New Contributor
Posts: 72
Registered: ‎10-31-2011

Citi Platinum CLI Denied...any suggestions

I was denied a CLI for the following reason: “balances, as shown on your credit bureau report, are too high when compared to your income.”


About a week before requesting this CLI, I paid my credit card balances down to $6k. My income is $32k and my credit limits total $28k. Once I was denied I realized that the payments that I made toward my cc balances were not reflecting on my cr yet (duh). So I called customer service, spoke with a supervisor and she said the only thing that she could do is submit another request for an increase but she couldn't say if it would be a hp or a sp.


I've already drafted a recon letter but I'm wondering if I should just let it go. I feel like if I do a recon for the reason that I mentioned above that they will just pull my recent cr to see that the balances on my accounts have been reduced and IF they do that, then I might as well wait until my cr is updated and apply for another increase myself.


My Citi Platinum card has a $0 balance and I was requesting an increase from $1,200 to $3,500. I also have another Citi cc that has a $0 balance and a $3,200 cl.


Any suggestions? :smileysad:

Valued Contributor
Posts: 1,524
Registered: ‎08-17-2008

Re: Citi Platinum CLI Denied...any suggestions

Wait till your reports update then request a CLI again. 

$100K in Credit
Last Credit Card App: 11/16/13
Regular Contributor
Posts: 220
Registered: ‎08-10-2012

Re: Citi Platinum CLI Denied...any suggestions

Keep in mind that Citi Customer iniatited CLI's are al;ways a hard pull so think twice before you ask again after the pay downs hit your report. Asking for triple with your income is a gamble as well

Citi Thank You Premier Visa Signature-$9K, Citi Thank You Preferred Vis Signature-$8.3K, Citi AA Signature- 8.5K, Citi Simplicity 9.2K, Citi Diamond-6.1K, Lowes-$10K, Chase Sapphire Preferred- $ 5K, AMEX BCE $14.5K, AMEX Starwood Preferred $15K, ,AMEX Everyday-$5K, Fidelity Amex-$10K, US Bank 123 rewards Kroger-$17K, Penfed Platinum Rewards Visa Signature-$30K, Amex Delta-$10K, Barclay Arrival Plus- $10K, Penfed Travel Rewards Amex-$10K, Bank of America Cash Rewards- $14K
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.