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Citibank CLI HP

Established Contributor

Citibank CLI HP

Received a CLI yesterday for $3500 taking me from 5K to 8.5K. Looks like it cost me a HP on TU. Oh well, should have gone for more. Didn't think it would cost me an HP since I was denied an increase back in January and June. Both times the denial letters sited EQ and were only SPs.


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Message 1 of 8
7 REPLIES
Mega Contributor

Re: Citibank CLI HP


rtw wrote:

Received a CLI yesterday for $3500 taking me from 5K to 8.5K. Looks like it cost me a HP on TU. Oh well, should have gone for more. Didn't think it would cost me an HP since I was denied an increase back in January and June. Both times the denial letters sited EQ and were only SPs.


I think a HP for 3.5K is well worth it!! CONGRATS!!

 




EQ FICO 548 3/3/16
Message 2 of 8
Established Contributor

Re: Citibank CLI HP

From what ive read/heard i thought CITI is very well known for SP CLI's. I wonder why they did a HP? Maybe bc it was too soon since your last requested credit limit increase, so they they decided to do a HP so they could get u the increase u wanted. Im just guessing, heck who really knows?


Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 Smiley Wink
Message 3 of 8
Established Contributor

Re: Citibank CLI HP

thats what i was thinking.

 

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Message 4 of 8
Frequent Contributor

Re: Citibank CLI HP

Can you tell us your history with Citibank and what your utilization was when you asked for a cli. Did you use it for a BT ? Do you have other cards? 

 

Message 5 of 8
Frequent Contributor

Re: Citibank CLI HP


LS2982 wrote:

rtw wrote:

Received a CLI yesterday for $3500 taking me from 5K to 8.5K. Looks like it cost me a HP on TU. Oh well, should have gone for more. Didn't think it would cost me an HP since I was denied an increase back in January and June. Both times the denial letters sited EQ and were only SPs.


I think a HP for 3.5K is well worth it!! CONGRATS!!

 


Agree with LS! I have just one Citi issued card which is a sears store card. It's my oldest line and had a measley 800.00 limit from the beginning. Back in April, I needed a new fridge and sears had a 0% offer for 12 months. I called and asked for a CLI. LOL! They approved me for 100.00 with a hard pull. So...I applied at Lowes and got approved for 2400.00 with 0% for 18 months!

Meg.

FICO: 4/2016 - TU 841 | EQ 840 | EX 837

FNBO 23,600 | Amex SPG 13,900 | Amex BCP 13,400 | Barclays/Sallie Mae13,000 | Discover IT 12,500 | Lowes 10,000 | PLOC 9,300 | NASA FCU 8,700 | Citi Simplicity 6,200 | BOA Platinum+ 6,000 | Achieva CU 5,500 | Chase CSP 5,000 | Sam's Club 3,000 | Sears 900
Message 6 of 8
Frequent Contributor

Re: Citibank CLI HP

I have Citi Home Depot and TYP card and they have always HP me for a CLI request.

Message 7 of 8
Established Contributor

Re: Citibank CLI HP

I was probably at 80-90% utilization when I requested both previous cli's back in January and June. The letter I got from the decline back in June was generated from an EQ report from April. This time around they pulled TU. Across the board my utilization has gone done. Citibank was my highest limit card up until last month when I got approved for the PSECU/PSL 15K. I also opened an Amex Zync, Amex Gold and Barlclays US Airways 2.5K last month. My EX Fico was at 651 at time of PSECU and Amex Approval. Barclays pulled TU.


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Message 8 of 8