I love Citi even more

[trumpet-205]

So right now I have Dividend and Forward from Citi. Both started out with $1K CL each. I requested for a $500 CLI on my Forward back in June and no hard pull was done. Today I did the same thing with my Dividend card.

* Input your income

* Input your mortgage/rent

* Input how much you want for CLI

* Click next

And vola! $500 CLI on my Dividend without pulling my CR. Everything is done online. If you requested too much Citi will tried to make a counter offer before pulling your report. Probably next time I will need to ask for more.

Painless CLI experience!

[laz98]

congrats! 

[CS800]

Thats great news !!! Ther is hope out there

[trumpet-205]

Thank You!

I wish other lenders are easy to deal with when it comes to CLI *cough*CapOne*cough*.

Maybe next time I should ask for $1K CLI? Though I won't actually be charging that much.

[Anonymous]

My CLI increase experience with Citi has been that if you ask too high they will counter. I started with an $800 limit on both of my cards (forward and dividends). I asked for an increase of $1200 on each and in both cases they counter with $800 for a total of $1600 credit limit on each.

Each time there was no hard pull.

[ArisGreek]

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@trumpet-205 wrote:

So right now I have Dividend and Forward from Citi. Both started out with $1K CL each. I requested for a $500 CLI on my Forward back in June and no hard pull was done. Today I did the same thing with my Dividend card.

* Input your income

* Input your mortgage/rent

* Input how much you want for CLI

* Click next

And vola! $500 CLI on my Dividend without pulling my CR. Everything is done online. If you requested too much Citi will tried to make a counter offer before pulling your report. Probably next time I will need to ask for more.

Painless CLI experience!

---

 Is that the 3 step form? That's the one that says "You give Citi blah blah the right to obtain credit report"? My Home Depot has that 3 step one but my Citi TY Preferred has the 5 step one with employment. 

I just don't want to take a chance on a hard for Home Depot ;(((

[trumpet-205]

It is actually 5 step I believe. I'm not sure on co-branded card.

[trumpet-205]

What do you know? Same trick works again on my Forward card. Now $2K CL.

[laz98]

so does the 3 step form mean it's probably just a soft pull, & the 5 step form means they'll probably pull your reports?

[trumpet-205]

Not even a soft pull, or at least this is from Equifax. It is actually a 4 step process.

You type in information.

Confirm what you typed in.

Whether Citi okay with your request, or a counter offer.

Press either okay to accept it or no to request more/hard pull.