Credit Cards

[EaglesFan2006]

I've read a lot on here about a "love" button from Citi.  I'm trying to figure out what this is.  Whenever I click on the CLI request under Tools it gives me a form where I request an amount and it asks for my income and rent payment.  Is the love button something different?  I actually called CS when I first got the card and asked them about CLI.  They told me that I can basically call in and ask any time.  It would either be instantly approved, or they would say they need to pull credit information but that I would have to consent to that before they did it.  Does anyone have any experience with this?

Also, my Citi card is only 3 months old so I was planning to wait until at least the 6 month mark, but I was wondering if that actually made much of a difference?  If I request something and they say no, or they say they need a manual review, that's it no harm for me because I would say to hold off and not pull my report.  That's how they explained it to me.  I'm just curious how much of a difference the 6 month window actually makes.

[jamie123]

You can call at any time really, all they can say is no. Most people have better luck with CLI when they try every 6 months. It really is a "Your Mileage May Vary" type of situation.

[CK_Charles_Lover]

Yes that's the LUV button, which may result in a HARD pull, so I suggest calling in and making sure unless you don't care. Also as far as I know Citi requires you to have card for 6 months before requesting CLI (for the most part nowadays). 

[EaglesFan2006]

Thanks for the info.  I will definitely wait for the 6 month mark.  One more question though.  Since it asks you to request a certain amount for the increase, will they outright deny if they think its too high or will they give you a counter-offer?

[CruzImperial]

bump*