Credit Cards Center Credit cards from our partners
Reply
Frequent Contributor
Posts: 341
Registered: ‎08-14-2012
0

Online Chat with A Citi Representative on CLI's

[ Edited ]
  • 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.
Cap One Platinum MC $2.5k CL (08/12)
Citi Forward Student Visa Card $1.5k CL (09/12)
Express NEXT Card $0.25k CL (02/13), Jcrew CC $0.7k CL(02/13)
AMEX PRG NPSL (03/13), AMEX Gold Delta Skymiles 2k (03/13)
Walmart Credit Card $1.5k (03/13)
TU: 687 FICO (3/13) | EX: 692 Lender Pull (3/13) | EQ: 678 (4/1/13)
Valued Contributor
Posts: 1,621
Registered: ‎09-15-2012
0

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
Valued Member
Posts: 95
Registered: ‎02-08-2013
0

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

Established Contributor
Posts: 712
Registered: ‎06-11-2012
0

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
Frequent Contributor
Posts: 341
Registered: ‎08-14-2012
0

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. 

Cap One Platinum MC $2.5k CL (08/12)
Citi Forward Student Visa Card $1.5k CL (09/12)
Express NEXT Card $0.25k CL (02/13), Jcrew CC $0.7k CL(02/13)
AMEX PRG NPSL (03/13), AMEX Gold Delta Skymiles 2k (03/13)
Walmart Credit Card $1.5k (03/13)
TU: 687 FICO (3/13) | EX: 692 Lender Pull (3/13) | EQ: 678 (4/1/13)
Moderator Emerita
Posts: 27,204
Registered: ‎09-13-2012
0

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

Established Member
Posts: 44
Registered: ‎03-09-2013
0

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
Frequent Contributor
Posts: 310
Registered: ‎02-19-2013
0

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
         
Valued Member
Posts: 95
Registered: ‎02-08-2013
0

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

Frequent Contributor
Posts: 341
Registered: ‎08-14-2012
0

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

Cap One Platinum MC $2.5k CL (08/12)
Citi Forward Student Visa Card $1.5k CL (09/12)
Express NEXT Card $0.25k CL (02/13), Jcrew CC $0.7k CL(02/13)
AMEX PRG NPSL (03/13), AMEX Gold Delta Skymiles 2k (03/13)
Walmart Credit Card $1.5k (03/13)
TU: 687 FICO (3/13) | EX: 692 Lender Pull (3/13) | EQ: 678 (4/1/13)

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

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 internal myFICO analysis of 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. These ranges were not provided by any card issuer.

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.