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Should I wait for my 6th statement to cut on my DC to ask for a CLI? Or does it go by open date? I have the soft pull wording. My open date was over 6 months ago. My statement cuts 9/15. I would love to try for a CLI before my Venture reports on 9/13. Just did a balance transfer from Chase to Cap 1 and my score is up a bit. Will lose that when Cap 1 reports.
In my experience, it won't hurt to try.
I took an HP for a CLI ~1 month after opening. Just a few months later I had the SP language and went ahead and attempted it, but denied because it hadn't been 6 months. Didn't reset a timer or anything, though--got a SP CLI 6 months after the HP.
Based on that, you should be ok.
it has been lil over 6 months since I got my DC card and I tried to do it today but was denied haha. It says I have the max limit and they will have to do a HP and review my profile to consider me for me. My current limit is 24K, was wondering if anyone else got that message.
That is a monstrous limit for the DC. I would not expect any more CL on it. Most of us with 730-750 are hovering at the 4000-7000 SL area, for reference.
@SMikulski49 wrote:it has been lil over 6 months since I got my DC card and I tried to do it today but was denied haha. It says I have the max limit and they will have to do a HP and review my profile to consider me for me. My current limit is 24K, was wondering if anyone else got that message.
@Anonymous wrote:That is a monstrous limit for the DC. I would not expect any more CL on it. Most of us with 730-750 are hovering at the 4000-7000 SL area, for reference.
@SMikulski49 wrote:it has been lil over 6 months since I got my DC card and I tried to do it today but was denied haha. It says I have the max limit and they will have to do a HP and review my profile to consider me for me. My current limit is 24K, was wondering if anyone else got that message.
That is a huge DC limit! I thought I was doing good with a $7000 SL. And yes my credit score is usually in the 740's. I'm going to try for a CLI tomorrow. I looked on Credit Karmea and my open date was 3/10.
@Anonymous wrote:
Which bureau for Citi CLIs? EX?
I was double pulled eq/ex for application and when I took HP for additional increase it was EQ only. I'm in Indiana.
Does being denied for a citi HP cli reset the 6 month timer?