Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
Re: Citi and CLI Waiting Game..

Andy77 wrote:

 

 

So, I am beginning to realize that getting a CLI on my Citi card is going to be a LONG time from now...here is the back story....

 

Citi Secured opened Sept 2009 with 200 CL

Ch 7 BK discharged Sept 2009

 

Card unsecured 18 months later, but no CLI when unsecured

 

Used the Citi card from Sept 2009 through today, never late, never returned pmt, never over CL and life time spending on the card is 14, 500 with no single charge over 200 (CL)

 

My EX (which they always pull) is about 615 through creditexpert, but for all I know could be higher

 

I get declined for every single CLI because of my BK

 

So, I am assuming the only way I will get one is just to wait and let my score go up??  Right??  

I am assuming once it hits a threshold I will start getting increases, but I am not there yet

 

Sugestions?


That and getting some positvie post-BK history. Is Citi the only CC you have?

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014