Citi Simplicity limit increase/combination? Ideas?

tdj · ‎08-23-2015

I have a balance of $3k that I am wanting to transfer. App'd for Citi Simplicity and was approved.... but with a $900 limit. Ack.

I called an approvals line that I found later that day (I don't remember which one, frankly) but the (very, very nice) CSR stated that unfortunately since it was an approval and not a denial she wasn't able to change the terms of the approval. She stated approvals were "locked" to changes until the card was in my hands and activated. She suggested calling again when I received the card to see if I could get the CL increased at that time. I currently have a Diamond Preferred with a $5k line that currently has no balance, and I asked her if perhaps I would instead be able to reallocate that line to the Simplicity when I received the card, as the DP isn't really doing anything for me right now and I wouldn't have a problem closing it to get this taken care of. She stated that it was definitely possible and it is something that they do. I also have a TYP with a balance of $2.5k and line of $4.4k (0%, but it is expiring very soon so I obviously don't want to use that one)

Any ideas of what the best line to call when I try to do this is? Any other suggestions or similar experiences you can share? Any help would be very much appreciated. Thank you MyFicoers! (I typed MFers at first, then I realized that looks funny....)

711 TU / 693 EX / 675 EQ // $10,000 Cap1 Venture, $5,200 Barclaycard Rewards, $5,000 Citi Diamond Preferred, $4,900 Amex Costco, $4,500 BBVA NBA, $4,400 Citi TYP, $4,000 Amazon Store, $3,000 Cap1 QS, $3,000 Commerce Bank, $3,000 US Bank Platinum, $3,000 NTB, $2,600 Walmart Store, $2,150 VS Angel, $2,000 Chase Amazon, $1,500 Discover IT, $1,100 Toys R Us, $1,000 Amex Delta SM, $1,000 Cap1 QS1, $700 Target, $700 Brylane Home, $650 Upromise Sallie Mae, $650 J. Jill, $250 American Eagle

Skye12329 · ‎08-23-2015

With Citi you need to have the card first for any increase on the line. They don't really recon, you can only request a CLI once you have the card. And that's another HP.

You can move lines around with them but that's also a HP. I think its because they see if your eligible for an increase first.

BK7 - 2/21
Cap1 QS - 2k (4/21)
Mission Lane - 4k (11/21)
Venmo - 900 (11/21)
SavorOne - 2500 (12/21)
VentureOne - 2000 (7/22)

tdj · ‎08-23-2015

I don't mind the HP, I guess, because I have a couple from this month already and then I'm headed to the garden for a very long time anyway. Don't really need anything new anymore (crazy thought, but true...)

711 TU / 693 EX / 675 EQ // $10,000 Cap1 Venture, $5,200 Barclaycard Rewards, $5,000 Citi Diamond Preferred, $4,900 Amex Costco, $4,500 BBVA NBA, $4,400 Citi TYP, $4,000 Amazon Store, $3,000 Cap1 QS, $3,000 Commerce Bank, $3,000 US Bank Platinum, $3,000 NTB, $2,600 Walmart Store, $2,150 VS Angel, $2,000 Chase Amazon, $1,500 Discover IT, $1,100 Toys R Us, $1,000 Amex Delta SM, $1,000 Cap1 QS1, $700 Target, $700 Brylane Home, $650 Upromise Sallie Mae, $650 J. Jill, $250 American Eagle

tdj · ‎08-23-2015

Does anyone have any ideas about what phone number I should call when I go asking for this? Or any other thoughts? Thanks guys.

711 TU / 693 EX / 675 EQ // $10,000 Cap1 Venture, $5,200 Barclaycard Rewards, $5,000 Citi Diamond Preferred, $4,900 Amex Costco, $4,500 BBVA NBA, $4,400 Citi TYP, $4,000 Amazon Store, $3,000 Cap1 QS, $3,000 Commerce Bank, $3,000 US Bank Platinum, $3,000 NTB, $2,600 Walmart Store, $2,150 VS Angel, $2,000 Chase Amazon, $1,500 Discover IT, $1,100 Toys R Us, $1,000 Amex Delta SM, $1,000 Cap1 QS1, $700 Target, $700 Brylane Home, $650 Upromise Sallie Mae, $650 J. Jill, $250 American Eagle

sillykitty1 · ‎08-23-2015

I applied and was approved for the Simplicity two weeks ago. I didn't get the CL I was looking for, so I immediately called the EO number on the sticky. The rep was super friendly and helpful, and submitted a request for a CLI. It took 2 days and I did get another HP, but it was worth it!