I got my Citi TYP in March of this year. Balanced Transferred to the card and currently putting all my monthly expenses on it. I've been carrying a Util of around 80% about 3-4 months out of six with this card. My previous balance was 3450/4500. I paid 1700 to them and hit the luv button right before my statement was to cut and received a 600 increase. New limit reported to the bureaus when statement cut the next day.
Other points:
-I have a year old Citi card that went from 1200 > 2600 after 6 months.
-I have overall utilization of 30%
-13 accounts. 1 card at 90%. 2nd card at 80% and the 3rd at 80%. Usually they were the only three cards reporting. This last month I had a card reporting 500 and another reporting 5 dollars. So five cards reporting of 13. Depending on when the soft pull was taken, those numbers look different.
I have an AAoA of 11 months on CreditKarma. While other places count my student loans from 11 yrs ago into my account age. Don't really know what Citi or other cards believe is my AAOA(although I'm guessing they're going with the less than one year since most letters I get say, "Length of history too short").
So, it would seem to me that Citi just gives credit limit increases like clockwork at the 6 month mark, period. I could be wrong though.
EDIT: If you're at the 6 month mark hit the luv button and try your luck. You lose nothing since it's a soft pull.
Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
