cancel
Showing results for 
Search instead for 
Did you mean: 

Online Chat with A Citi Representative on CLI's

Frequent Contributor

Online Chat with A Citi Representative on CLI's

  • Morgan: I personally appreciate your business with Citi and the way you maintain your account.
  • Morgan: You are most welcome. Is there anything else that I can assist you with?
  • WarJar101: It's absolutely fine, I knew I saw it somewhere, it's my fault I forgot.
  • WarJar101: Yes, actually there is.
  • WarJar101: I would like to know does the account history start with when the account starts to report or from activation?
  • WarJar101: Or I should say the "Credit History" of the card rather?
  • Morgan: Yes, you are correct!
  • Morgan: It starts with the day of activation.  
  • WarJar101: Ahh, okay! Awesome, so I should've hit six months with you guys this month, correct?
  • Morgan: Yes, you are.
  • WarJar101: Morgan, it seems I jumped the gun last month, when I requested a credit limit increase. Is it possible to see if I'm eligible now?
  • Morgan: Unfortunately we are unable to check the information due to system glitch. I do apologize for the inconvenience caused to you.
  • Morgan: Please call us at 18009505114. They can happy to assist you through out.
  • WarJar101: Ahh, okay no problem. One last question.
  • Morgan: Yes, please.              
  • WarJar101: How could you determine if when you request a credit line increase would it be a hard inquiry or a soft inquiry?
  • Morgan: Once you request for a credit line increase, the credit history will be "pulled out very softly".
  • WarJar101: So it's always a soft pull for credit line increases?
  • Morgan: It would be soft pull if it is the first three requests.
Rebuilding...been out of the game for a minute. Now, after suffering I'm back with greater wisdom. Scores: Currently @ around 6 teens to 20's, across all three EQ,TU, EX
Message 1 of 25
24 REPLIES
Valued Contributor

Re: Online Chat with A Citi Representative on CLI's

Pulled out very softly!!!!!

Ha!

What is this? A game of Operation???

In My Wallet: Amex BCP (12/12) $50,000, Chase Freedom (12/12) $16,500, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Prestige (4/16) $30,000

Last App: June 27, 2015
Message 2 of 25
Valued Member

Re: Online Chat with A Citi Representative on CLI's

Oh god.. that's awesome! I get the point of this post, which is actually very insightful to how Citi does their CLI requests, but I think this post just got taken over by the Game of Operation, hey Snack, care to bring that up to the garden club? It would be intertaining.

 

"...Pull out very softly."




Starting Score: 637
Current Score: EQ:712 TransRISK: 724
Goal Score: 780


Take the myFICO Fitness Challenge

Message 3 of 25
Established Contributor

Re: Online Chat with A Citi Representative on CLI's

I would've asked "what if I like it rough?" Smiley Embarassed


DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom VS: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Message 4 of 25
Frequent Contributor

Re: Online Chat with A Citi Representative on CLI's

The most important thing here, is whether or not she caught herself after that statement lol. 

Rebuilding...been out of the game for a minute. Now, after suffering I'm back with greater wisdom. Scores: Currently @ around 6 teens to 20's, across all three EQ,TU, EX
Message 5 of 25
Moderator Emerita

Re: Online Chat with A Citi Representative on CLI's

Message 6 of 25
Established Member

Re: Online Chat with A Citi Representative on CLI's

Both a good laugh, and good insight!


My Wallet:
AMEX Gold: NPSL 8/2011
AMEX BCE: $2k 3/2013
Amazon Visa: $400 3/2013

EQ (MyFICO): 691
EX (AMEX): 692
Message 7 of 25
Frequent Contributor

Re: Online Chat with A Citi Representative on CLI's

I pulled out very softly like Citi & now I have two kids.
   Total CL: $177,300
 Highest CL: $10,000
  Average CL: $6,300
 Total PLOC: $26,000
     AAoA: 3 yrs & 11 mos
         Utilization: 7%
Inq: 11 (EQ) | 10 (TU) | 9 (EX)
         Derogatories: 0
         
Message 8 of 25
Valued Member

Re: Online Chat with A Citi Representative on CLI's

oh boi GMC xDD




Starting Score: 637
Current Score: EQ:712 TransRISK: 724
Goal Score: 780


Take the myFICO Fitness Challenge

Message 9 of 25
Frequent Contributor

Re: Online Chat with A Citi Representative on CLI's

I think everyone who has Citi CCs should put that excerpt into their sigs. Lol...GMC nice one. I honestly wanted to say something to her but I was like nah. lol

Rebuilding...been out of the game for a minute. Now, after suffering I'm back with greater wisdom. Scores: Currently @ around 6 teens to 20's, across all three EQ,TU, EX
Message 10 of 25