Reply
Valued Member
Posts: 47
Registered: ‎12-12-2011
0

Citi highest CL... what?

So after my app spree I got a preapproval a few days after I went 5/5 on my cards. 0% 18 months BT citi diamond preferred. I called in and applied, instant approval for 500$ CL. I asked the credit analyst at the time to raise my limit since 500$ isn't much to do a BT with and she said I had to wait until I recieved the card. I recently started renting a place so I had to go through all the address changes and whatnot, and the card didn't arrive for almost 3 and a half weeks. As soon as I got it I registered my card, called the number on the back and spoke with a very polite CSR who submitted my request but couldn't give me an answer right now, but someone from citi would call me with an answer. After about 20 mins I check my account and voila, 2500$. My highest CL so far and I thought citi were sticklers.

TU: 675 EQ: 669 EX: 670 (All fico) Garden since 07/23/13

Goal: 700+


Community Leader
Valued Contributor
Posts: 5,381
Registered: ‎04-30-2013
0

RE

Congrats! Im surprised they called back that quickly




NFCU Flagship $25,000 I AMEX SPG $23,000 I Chase Sapphire Preferred $17,500 I Discover IT $12,000 I
Valued Member
Posts: 47
Registered: ‎12-12-2011
0

Re: RE

Never received a call. I checked my account and saw I had 2500$ limit :smileyhappy:

TU: 675 EQ: 669 EX: 670 (All fico) Garden since 07/23/13

Goal: 700+


Community Leader
Valued Contributor
Posts: 5,381
Registered: ‎04-30-2013
0

Re: RE


bmis42988 wrote:

Never received a call. I checked my account and saw I had 2500$ limit :smileyhappy:


oops, looks like I misspoke. Either way, it was super quick. Good for you!




NFCU Flagship $25,000 I AMEX SPG $23,000 I Chase Sapphire Preferred $17,500 I Discover IT $12,000 I
Established Contributor
Posts: 620
Registered: ‎05-09-2009
0

Re: RE

I've always had great service from Citi.  Alot on here don't like them, but they have been with me as my first credit card back in 1983/84'. Even back when my credit tanked, years ago, they never slashed my CL, in fact, kept increasing it. Though times have changed, and so has lending, but they've always been wonderful. I guess i should say this, since i used to work for them, lol

Current Score: EQ: 807 TU: 811 EX: 813 (Fico) 8/14
Goal Scores: 760 Across all 3-Finally


Citi TY Premier 46.5k| Discover 15.6k|BOA WMC 30.5k|Barclays Juniper Rewards 15k|Barclays Amex 20k| CapOne 15K|Chase Freedom VS 19.3k|Citi Dividend WMC 25k|FNBO 15.5k|CSP 22.1K|Chase Marriott 31.3k|Citi TYP 20K|Citi DP 16.5k|Macys 5k|Sams MasterCard 15k|Barclay Arrival Plus WEMC 18.7k|Chase IHG WMC 26k|Citi Double Cash 10k|Chase MileagePlus Explorer 14k|Amex Everyday 16.2k
Valued Contributor
Posts: 2,829
Registered: ‎03-14-2012
0

Re: RE

Nice! Congratulations!



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

Take the FICO Fitness Challenge
Super Contributor
Posts: 9,161
Registered: ‎04-22-2013
0

Re: RE


KIPPIE12 wrote:

I've always had great service from Citi.  Alot on here don't like them, but they have been with me as my first credit card back in 1983/84'. Even back when my credit tanked, years ago, they never slashed my CL, in fact, kept increasing it. Though times have changed, and so has lending, but they've always been wonderful. I guess i should say this, since i used to work for them, lol


They do seem pretty good (except when they shut down accounts!) but some of the more complex stuff seems to always cause issues.  I see you have the Premier.  Have flight points worked well for you?   Just got my statement, including:

 

VRN-VRN 0 miles

 

Well, yes, VRN-VRN is probably 0 miles, but needless to say, that wasn't the actual flight, which was VRN-BOS, about 3,500 miles.

Senior Contributor
Posts: 4,311
Registered: ‎02-23-2011
0

Re: RE


longtimelurker wrote:

KIPPIE12 wrote:

I've always had great service from Citi.  Alot on here don't like them, but they have been with me as my first credit card back in 1983/84'. Even back when my credit tanked, years ago, they never slashed my CL, in fact, kept increasing it. Though times have changed, and so has lending, but they've always been wonderful. I guess i should say this, since i used to work for them, lol


They do seem pretty good (except when they shut down accounts!) but some of the more complex stuff seems to always cause issues.  I see you have the Premier.  Have flight points worked well for you?   Just got my statement, including:


LOL...True to form, Citi since it's early days has always been prone to "shot first, ask questions later."  More often than not, their propensity for overreaction has gotten them into legal trouble on more than a few occasions.  Unlike other issuers, Citi certainly doesn't subscribe to the "measured" and "surgical" response approach, but rather prefer a more sweeping approach.

 

My main issue with Citi is the rigidness of their policies, where unlike Chase or Amex, who can and will make exceptions when circumstances warrant it.

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

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.