Reply
Valued Contributor
tray
Posts: 1,384
Registered: ‎01-29-2008
0

FINALLY THE REQUEST CLI LINK FROM CITI

I opened my citi platinium mastercard on March 30, finally today in the tools section there was a link to request a cli, when I click on it, message popped up to contact customer service to request a cli, does anyone think it will be a hard pull, what information will they request, they must already know my yearly wage earnings from when I did my credit application.  Thanks for any information


Starting Score: EQ 546 TU 566
Current Score: EQ 693TU 08 729 EX 08 738Need to Garden/New Accounts
Goal Score: 800
Regular Contributor
jj10939
Posts: 112
Registered: ‎03-09-2009
0

Re: FINALLY THE REQUEST CLI LINK FROM CITI

That's a good sign.  It should be a soft or none at all, but if that message comes up to call, they want you to verify your income and if your CR looks good, you should get the increase.  Let us know what they say!

Moderator Emerita
Community Leader
Epic Contributor
haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007
0

Re: FINALLY THE REQUEST CLI LINK FROM CITI

If there was a form to fill out (blanks where you have to enter your info), it's a hard.

 

If it says something like, "You've been given a $1K increase in your CL; do you want it?", then it's a soft, and it's already approved.

 

This is unique to Citi. You always know with them whether it will be hard or soft by the presence or absence of the online form.

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Moderator Emeritus
fused
Posts: 16,310
Registered: ‎03-12-2007
0

Re: FINALLY THE REQUEST CLI LINK FROM CITI

It seems like CITI has all sorts of things going on. They're offering me a CLI online, but first I have to share my banking info with them. Thanks, but no thanks.

Credit Profile -
FICO 08 Scores (08-15-2014): EQ 820, EX 817, TU 814
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26+ years ~ AAoA: 12 years ~ Util: 1% ~ Inqs: EX 1 (Amex 07-15-2014)

Credit Cards -
Amex BCP 25K ~ Amex Clear 25K ~ Amex Platinum NPSL ~ Chase Freedom Visa 19.3K ~ CITI Dividend World Mastercard 20.3K ~ FIA Fidelity Investments Platinum Plus Visa 40K ~ A Gold Visa with my local bank 10K
Moderator Emeritus
MarineVietVet
Posts: 14,084
Registered: ‎07-14-2009
0

Re: FINALLY THE REQUEST CLI LINK FROM CITI

 


fused wrote:

It seems like CITI has all sorts of things going on. They're offering me a CLI online, but first I have to share my banking info with them. Thanks, but no thanks.


How about sharing it with your close friends here???  :smileytongue:

 

 

 

From a BK years ago to:
9/09 EX pulled by lender 802
3/10 EQ- 800
6/10 TU -772

You can do the same thing with hard work

Credit Scoring 101
Common Abbreviations
Frequently Requested Threads
Whats In Your FICO Score

Community Leader
Senior Contributor
laz98
Posts: 4,292
Registered: ‎09-06-2008
0

Re: FINALLY THE REQUEST CLI LINK FROM CITI

fused, don't you pay your credit cards through a bank account?

Latest scores: Walmart TU: 766. MyFICO TU: ---. DCU EQ: 741. PSECU EX: 756.
Valued Contributor
tray
Posts: 1,384
Registered: ‎01-29-2008
0

Re: FINALLY THE REQUEST CLI LINK FROM CITI

Called Citi today recieved $1,400 cl, no hard pull as I checked my reports, wanted to know my yearly earnings, then asked what i wanted for an increase, I stated $2500  need help with utilization, it was a no go, although cl now at $5,600


Starting Score: EQ 546 TU 566
Current Score: EQ 693TU 08 729 EX 08 738Need to Garden/New Accounts
Goal Score: 800
Moderator Emeritus
fused
Posts: 16,310
Registered: ‎03-12-2007
0

Re: FINALLY THE REQUEST CLI LINK FROM CITI

 


laz98 wrote:

 

fused, don't you pay your credit cards through a bank account?


Yes, I do. I don't know why CITI is asking for more info. Also, I don't see anything in writing that states I give them permission to contact my banks and start verifying info and balances.

 

Credit Profile -
FICO 08 Scores (08-15-2014): EQ 820, EX 817, TU 814
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26+ years ~ AAoA: 12 years ~ Util: 1% ~ Inqs: EX 1 (Amex 07-15-2014)

Credit Cards -
Amex BCP 25K ~ Amex Clear 25K ~ Amex Platinum NPSL ~ Chase Freedom Visa 19.3K ~ CITI Dividend World Mastercard 20.3K ~ FIA Fidelity Investments Platinum Plus Visa 40K ~ A Gold Visa with my local bank 10K
Community Leader
Senior Contributor
laz98
Posts: 4,292
Registered: ‎09-06-2008
0

Re: FINALLY THE REQUEST CLI LINK FROM CITI

 


fused wrote:

laz98 wrote:

 

fused, don't you pay your credit cards through a bank account?


Yes, I do. I don't know why CITI is asking for more info. Also, I don't see anything in writing that states I give them permission to contact my banks and start verifying info and balances.


i agree.  that seems overly intrusive.  i wouldn't want them to be doing that either.

 

Latest scores: Walmart TU: 766. MyFICO TU: ---. DCU EQ: 741. PSECU EX: 756.
Established Member
LEXiiON
Posts: 19
Registered: ‎05-25-2010
0

Re: FINALLY THE REQUEST CLI LINK FROM CITI

I have seen this link the first time today on my Citi card account.

However I have a SECURED Mastercard with them since March 10???? How can that happen? It is not due for graduation until Oct. 11???

Anyways I clicked on it.. and it says : Unable to fulfill your request... Please contact customer service at .....

Strange anyways. I do accept the fact, that you can't request a CLI with their Secured Card, but why does it show up there???

 

LEXiiON


Starting Score: 703
Current Score: 719
Goal Score: 750


Take the FICO Fitness Challenge

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.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+