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Frequent Contributor
JaeJae12
Posts: 315
Registered: ‎04-15-2013

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- 18000 -BOA 123 7000 -Freedom- 7400-Citi Forward- 17700 -Citi TYP- 17800-CSP 22.5k
Garden mode 3/25/14



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

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
JaeJae12
Posts: 315
Registered: ‎04-15-2013

Re: Citi CLI Questions

I checked my report and my cli was a SP

BCE- 18000 -BOA 123 7000 -Freedom- 7400-Citi Forward- 17700 -Citi TYP- 17800-CSP 22.5k
Garden mode 3/25/14



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

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
Contributor
SpiceIslander
Posts: 326
Registered: ‎02-01-2010

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

Amex BCP 12900 | Lowes 10,000 | LOC 9300 | Sallie Mae/Barclays World MC 9000 | FNBO 8900 | BOA Platinum+ 6000 | Citi Simplicity 5200 | Chase CSP 5000 | Achieva CU 4000 | Discover 4000 | Sam's Club 3000 | Sears 900
Valued Contributor
SnackTrader
Posts: 1,563
Registered: ‎09-15-2012

Re: Citi CLI Questions

Spice,

How did you apply and was it a HP?

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

Last App: April 2, 2014
Valued Contributor
navigatethis12
Posts: 1,881
Registered: ‎01-24-2012

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.

Contributor
SpiceIslander
Posts: 326
Registered: ‎02-01-2010

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

Amex BCP 12900 | Lowes 10,000 | LOC 9300 | Sallie Mae/Barclays World MC 9000 | FNBO 8900 | BOA Platinum+ 6000 | Citi Simplicity 5200 | Chase CSP 5000 | Achieva CU 4000 | Discover 4000 | Sam's Club 3000 | Sears 900
Frequent Contributor
Dubious
Posts: 271
Registered: ‎02-10-2013

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
SnackTrader
Posts: 1,563
Registered: ‎09-15-2012

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, Chase CSP (4/14) $12,000, Barclaycard Arrival (5/13) $10,500, Citi Forward (12/12) $9,600, Cap1 Cash Rewards (6/12) $9,000, Chase Freedom (12/12) $5,000

Last App: April 2, 2014

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