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Super Contributor
DI
Posts: 5,744
Registered: ‎01-28-2008
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Re: Luv button from Citi Appeared Today


creditwherecreditisdue wrote:

It could be too soon, too.


I'll try again after the new statement generates on the 10th. 

Regular Contributor
JimB
Posts: 179
Registered: ‎10-21-2008
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Re: Luv button from Citi Appeared Today

Unless you really need the additional credit now, why not wait until you've had the card for 6 months or, better yet, a year?
Super Contributor
DI
Posts: 5,744
Registered: ‎01-28-2008
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Re: Luv button from Citi Appeared Today


JimB wrote:
Unless you really need the additional credit now, why not wait until you've had the card for 6 months or, better yet, a year?

The card is getting boring to me.  I need a CLI to increase my interest in the card again.  It's been 5 months.   That's just me. 

Senior Contributor
creditwherecreditisdue
Posts: 4,923
Registered: ‎04-19-2009
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Re: Luv button from Citi Appeared Today


DI wrote:

JimB wrote:
Unless you really need the additional credit now, why not wait until you've had the card for 6 months or, better yet, a year?

The card is getting boring to me.  I need a CLI to increase my interest in the card again.  It's been 5 months.   That's just me. 


I wouldn't be pushing very hard on Citi right now. They are in bad humor these days.

Super Contributor
DI
Posts: 5,744
Registered: ‎01-28-2008
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Re: Luv button from Citi Appeared Today


creditwherecreditisdue wrote:

DI wrote:

JimB wrote:
Unless you really need the additional credit now, why not wait until you've had the card for 6 months or, better yet, a year?

The card is getting boring to me.  I need a CLI to increase my interest in the card again.  It's been 5 months.   That's just me. 


I wouldn't be pushing very hard on Citi right now. They are in bad humor these days.


I think they're going to put up with my aggression until the teaser rate expires. I definately won't ever call them.  That will sure make the CSR upset if they see I call all the time.  :smileywink:

Senior Contributor
creditwherecreditisdue
Posts: 4,923
Registered: ‎04-19-2009
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Re: Luv button from Citi Appeared Today

They see every CLI request you make whether it is phoned in or online.
Super Contributor
DI
Posts: 5,744
Registered: ‎01-28-2008
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Re: Luv button from Citi Appeared Today


creditwherecreditisdue wrote:
They see every CLI request you make whether it is phoned in or online.

I know. I was referring to not calling them in general.  As a former part-time CSR for a utility company, when I looked at the notes and saw that a customer called several times within a week about the same thing, that customer do not get my best personality.  I am sure it's the same way with CSR's at banks.

Senior Contributor
creditwherecreditisdue
Posts: 4,923
Registered: ‎04-19-2009
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Re: Luv button from Citi Appeared Today


DI wrote:

creditwherecreditisdue wrote:
They see every CLI request you make whether it is phoned in or online.

I know. I was referring to not calling them in general.  As a former part-time CSR for a utility company, when I looked at the notes and saw that a customer called several times within a week about the same thing, that customer do not get my best personality.  I am sure it's the same way with CSR's at banks.


I am a professional cruise agent. I make and read notes daily, both manual and system entered. They all matter.

Super Contributor
DI
Posts: 5,744
Registered: ‎01-28-2008
0

Re: Luv button from Citi Appeared Today

[ Edited ]

creditwherecreditisdue wrote:

DI wrote:

creditwherecreditisdue wrote:
They see every CLI request you make whether it is phoned in or online.

I know. I was referring to not calling them in general.  As a former part-time CSR for a utility company, when I looked at the notes and saw that a customer called several times within a week about the same thing, that customer do not get my best personality.  I am sure it's the same way with CSR's at banks.


I am a professional cruise agent. I make and read notes daily, both manual and system entered. They all matter.


Can you book me for the Oasis of the Seas?  :smileyhappy:   In the utility business they have customers trying everything in the book(my meter read wrong was a biggie) to get out of paying a high electric bills.  Those customers are already upset when they call.  I remained professional, but I did not give in to their demands.  We had the same people calling every month. 

Message Edited by DI on 12-02-2009 04:00 PM
Senior Contributor
smallfry
Posts: 4,831
Registered: ‎04-20-2007
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Re: Luv button from Citi Appeared Today


DI wrote:

This is the message that I immediately received:

 

We regret that we cannot approve your request for a Credit Line Increase at this time. Your request was processed by the credit record we have on file, as well as a credit scoring system, which assigns a numerical value to various items on your credit card account(s). Your credit score did not meet our requirements, because:

Please contact Customer Service at 1-800-347-4934 to check on the status of your request. From outside the U.S., call 605-335-2222.

 

Maybe I'm not charging enough on the card. 


Might be. Citi likes to see a lot of usage. Don't get discouraged but don't expect a CLI unless you use the card. IF you haven't used the card much then do you really need a higher credit limit? Opened a lot of accounts within the past year? Judging by your scores Citi obviously cannot be using your FICO so their internal model won't approve you yet. So in short I would use the card or be prepared to wait some time for another 1000-1400 in additional available on this card.


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