Credit Cards

[OptimasPrime]

Hi everyone,

I'm new to posting but have been lurking for quite awhile now. I was thinking about adding a Citi (either forward or TY Preferred) to my portfolio as its really the last major lender that I'm missing. Based on my Fico's I'm pretty sure approval wouldn't be an issue. So I guess my question is whether or not anyone has any experience with Citi matching or exceeding cl's of other creditors on existing tradelines? 

Income is a bit of a limiting factor for me as I am currently in grad school. I finish up school in May and have accepted a well paying full time position so it would be best for me to just wait a year increase my existing cl's accordingly and then app for citi but I am a bit impatient. 

I would appreciate the input of anyone was has experience with Citi.Thank you.

[n777ua]

They are fairly generous from what I can tell.  Back in college, before I had a BK7, I had a citi card with an initial limit of 2K, which was $15k 6 months later...I think my stated income was $4k.   

Those days are over for sure ...

[The_Gardener]

Id wait until your income is up after grad school. its the safe route.

back into the garden!

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[CruzImperial]

They gave me my first 2 cards with 3k limit each. So far, citi has been the most generous (excepting GE store cards)

[LilNYC]

They were really generous with me but my income is relatively high. The back of my pre-approved ThankYou offer stated that they determine CL based on the applicant's income & income in relation to any debt reflected on the credit rport. That being said, I'd suggest waiting till your income is higher. If it helps I have 2 cards with them. The 2nd card thry approved me for is more than double my CL with Chase & the 1st card they gave me  is even higher than that. 

[migliogiorni]

quadrupled my highest CL.

[CreditScholar]

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LilNYC wrote:

They were really generous with me but my income is relatively high. The back of my pre-approved ThankYou offer stated that they determine CL based on the applicant's income & income in relation to any debt reflected on the credit rport. That being said, I'd suggest waiting till your income is higher. If it helps I have 2 cards with them. The 2nd card thry approved me for is more than double my CL with Chase & the 1st card they gave me  is even higher than that. 

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+1. I've heard they are quite generous as well, and I've heard several people mention that they received a higher CL than whatever they had with Chase and other conservative lenders. I was considering adding the new Citi Hilton Reserve to my portfolio in the next few months. I'm expecting a starting CL of 30k or higher, but I'll have to see when the time comes.

[starboundphoenix]

I got a $6K initial limit on the Forward with 680s scores and two lates. Income is in the $60K-$70K range with 13 years on the job. Only CC I had open at the time was a $5K Cap1 Plat.

[JustWill]

They more than doubled my highest limit at the time.

[CardinalRules]

Citi was my second card, and it more than doubled my highest CL.