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Valued Contributor
crunching_numbers
Posts: 1,092
Registered: ‎02-15-2012

Citi CLI question- UPDATE

[ Edited ]

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: 748 TU(12/12), 783 TU98 , 813 TU08 FICO, 744 EQ FICO , 735 EX(9/12), 794 EX08 FICO, 809 EX08 bankcard FICO
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (20.7K), BofA Travel Rewards ($17.5), B&N World MC ($17.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (15K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig ($8.6K), Disc It ($8K), Citi Dia Pref MC ($3.7K),Sam's D ($8.5K), Wally D ($7.5K), JCP($5.3K)
Regular Contributor
cmthomas06
Posts: 174
Registered: ‎06-21-2012

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 :smileyhappy:

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
Established Contributor
andre181
Posts: 622
Registered: ‎07-29-2010

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 $24K | FNBO Visa $20K | Citi Forward $12.5K | US Bank Cash+ Visa Sig $10K | Priceline/Barclays $10K | Amazon/Chase Visa Sig $8.3k | Citi ThankYou Preferred $6.5K | BoA Cash Rewards 1-2-3 Sig $7.5K | Sallie Mae World MC/Barclays $5K | Capital One Cash Rewards $5K | Commerce Bank $5K | WF Cash Back Visa $3.6K | Amazon/GEMB $2.5K | Younkers/Comenity $2.4K | AMEX BCE $2K Target $1K | AMEX Green
EX FICO (from AMEX): 754, TU08 FICO (from Discover): 755, AAoA: 3.6 years
Valued Contributor
crunching_numbers
Posts: 1,092
Registered: ‎02-15-2012

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: 748 TU(12/12), 783 TU98 , 813 TU08 FICO, 744 EQ FICO , 735 EX(9/12), 794 EX08 FICO, 809 EX08 bankcard FICO
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (20.7K), BofA Travel Rewards ($17.5), B&N World MC ($17.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (15K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig ($8.6K), Disc It ($8K), Citi Dia Pref MC ($3.7K),Sam's D ($8.5K), Wally D ($7.5K), JCP($5.3K)
Regular Contributor
remarc
Posts: 170
Registered: ‎03-05-2012

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.
Frequent Contributor
Andy77
Posts: 486
Registered: ‎10-02-2007

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...

Valued Contributor
crunching_numbers
Posts: 1,092
Registered: ‎02-15-2012

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: 748 TU(12/12), 783 TU98 , 813 TU08 FICO, 744 EQ FICO , 735 EX(9/12), 794 EX08 FICO, 809 EX08 bankcard FICO
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (20.7K), BofA Travel Rewards ($17.5), B&N World MC ($17.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (15K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig ($8.6K), Disc It ($8K), Citi Dia Pref MC ($3.7K),Sam's D ($8.5K), Wally D ($7.5K), JCP($5.3K)
Senior Contributor
bichonmom
Posts: 3,300
Registered: ‎05-05-2011

Re: Citi CLI question- UPDATE

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

 

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

Contributor
MagicShot
Posts: 276
Registered: ‎01-15-2009

Re: Citi CLI question- UPDATE


bichonmom wrote:

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

 


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.

Regular Contributor
Whereis750
Posts: 187
Registered: ‎06-17-2011

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.

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