Super Contributor
Posts: 5,759
Registered: ‎01-28-2008
Re: Luv button from Citi Appeared Today
[ Edited ]

smallfry wrote:

DI wrote:

This is the message that I immediately received:


We regret that we cannot approve your request for a Credit Line Increase at this time. Your request was processed by the credit record we have on file, as well as a credit scoring system, which assigns a numerical value to various items on your credit card account(s). Your credit score did not meet our requirements, because:

Please contact Customer Service at 1-800-347-4934 to check on the status of your request. From outside the U.S., call 605-335-2222.


Maybe I'm not charging enough on the card. 

Might be. Citi likes to see a lot of usage. Don't get discouraged but don't expect a CLI unless you use the card. IF you haven't used the card much then do you really need a higher credit limit? Opened a lot of accounts within the past year? Judging by your scores Citi obviously cannot be using your FICO so their internal model won't approve you yet. So in short I would use the card or be prepared to wait some time for another 1000-1400 in additional available on this card.

If Citi used the same report on file that got me approved for a $4000 CL, I'm not understanding why it's not high enough for a CLI.  Their reason for not granting an increase is bogus.  

Message Edited by DI on 12-02-2009 10:48 PM