Re: Citi CLI question- UPDATE

crunching_numbers · ‎09-11-2012

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?

Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: FICO 8 = 844(9/15) EQ, 827 TU, 811 EX (7/15); mortgage FICO= 758 (9/15)EQ5, 797 TU4, 748 EX2 (7/15)
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (24.8K), BofA Travel Rew Sig (22.5K), B&N World MC (22.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (20K),United Mil+ExpSig (16.3K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig (8.6K), Disc It (16.4K), Citi Dia Pref MC (3.7K),Sam's MC (10K), Wally (7.5K), JCP(5.3K), Costco (2K)

cmthomas06 · ‎09-11-2012

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

Ex 752 (Amex) Tu 758 (Walmart) Eq 703
Goal: 750+ on all
Current Cards: Cap1 Cash Back; Chase Freedom; Chase Amazon; Citi Thank You; Citi Forward; Discover iT; Amex Zync; GE WalMart; BoA 3-2-1

andre181 · ‎09-11-2012

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.

crunching_numbers · ‎09-11-2012

Called in and they told me NO CLI for me. 7-10 day letter coming. BOO!

Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: FICO 8 = 844(9/15) EQ, 827 TU, 811 EX (7/15); mortgage FICO= 758 (9/15)EQ5, 797 TU4, 748 EX2 (7/15)
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (24.8K), BofA Travel Rew Sig (22.5K), B&N World MC (22.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (20K),United Mil+ExpSig (16.3K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig (8.6K), Disc It (16.4K), Citi Dia Pref MC (3.7K),Sam's MC (10K), Wally (7.5K), JCP(5.3K), Costco (2K)

remarc · ‎09-11-2012

I ran $6000 though mr citi card in six months. Always PIF. I had a cl of $1500. At the sixth month mark I asked for a CLI. It was a HP & denied. No one at citi would help me out & I tried to recon with no success. Let's just say I was not happy.
I put a BT on the card & it's sat in my draw & that's where it will stay.

My score had not dropped. A few more inquiries but due to auto refinance. Couldn't understand it. Was gutted.

Andy77 · ‎09-11-2012

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 · ‎09-11-2012

@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

Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: FICO 8 = 844(9/15) EQ, 827 TU, 811 EX (7/15); mortgage FICO= 758 (9/15)EQ5, 797 TU4, 748 EX2 (7/15)
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (24.8K), BofA Travel Rew Sig (22.5K), B&N World MC (22.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (20K),United Mil+ExpSig (16.3K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig (8.6K), Disc It (16.4K), Citi Dia Pref MC (3.7K),Sam's MC (10K), Wally (7.5K), JCP(5.3K), Costco (2K)

bichonmom · ‎09-11-2012

Discover isn't known for great CLIs. Hope you have better luck with Citi!

EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

MagicShot · ‎09-12-2012

@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.

Whereis750 · ‎09-12-2012

How often can you request a CLI from CITI? I requested one online about 4 months ago. The system countered with a slightly lower increase and I took it.

Citi CLI question- UPDATE

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Citi CLI question- UPDATE