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Epic Contributor
Posts: 24,676
Registered: ‎10-23-2007
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What's min. time from open to first CLI on Citi

Citi online Luv Button.... How does it work these days for time frame and SP vs. HP?

Fico Scores: EQ- 670., TU 705 Sync, EX 728 SoFi(05/04/15)
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Regular Contributor
Posts: 146
Registered: ‎01-05-2013
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Re: What's min. time from open to first CLI on Citi

Not sure if it's SP or HP but 6 months from opening (when I asked for one, account was 4 mo - declined due to account not at least 6 mo but was SP)


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Regular Contributor
Posts: 138
Registered: ‎12-13-2011
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Re: What's min. time from open to first CLI on Citi

every 6 months for CLI and its HP. i asked cli before 6 months and auto declined but its only SP.

Valued Contributor
Posts: 8,350
Registered: ‎10-21-2012
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Re: What's min. time from open to first CLI on Citi


Creditaddict wrote:

Citi online Luv Button.... How does it work these days for time frame and SP vs. HP?


Minimum 6 months from open date.  HP or SP will depend on the elegibility of your account at the time you request the CLI.

 

If you use the online CLI feature, once you provide an amount and personal information, if the next window displays a message along the lines of "By submitting this form you authorize Citibank, NA to check your credit history" it is likely going to result in a HP - at which point you can cancel the form.  If an HP is no issue for you then proceed as usual.

 

Optionally, you can contact them directly and as you proceed with the request, you will need to ask the CSR whether it will be treated as SP or HP.  They should be able to let you know (hopefully - this is Citi we're dealing with) so as to give you the option to cancel before the HP is done.

Established Contributor
Posts: 682
Registered: ‎09-12-2011
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Re: What's min. time from open to first CLI on Citi

My husband got a CLI on his Citi Simplicity at the 6-month mark.  His limit went from $7,400 to $11,500 and only a SP.  As everyone else has stated, YMMV.

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Senior Contributor
Posts: 6,260
Registered: ‎08-16-2012
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Re: What's min. time from open to first CLI on Citi

An American CSR mgr recently told me they re evaluated their cli policy and are allowing them prior to the 6 month mark.
He specifically said you do not have to wait six months any more. Now..take that for what it is... Lol I have only bad experiences with Citi anywho.
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New Contributor
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Registered: ‎03-16-2013
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Re: What's min. time from open to first CLI on Citi

I tried 2 weeks ago no luck and hp.sucks
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Valued Contributor
Posts: 3,099
Registered: ‎10-02-2012
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Re: What's min. time from open to first CLI on Citi

Looks like a HP form to me. Enter income, then the next screen comfirms the info entered plus authorizes a credit pull. 

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Valued Contributor
Posts: 8,350
Registered: ‎10-21-2012
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Re: What's min. time from open to first CLI on Citi


Dustink wrote:

Looks like a HP form to me. Enter income, then the next screen comfirms the info entered plus authorizes a credit pull. 


Correct - this is the HP form.  Since you are closely watching your HPs, I'd say "cancel".

Regular Contributor
Posts: 245
Registered: ‎10-05-2012
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Re: What's min. time from open to first CLI on Citi

I got my Diamond Prefered in March of 2012 and waited until the 7th statement to cut, that way I was sure to get past 6 months, first statement sometimes can be a partial month.

 

I started at 8.3k, asked for 3k, got 2k, approved online with only a SP.

 

But, I tried agian in Dec 2012 and got denied due to not being another 6 months.  Had a chat with CSR and was told CLI every six months from requesting, so, since I was denied in Dec, I have to wait a full 6 months from then.

 

Now I know better.

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