After 8 months finally got approved for cli of 4k. I now have 5 k limit. It took a hard inquiry, was not automatically approved. CR told me it will take 30 minutes to review my credit then they will call me back. After 30 minutes I got a machine letting me know I was approved..awesome.
FlipDC Starting Score: 638 fico eq 7/11 Current Score: 648 fico eq 8/12, 686 fico tu 8/12. 1/13 TU 661 2013 Score: EX 654, EQ 610, TU 625 Goal Score: 740 1/14 In my Wallet: Discover more 4k,Citi plat 5k,Citi simplicity 3k,Citi diamond 1k,Cap1 cash 750/2500,Cap1 plat 750/2500,Kanes Furn, Walmart 900/2200, Macys 600.
Just tried for a CLI through the online LUV button last week, waited the six months, $0 balance, but was turned down. Current CL is $5,400, member for a little over a year. Came across an offer for the Thank You Premier so I apped for that and got $8,000 instant approval. All in all, Citi is still cool in my book.
myFICO Starting Scores: TU 643 03.10.09 EX 676 01.09.09 EQ 638 05.24.09 Current Score: (WalMart FICO) TU 792 04.03.13 (Mortgage Lender - HP) EX 745 02.06.13 (Mortgage Lender - HP) EQ 771 02.06.13 Goal Score: 800+
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.