Reply
Frequent Contributor
WarJar101
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
SnackTrader
Posts: 1,567
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) $22.200, Cap1 Quicksilver (6/12) $14,000, Chase CSP (4/14) $12,000, Barclaycard Rewards (5/13) $10,500, Citi Forward (12/12) $9,600, Chase Freedom (12/12) $5,000

Last App: April 2, 2014
Valued Member
VinceYoung
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
eviLution
Posts: 706
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?" :smileyembarrassed:


Current Score: DCU EQ 714 - EX+ 746 - WM TU 746
Goal Score: 750+

DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 6000 - Chase Freedom: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Frequent Contributor
WarJar101
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
09Lexie
Posts: 26,630
Registered: ‎09-13-2012
0

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

Established Member
ArtVandelay
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
GMCSierraDenali
Posts: 252
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.
      

      

Valued Member
VinceYoung
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
WarJar101
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)

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}