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How long do I need to wait between Citi SP CLIs?

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Anonymous
Not applicable

How long do I need to wait between Citi SP CLIs?

A few days ago, I got a $1000 SP CLI from Citi.  This morning, I noticed the SP screen is back.  Filled in my info, got denied.  But if I go back to the request CLI link, it's still the soft pull screen.  So how long do I need to wait before I try again?

Message 1 of 10
9 REPLIES 9
Ghoshida
Valued Contributor

Re: How long do I need to wait between Citi SP CLIs?

6 months / 181 days.
Message 2 of 10
Ghoshida
Valued Contributor

Re: How long do I need to wait between Citi SP CLIs?

From the last CLI I mean. Hitting before that didn't reset that for me.
Message 3 of 10
Anonymous
Not applicable

Re: How long do I need to wait between Citi SP CLIs?

Sorry to jump in/hijack, but two side questions:

 

1) How do you do a SP CLI? Is it the same link in Account Management>Balance Transfers, Lines, & Loans>Request a Credit Line Increase?

2) Is it confirmed that this method is a SP and not a HP?

Message 4 of 10
Ghoshida
Valued Contributor

Re: How long do I need to wait between Citi SP CLIs?


@Anonymous wrote:

Sorry to jump in/hijack, but two side questions:

 

1) How do you do a SP CLI? Is it the same link in Account Management>Balance Transfers, Lines, & Loans>Request a Credit Line Increase?

2) Is it confirmed that this method is a SP and not a HP?


It's going to be an SP if it says: It's easy to find out if you qualify for a credit limit increase. A credit bureau report will not be requested and you will receive an instant decision.

 

So far for me they've always either offered me a CLI or declined straight off the bat (too recent CLI, or some time ago, not good enough scores) but no HP.

 

It's not guaranteed, check the language on your profile. Apparently it could differ between cards and definitely between users.

Message 5 of 10
icyhot
Valued Contributor

Re: How long do I need to wait between Citi SP CLIs?

As a general rule it's 6 months
Ch 7 BK discharged 12/2018
Bank Cards: NFCU Flagship Rewards $25K | NFCU Cash Rewards $20K |NFCU More Rewards Amex $17K | PenFed Power Cash $12.5K | PenFed Platinum Rewards $12.5K | PenFed Pathfinder Rewards $10K | PenFed Gold Card $7.5K | PayPal Cashback Mastercard $5K | Apple Card $3.5K
Store Cards: Bergdorf Goodman $10.5K | Neiman Marcus $7.5K | Care Credit $7K |
Scores: EX 656 | EQ 667 | TU 680


Goal Card: Amex Platinum (Amex IIB, waiting for 5 year mark)
Message 6 of 10
Anonymous
Not applicable

Re: How long do I need to wait between Citi SP CLIs?

Thanks. I took a look when I click the link I mentioned and it has that verbiage. Nice!

Message 7 of 10
lokobo
Regular Contributor

Re: How long do I need to wait between Citi SP CLIs?

Every 6 months online, but a couple years ago I would call and get increases with soft oulls over the phone every 3 months, until one time it ended up being a hard pull, and i stoppe doing that.


Message 8 of 10
Anonymous
Not applicable

Re: How long do I need to wait between Citi SP CLIs?

Is this reccomendation per card or per account/SSN?

Message 9 of 10
lokobo
Regular Contributor

Re: How long do I need to wait between Citi SP CLIs?

Every 6 months per each card


Message 10 of 10
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