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Question about a Citi CLI

New Member

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.)

Message 1 of 8
7 REPLIES
Valued Contributor

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.

Message 2 of 8
Frequent Contributor

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
Message 3 of 8
New Member

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.

Message 4 of 8
Established Contributor

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.

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 / AU- Amex BCP $12K / Chase Freedom Visa $11014.00 / PenFed Platinum Rewards Visa Signature $6K / GE Lowes $10K
myFico Scores on 10/03/2014
Eq 798 / Exp 811 / Trans 814
CCT Fico 08 on 1/3/16 - Trans 786 / Exp 793 / Eq 797
Message 5 of 8
Valued Member

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.

Message 6 of 8
Valued Contributor

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
Message 7 of 8
Frequent Contributor

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
Message 8 of 8