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Citi CLI question- UPDATE

Valued Contributor

Citi CLI question- UPDATE

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)
Message 1 of 16
15 REPLIES
Regular Contributor

Re: Citi CLI question

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 Smiley Happy

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
Message 2 of 16
Established Contributor

Re: Citi CLI question

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.

Discover IT $35K | FNBO Visa $30K | Cash+ Visa Sig $19.5K | Southwest Premier $16K | Priceline $15K | Citi Forward $14.3K | US Bank Plat $14K | Commerce Bank $13K | CSP $13K | CSR $10K | Sallie Mae World MC $10K | Lowe’s Consumer 10K | BoA Cash Rewards 1-2-3 Sig $7.5K | Fidelity Visa $7K | Citi Double Cash $6.5K | WF Cash Back Visa $5.4K | Capital One Cash Rewards $5K | AMEX BCE $3.9K | Freedom $2.5K | Younkers/Comenity $2.4K | Kohl’s 1.5K | Target $1.4K | EX FICO (from AMEX): 768, TU FICO (from Discover): 797, AAoA: 4.4 years
Message 3 of 16
Valued Contributor

Re: Citi CLI question- UPDATE

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)
Message 4 of 16
Regular Contributor

Re: Citi CLI question- UPDATE

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.
Message 5 of 16
Established Contributor

Re: Citi CLI question- UPDATE

 

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...

Message 6 of 16
Valued Contributor

Re: Citi CLI question- UPDATE


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)
Message 7 of 16
Senior Contributor

Re: Citi CLI question- UPDATE

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

 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
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!

Message 8 of 16
Contributor

Re: Citi CLI question- UPDATE


bichonmom wrote:

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

 


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.

Message 9 of 16
Regular Contributor

Re: Citi CLI question- UPDATE

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.
Message 10 of 16