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Super Contributor
enharu
Posts: 7,132
Registered: ‎02-27-2013
0

Re: Citi unable to tell me if CLI is HP or SP...

I just tried calling Citi for a CLI request.

CSR was unable to tell me whether it was a SP / HP as well. Eventually got transfered to a credit department, and realized they supposedly had tried to do a hard inquiry, but weren't able to do so because all my bureaus except TU were frozen. The credit analyst was okay with me unblocking either EQ or EX, which I guess is nice. I ended up cancelling the request though since I figured I might as well get a new card if it's going to cost me an inquiry.

 

My Citi account is 5 months old, so I guess maybe they're okay with giving a CLI before the 6 month mark? Or another possible scenario is that they would have pulled a report and then tell me I am not eligible.

 

My question is though...........how can one tell if the request is going to be SP / HP before it is actually directed to the credit department?

 

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
0

Re: Citi unable to tell me if CLI is HP or SP...

You can't enharu, and if you get denied and recon, it will be another hp. Citi is just horrible with logistics.
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Established Contributor
missjae
Posts: 522
Registered: ‎07-18-2013
0

Re: Citi unable to tell me if CLI is HP or SP...

Citi has always HP for a CLI online for me. My credit isn't the best, but it isn't worth it IMO.

I even went through the EO for a CLI. The lady asked for an authorization to pull my credit and it was indeed an HP on TU.
Valued Contributor
SnackTrader
Posts: 1,566
Registered: ‎09-15-2012
0

Re: Citi unable to tell me if CLI is HP or SP...

Guess I should have followed through within this thread. Citi ended up giving me $1,500 CLI with SP through online request. I had my card for about 7 months though, so there may be a possibility that the 2 months made a difference. There was no way of seeing if it was HP or S P before hitting the submit button.

http://ficoforums.myfico.com/t5/Credit-Cards/Finally-got-the-CLIs-I-was-waiting-for/m-p/2394473#M677...

In My Wallet: Amex BCP (12/12) $22.200, Cap1 Quicksilver (6/12) $14,000, Chase CSP (4/14) $12,000, Barclaycard Rewards (5/13) $10,500, Citi Forward (12/12) $9,600, Chase Freedom (12/12) $5,000

Last App: April 2, 2014
Super Contributor
longtimelurker
Posts: 7,725
Registered: ‎04-22-2013
0

Re: Citi unable to tell me if CLI is HP or SP...


enharu wrote:

I just tried calling Citi for a CLI request.

CSR was unable to tell me whether it was a SP / HP as well. Eventually got transfered to a credit department, and realized they supposedly had tried to do a hard inquiry, but weren't able to do so because all my bureaus except TU were frozen. The credit analyst was okay with me unblocking either EQ or EX, which I guess is nice. I ended up cancelling the request though since I figured I might as well get a new card if it's going to cost me an inquiry.

 

My Citi account is 5 months old, so I guess maybe they're okay with giving a CLI before the 6 month mark? Or another possible scenario is that they would have pulled a report and then tell me I am not eligible.

 

My question is though...........how can one tell if the request is going to be SP / HP before it is actually directed to the credit department?

 


As earlier in the thread, I did request unsuccessfully after about 5 months (looking at the dates about 4.5 months)   They did a HP and rejected for reasons other than ineligible, so I think the stated rule about 6 months might not be so closely enforced.  (Had I got the CLI, that argument would be stronger)

Valued Contributor
dodgerslv
Posts: 1,838
Registered: ‎06-16-2012
0

Re: Citi unable to tell me if CLI is HP or SP...

Just to chime in on Citi CLI request. I requested a CLI on my Simplicity card being only 3 months old and recently getting approved for their TYP a week earlier.I was at 2k and requested 3k for a total of 5K and got the message that they will let me know in 30 minutes. Took about 10 minutes and received an email that my request was approved. HP on EQ of course but needed more to do a BT. So Citi does can approve one before the 6 month mark but it will definitely result in a HP.


Cards: (Citi- 82.7k) (Chase- 65k)) (US Bank- 18k) (Amex- 22.5k) (Barclays-40k) (BofA- 68k) (Cap1- 49.5K) (WF- 11k) (Penfed- 22.5k) (Discover- 8k) (Sync/GE- 15.7k) (NASA- 30k) (Diners- 15k)
Fico 08 scores (8/27/14) EX: 772 TU: 767 EQ: 778 (Utilization at 8% right now).





Community Leader
Super Contributor
ArmyVietVet
Posts: 5,495
Registered: ‎10-03-2008
0

Re: Citi unable to tell me if CLI is HP or SP...

[ Edited ]

My experiences with SP or HP with Citi, Chase, US Bank, Discover and FNB Omaha have all been the same. No one could guarantee me an SP or and HP. I found by telephoning Citi and Discover and letting them know I was NOT authorizing an HP worked with the understanding that if the system could NOT approve a CLI then I would not pursue one. In reading on this site, Chase likes HP's and I have never had an automatic CLI with them. Citi, FNB Omaha and Discover have all given me auto CLI's.



Starting Score: 760
Current Score: 810
Goal Score: 850


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