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What is the best way to ask Citi for a CLI to get only a SP?
phone? online?
Will they counter offer or do you need to be conservative in what you ask for?
I did mine online and it was a SP. They will counter if its too high and if you dont accept then it becomes a HP. I always request what I think makes sense, but request what you want. If they cant do it then accept the counter
Over the phone, they'll be able to tell you if its a SP or HP.
Online, you won't know until its too late IIRC.
Called in and they told me NO CLI for me. 7-10 day letter coming. BOO!
Sometimes there is no logic...had a citi secured card opened in sept 2009 with a CL of 200.00
charged 14k on it over 18 months, when it unsecured I did not get an increse and it has been a year and a half since unsecured and PIF and never late and never a single charge over 200 and still no increase...I will just keep the card open, use it PIF and wait...
@crunching_numbers wrote:Called in and they told me NO CLI for me. 7-10 day letter coming. BOO!
No, I lied. I callled DISCOVER and they said no. I'm not going to call Citi until after I hit 6 months, which will be on the 21st. I can be a ditz sometimes. LOL
Discover isn't known for great CLIs. Hope you have better luck with Citi!
@bichonmom wrote:Discover isn't known for great CLIs. Hope you have better luck with Citi!
I got a CLI with discover from 2500 to 9100. But I use it heavily! went from not using a lot to using it a lot for months and they bumped it automaically 3 months after I got a 1500 cli requested because I was maxing it out and PIF.