Citi Recon Worked, well sort off

[ibmrad7]

So I applied for Citi Diamond Preferred around November 10th, application stayed pending for 5 days before I got a call from their Analyst asking for my Annual Income. I mentioned the same income I put on the application. Before I could say anything further, she said I can't approve you at this time, please try again in future.

Citi pulled EX (692) and EQ (657) for me, EX had 3 inqs and EQ had 0.

Somewhere on forums I came across Citi's Executive Review Department's mailing address, after much debate I wrote a letter to them explaining my situation, attached recent paystubs and specifically mentioned that I don't want another pull for this recon...

To my surprise after almost 40 days, I just got an emailing from Citi today stating my application has been approved Yay!!!!! The crappy part is the CL, only 500$. I didnt even get that limit when I was a student Lol.

How's Citi with CLIs? Is it always a HP? Do they like to see lot of usage?

[Anonymous]

---

@ibmrad7 wrote:

So I applied for Citi Diamond Preferred around November 10th, application stayed pending for 5 days before I got a call from their Analyst asking for my Annual Income. I mentioned the same income I put on the application. Before I could say anything further, she said I can't approve you at this time, please try again in future.

Citi pulled EX (692) and EQ (657) for me, EX had 3 inqs and EQ had 0.

Somewhere on forums I came across Citi's Executive Review Department's mailing address, after much debate I wrote a letter to them explaining my situation, attached recent paystubs and specifically mentioned that I don't want another pull for this recon...

To my surprise after almost 40 days, I just got an emailing from Citi today stating my application has been approved Yay!!!!! The crappy part is the CL, only 500$. I didnt even get that limit when I was a student Lol.

How's Citi with CLIs? Is it always a HP? Do they like to see lot of usage?

---

FWIW, i started with a 500 dollar cl (instant approval) on my diamond preferred. i did the cli online and was denied within half an hour. to this day i dont know if a second hard pull was done. 

i called the EO and asked for a reconsideration and manual review. placed on hold for maybe two minutes and was instantly approved for a CLI up to 3k. no income questions, no fuss, no muss.

[TeamPunishment]

I would call the EO and ask for a recon on the CL.

[ibmrad7]

Hi Shock_,

                Your experience is helpful. Did you wait until you get the card or called right away for CL recon?

[FinStar]

Well, at least you're in...better late than never!  Granted not the CL you expected but a foot in the door.  Citi tends to HP most of the time for CLI requests unless you have a pre-qualified CLI (via SP) or you receive an auto-CLI based on the account's history including any SP/AR information and whatnot.

[ibmrad7]

Hi Finstar,

                  Now I am confused, if it's going to be a HP I would just use the card well for 3-4 months and then ask for a SP CLI.?

                  Btw you are right, at least I stepped in the door and didnt waste 2 HPs

[MsLadyRover]

Congratulations!

[ibmrad7]

Thanks LadyRover :-)

[Blackrv7]

My experience with Citi has been to ask for a CLI every six months and it's always been a sp and never been declined.  I always do it over the phone and not the luv button.

[FinStar]

---

@ibmrad7 wrote:

Hi Finstar,

                  Now I am confused, if it's going to be a HP I would just use the card well for 3-4 months and then ask for a SP CLI.?

                  Btw you are right, at least I stepped in the door and didnt waste 2 HPs

---

With Citi, you can request a CLI at any point, but the younger the account is (< 6 months) then there's a good chance it will be HP.  You can definitely contact them around the 4-month mark, but as they review the CLI request if there's any mention of HP, then just wait until after 6 months.  You can keep trying until one becomes available if you're trying to minimize the # of HPs on your file.