Please help with Citi CLI question

[fico4cash]

Hi,

I requested a CLI on my Citi Universal online and they increased me from $22,500 to $23,750 with a soft pull. I've got a long history with them, excellent scores, and low utilization. I expected to go to $30k or at least $25k. I have used the card very little which could play a role. Should I call a back door number and ask to go to $30k? Will it cost me a hard? It would be great if someone could post Citi's latest/greatest back door here. Thanks!

[Creditaddict]

most likely is going to cost you hard to go up that much.

[smallfry]

I think it might be a good idea to get invisible for a while with these large banks. You might get something you didn't bargian for ya know? Since admittedly you rarely use this card anyway it might be well just to take the soft pull and the CLI and go away quietly.

[MidnightVoice]

Unless you are desperate, due to the credit crunch, I would just sit back and keep quiet!

Fly under the radar

[fico4cash]

Thanks for the replies. What about an APR reduction? They've got me at 13.73%!

[MidnightVoice]

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@fico4cash wrote:
Thanks for the replies. What about an APR reduction? They've got me at 13.73%!

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If you don't carry a balance why bother?

There is a credit crunch on, it is best to keep silent as a mouse!

[haulingthescoreup]

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MidnightVoice wrote:

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@fico4cash wrote:
Thanks for the replies. What about an APR reduction? They've got me at 13.73%!

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If you don't carry a balance why bother?

There is a credit crunch on, it is best to keep silent as a mouse!

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Agreed! I think my only single-digit APR's are on my USAA cards. The others go all the way up to somewhere in the high 20's.

APR's are absolutely the last thing I look at. I can't even bring myself to use my 0% HD APR.

[MidnightVoice]

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haulingthescoreup wrote:

Agreed! I think my only single-digit APR's are on my USAA cards. The others go all the way up to somewhere in the high 20's.

APR's are absolutely the last thing I look at. I can't even bring myself to use my 0% HD APR.

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My CU card is single digit, as is, to my amazement, my Amex Blue!

[ficonovice]

One of my CLIs with them a few months ago was via a customer service supervisor/manager. When I mentioned a CLI, he told me the most he could give without a hard pull was $2,000. My other increases with them were via their website, and both times was approved for $1,800 increases.  

[FretlessMayhem]

I agree with Hauling and Midnight. The squeeky wheel gets the grease...

Both of my BOA cards are at 9.99 percent fixed, which is my lowest. My NFCU plain jane mastercard is at 11.75 percent.