,000 | Amex SPG 5,700 | Achieva CU 5,500 | Citi Simplicity 5,200 | Chase CSP 5,000 | Discover 4,000 | Sam's Club 3,000 | Sears 900
Valued Contributor
Posts: 1,575
Registered: ‎09-15-2012
0

Re: Citi CLI Questions

Spice,

How did you apply and was it a HP?

In My Wallet: Amex BCP (12/12) $22.200, Cap1 Quicksilver (6/12) $14,000, Chase CSP (4/14) $12,000, Barclaycard Rewards (5/13) $10,500, Citi Forward (12/12) $9,600, Chase Freedom (12/12) $5,000

Last App: April 2, 2014
Valued Contributor
Posts: 1,954
Registered: ‎01-24-2012
0

Re: Citi CLI Questions


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

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.

Regular Contributor
Posts: 351
Registered: ‎02-01-2010
0

Re: Citi CLI Questions


SnackTrader wrote:
Spice,

How did you apply and was it a HP?

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.

Meg.

FICO: 04/2014 - TU 765 | EQ ??? | EX 768

Barclays / Sallie Mae World MC 13,000 | FNBO 11,600 | Lowes 10,000 | LOC 9,300 | Amex BCP 7,200 | BOA Platinum+ 6,000 | Amex SPG 5,700 | Achieva CU 5,500 | Citi Simplicity 5,200 | Chase CSP 5,000 | Discover 4,000 | Sam's Club 3,000 | Sears 900
Frequent Contributor
Posts: 271
Registered: ‎02-10-2013
0

Re: Citi CLI Questions

[ Edited ]

@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. 

Valued Contributor
Posts: 1,575
Registered: ‎09-15-2012
0

Re: Citi CLI Questions

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...

In My Wallet: Amex BCP (12/12) $22.200, Cap1 Quicksilver (6/12) $14,000, Chase CSP (4/14) $12,000, Barclaycard Rewards (5/13) $10,500, Citi Forward (12/12) $9,600, Chase Freedom (12/12) $5,000

Last App: April 2, 2014

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.