Reply
Frequent Contributor
Posts: 269
Registered: ‎03-15-2012
0

Re: How Generous is Citi with starting CL's?

One of the best...my newest and highest limit.

Fico Scores: 763 EQ(12/11/12) 801 TU(02/06/15) 776 EX(02/14/2015)
AMEX BCE 18K AMEX Blue Sky 13.6K AMEX BCE 13.5K AMEX Zync
NPSL(AU) Citi Double Cash 10K PenFed Plat Rewards 8.5K Citi Forward $7.1K Discover it 6.5K Wells Fargo Cash Back $4.4K BankAmericard Better Balance $700 Chase Freedom $500 Capital One Quicksilver $6K Capital One Platinum (AU) $500 Capital One Secured Card (AU) $251(Closed)
New Contributor
Posts: 63
Registered: ‎07-21-2012
0

Re: How Generous is Citi with starting CL's?

 When I applied for the Citi Simplicty card in November they gave me a limit of 11.7K. Three months ago they gave me a 2k CLI with a soft pull. I had 4 Citi cards prior to the Simplicity. 2 with limits of 1k each and 2 with limits of 4k each. They were from 6 - 12 years ago.

Scores: EQ-798 EX-802 TU-786

CC: |Amex PRG - NPSL| |Citi Simplicity - 22.6K| |CapOne No Hassle Rewards - 20K| |Chase Freedom 17.5K| |CSP 15K| |Discover IT - 7.8K| |Discover More - 6.1K| |GE PC Richard - 4.5K| |Amex Delta Gold - 3.5K| |Citi Goodyear - 2.5K| |CapOne Kohls - 1.5K| |GAP - 1.5K| |Macy's Amex - 1K| |Ann Taylor - 0.5K| |NY&C - 0.5K|
Valued Member
Posts: 49
Registered: ‎02-14-2011
0

Re: How Generous is Citi with starting CL's?

I am a grad student making 25k a year and with the exception of a store card, my Citibank platinum is my lowest cl at 1k. Also have a us bank flexperks cash rewards at 4k, chase slate at 3k, discover more at 3k, and very recently a Amex bce at 15k (still think they made a mistake with that!) I got the Citibank second to last. It was my most recent until yesterday wIth the Amex. I guess I am NOT getting love from Citibank.
Established Member
Posts: 19
Registered: ‎03-25-2007
0

Re: How Generous is Citi with starting CL's?

fwiw, I just applied for a Citi card & they gave me my lowest credit limit of all major banks.  I have $27.5K with CapOne, $25K with US Bank, $19K with Chase, $15K with AMEX (twice) and Discover.  All those limits were what banks gave me on their own, I've never asked for a limit increase from anyone, not even once.  I own my home free & clear and make 6 figures, so my income is pretty much entirely disposable.  Citi gave me $9400.

 

Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: How Generous is Citi with starting CL's?


OptimasPrime wrote:

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.


This IMO is your best option to get a good or better CL with Citi.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Senior Contributor
Posts: 4,694
Registered: ‎02-23-2011
0

Re: How Generous is Citi with starting CL's?

For me, they were in the middle of my low and high CLs, similar to BofA.  Both Amex and Chase gave me higher CLs, while Barclay, Discover, Cap One, and BBRZ gave me lower.  

Frequent Contributor
Posts: 348
Registered: ‎08-17-2012
0

Re: How Generous is Citi with starting CL's?

[ Edited ]

LS2982 wrote:

OptimasPrime wrote:

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.


This IMO is your best option to get a good or better CL with Citi.

 


Yeah I think this is what I am going to do. I can do without citi for a little while and will receive a much better starting cl if I wait until spring/summer. Discover is 5% on online shopping (edit- read:Amazon) next quarter anyway which is one of the main things that drew me towards the Citi Forward.

EQ 778 | TU 776
Barclay US Airways WMC 7.5k | BCE 5.8k | BofA Travel Rewards 9.1k | Chase Marriott Premier 13k | Citi TYP WMC 6.5k | Freedom Visa Sig 8k| Discover it 10k
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.