09-21-2012 01:24 AM
I decided to go for it with the online CLI request for my Citi Diamond Preferred card, which was opened in Feb 2012 and used sparingly (very little use) and has a zero balance (always PIF but again, very little use), and started with a $8300 CL.
After putting in the personal info, here's what the result was:
Your credit line can be immediately increased by $1,000.00 for a total new credit line of $9,300.00.
During the evaluation process, a credit bureau report was not pulled.
Please indicate below whether or not you accept this amount. If you want a lower credit line, call Customer Service at 1-888-766-2484. Outside the U.S., call 605-335-2222.
I declined the $1K CLI, figuring that I may just call and go for a larger increase, at the very least to get a CL of $10K but hopefully higher. I don't mind a HP since Citi pulled EQ when I opened the card and my score has since jumped over 50 pts to over 800 FICO now.
09-21-2012 04:20 AM - edited 09-21-2012 04:21 AM
I would call them for sure. With your score, $10k should be easy.....
Good luck! Let us know the results of the call.
09-21-2012 04:36 AM
I just made the same request and got the exact same message. I went ahead and accepted the $1000 CLI, mainly because I don't feel like dealing with it! This is also a SD'd card for the moment. I've had the card for a year and have never asked for a CLI, so I figured what-the-heck!
09-21-2012 04:55 AM
On the first page of the request form (where you enter your income info), is there a message that submitting the form authorizes them to do a credit check? Just wondering, because mine does. Would take the 1k for a SP, but not looking of a HP at this time.
09-21-2012 09:44 AM
"On the first page of the request form (where you enter your income info), is there a message that submitting the form authorizes them to do a credit check?"
Yep, on the final step before you hit submit there is a little statement that says you authorize Citi to do a credit check if you submit your request. Whether it is a SP or HP seems to be not entirely predictable.
I forgot to mention that I requested a total CL of $15K from the current $8300.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.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.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com 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.