Reply
New Member
TylerA
Posts: 3
Registered: ‎09-06-2011
0

Question about a Citi CLI

Hi.  I'm new to these boards, but there is a ton of useful info here.  I've had my Citi Diamond Card for 4 months now; the CL is $4000, and the balance is up to $3800.  The balance is so high b/c we've had issues w/our central air this summer, & I have put multiple payments on this card.  I pay between $350-$400/month.  So I logged in to my account, and on the home page, in the lower right corner (in blue....like a link I think), is 'request a credit line increase.' 

 

I can't recall seeing that there in the 1st 3 months.  I don't know if they 'recognize' how I'm using the card (one major purchase, really) and are offering a CLI b/c of this.  I would just click the link, but I don't need/want a hard pull (attempting to garden), although if it was a soft pull, I would pull the trigger.  I was wondering if anyone else had an experience like this......thanks.

 

(I really thought that any CLI from Citi would have to wait at least 6 months from what I've gathered from others on the boards.)

Valued Contributor
mxp114
Posts: 1,379
Registered: ‎09-01-2011
0

Re: Question about a Citi CLI

Someone else with more insight can chime in but have you considered freezing your reports? AFAIK that's one way to make sure no hard inquiry is done.

Frequent Contributor
rbh
Posts: 356
Registered: ‎06-25-2009
0

Re: Question about a Citi CLI

If you pull the trigger before 6 months, it will decline you and the letter you receive will say it's because you didn't wait 6 months.  And they won't do a hard pull.  Now after 6 months, a hard pull COULD happen but it hasn't happened for me.

AMEX Blue Cash - $15k, Lowes/GECRB - $10K, PNC - $10K, CIti Diamond Preferred - $10K, Home Depot/Citi - $7590, Best Buy Store/HSBC - $7400, Citi Platinum Select - $7150, Best Buy RZMC/HSBC - $5750, Dillards/GECRB - $4350, Discover More - $3600, Cap 1 Cash Rewards - $3000, Amex HHonors - $2000, State Farm - $2000, Cap 1 MTV - $1500
New Member
TylerA
Posts: 3
Registered: ‎09-06-2011
0

Re: Question about a Citi CLI

Thanks--I felt that was the case (so I'll be conservative and wait).  I may have just noticed the message, but it may have been there all along.

Frequent Contributor
OnTheRebound
Posts: 473
Registered: ‎08-05-2009
0

Re: Question about a Citi CLI

I pulled the trigger at about 4 months on my Citi Plat. Select MC. Denied. Had to wait 6 months. No hard pull. At about 7 months, I requested again, Instant approval. No hard pull. Same again at about 9 months.

Mine- Amex BCE $11.1 / Citi Diamond Preferred WMC $12K / Citi Double Cash WMC $3.8K / Comenity Total Rewards Visa $2.5K / Citi Home Depot $5K / DW's- I'm AU on most- Amex BCP $12K / Chase Freedom Visa $11014.00 / PenFed Platinum Rewards Visa Signature $6K / Citi Simplicity MC $4.4K / GE Lowes $10K / GE CareCredit $5K
myFico Scores as of 10/03/2014
Equifax 798 / Experian 811 / TransUnion 814
Valued Member
crackiein
Posts: 36
Registered: ‎07-26-2010
0

Re: Question about a Citi CLI

 

Generally, I call the number on the back of my card and ask the representative if they can see a CLI approval on their monitor with NO hard pull.  The CSR will ask about income and CLI amount requested and then either say it's approved with only a soft pull or make a counter offer for a lower amount.   I am always certain to tell them NO HARD PULL and have received CLIs with only softs.

 

I have to give credit to reading this advice here.  Unfortunately, I don't recall the OP but it was great advice!

 

BTW, freezing your reports will not prevent a current creditor from a hard pull.

Valued Contributor
ptr2593
Posts: 1,486
Registered: ‎08-14-2011
0

Re: Question about a Citi CLI

Also, when 6 months does come around, it definitely wouldn't hurt to get your util down before the CLI request.

In My Wallet:
AMEX BCE, Citi Forward, Chase Freedom

In My Sockdrawer:
AMEX Clear, Citi Platinum Select, US Bank Platinum, J.Crew
Frequent Contributor
GrowingCredit
Posts: 315
Registered: ‎05-28-2011
0

Re: Question about a Citi CLI

I have Citi Platinum Select World MC. Last month I emailed them about CLI from 6300 to 10000 and got a reply back to call them on some number with instant increase to 8100. I called that number and was told that to get tha increase I need to have a hard pull but since i denied for a hard pul they did not give me a CLI.

TU Auto enhanced FICO (9/2012): 744
EX FICO (8/2012): 748
EX FICO (6/2010): 739

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+
}