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Established Contributor
EaglesFan2006
Posts: 550
Registered: ‎01-31-2008
0

Citi Love button? Questions about CLI

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.

Chase Freedom: $1500, Citi Diamond Preferred: $3000, Barclays: $3900, Chase Disney Visa: $1500, Chase Southwest Signature: $5000, Citi TY Preferred: $3000, Cap One Platinum: $1750, Cap One Platinum Rewards: $2500, Orchard Bank: $900, Kay Store Card: $4500
Established Contributor
jamie123
Posts: 923
Registered: ‎03-22-2012
0

Re: Citi Love button? Questions about CLI

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.



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Regular Contributor
CK_Charles_Lover
Posts: 248
Registered: ‎09-02-2011
0

Re: Citi Love button? Questions about CLI

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). 

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Established Contributor
EaglesFan2006
Posts: 550
Registered: ‎01-31-2008
0

Re: Citi Love button? Questions about CLI

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?

Chase Freedom: $1500, Citi Diamond Preferred: $3000, Barclays: $3900, Chase Disney Visa: $1500, Chase Southwest Signature: $5000, Citi TY Preferred: $3000, Cap One Platinum: $1750, Cap One Platinum Rewards: $2500, Orchard Bank: $900, Kay Store Card: $4500
Established Contributor
CruzImperial
Posts: 869
Registered: ‎07-04-2012
0

Re: Citi Love button? Questions about CLI

bump*

 

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