How many citi cards can you use for balance transfers ?

[ShiningDown]

If my limit was low on my new citi card will I be able to apply for a second card to use for another balance transfer ? Is there a certain time period to wait to apply again for a second card ?   Does a credit limit increase inquiry count as a inquiry on your credit report when they do a hard pull to check your credit history ? Is it the same weather you are approved or denied for a limit increase

[Anonymous]

If your limit was low on your first Citi card, why would you apply for a second thinking they are going to give you a higher CL? Hard inquiries are hard inquiries. Doesn't matter if it's an approval or not. You can use as many cards as you want to do balance transfers.

[Creditaddict]

I would not apply for a 2nd for at least 6 months especially if the first was really low... and what is low to you?

Also in my experience usually just a soft when applying for CLI but I have seen a lot of talk were some people did get hards so it's a risk I guess.

[KLGFCG]

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@Creditaddict wrote:

I would not apply for a 2nd for at least 6 months especially if the first was really low... and what is low to you?

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You'd think it'd work this way, but it didn't for me. I received a Citi Dividend MC in August with a CL of $1700... my lowest limit. This month, I decided to app for a Plat Select specifically for BT purposes and they gave me a CL of $5900, my highest limit ever granted on approval and my second highest overall. I don't have scores from August (they're around 730 now), but there were no significantly different factors (in fact, util was probably a little higher when I app'ed for the second card) and definitely no change in income. All I can think of is that I'd maxed and PIF'ed the Dividend card a couple times, so they could see a good payment history, but there shouldn't have been anything else that caused them to give me the higher CL. YMMV, obviously.

[ShiningDown]

 You asked how low is low, it was 1500. It  is low compared to how much I really need to transfer, I can use my us bank card 0 apr for balance transfers for 12 months. Credit limit is 1,000. Im still waiting for both cards to get here.  Does everyone usually get a limit increase around 6 months ? Is there an average increase for the people starting  at 1,500 limit .    What is easier to get a cit diamond preferred card or citi platinum select master card. I told someone to apply for the platinum select rather than the diamond preferred because I thought it was easier to qualify for but I may be totally wrong, which I told them before they applied.