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

Citi Luv Button...

I'm not yet at the 6 month mark since opening my Citi card, but I had a question about the Luv button.  I see people say that you pretty much request a certain CLI and then Citi makes a decision via a soft pull.  My question is, if you ask for too much will they blatantly decline or will they give you a counter offer?  In other words, is it smart to aim high and see what happens?

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
Regular Contributor
ramblin_wreck08
Posts: 181
Registered: ‎08-09-2012
0

Re: Citi Luv Button...

I've done this on two separate cards in the last couple of days. My Forward has been open since 12/09 with a $4k CL. I asked for a $2k increase and was counter offered $1.5k. Asked for $2k again on a card that's been open since 11/11 with a $4.2k CL. Counter offered $750. I accepted both. No report was pulled for either of them, but as with most things YMMV.



What's in my wallet:



Left to right:
NPSL ($10k approved)
$5k (EMV - Chip & PIN)
$7k (Visa Sig + EMV)
$7.5k (WEMC)

Transunion FICO: 709 (8/13/12) -> 740 (9/24/12)
Credit Karma: 772 (11/24/13)
Credit Sesame: 755 (11/5/13)
Frequent Contributor
scientifics
Posts: 411
Registered: ‎05-01-2010
0

Re: Citi Luv Button...

The online button with Citi is definitey a gamble. They sometimes do a hard pull right away, others times, just a soft. If you want to make sure you don't get a HP, talk to a CSR, but make sure they understand what you are asking first.


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}