topic Re: Is Citi stingy with their starting limits? in Credit Card Approvals

Is Citi stingy with their starting limits?

Anonymous — Tue, 01 Dec 2015 01:51:15 GMT

My brother applied for three cards today:

Citi Doublecash (pre-qual mailer): $3,000

Wells Fargo (pre-qual mailer): $10,000

Delta Gold SkyMiles Amex: $8,000

I was just amused by the small starting limit from Citi and wanted to share.

Re: Is Citi stingy with their starting limits?

Anonymous — Tue, 01 Dec 2015 01:54:29 GMT

I just got approved for the citi dc world elite mastercard but the sl was only 1700. EQ is my lowest score so i would expect that, but they do grow.

Re: Is Citi stingy with their starting limits?

Gmood1 — Tue, 01 Dec 2015 01:56:46 GMT

Citi is tight..lol
Good luck on that growth.

Re: Is Citi stingy with their starting limits?

ddemari — Tue, 01 Dec 2015 02:03:26 GMT

Citi is tough and not the nicest on giving out big credit limits.

I remember when I had my Citi Shell MasterCard at 19, the limit was largest approval amount of $11,000.00 but this was in 2004 lol.

Re: Is Citi stingy with their starting limits?

Anonymous — Tue, 01 Dec 2015 02:08:10 GMT

Citi is TIGHT to say the LEAST but I hear that if you are good with them they'll raise you...they take their time and when they do raise you it isn't by much...

Re: Is Citi stingy with their starting limits?

Anonymous — Tue, 01 Dec 2015 02:08:17 GMT

a lot of people find success in getting a HP CLI with them. many go from a SL like your brothers to like $7-$10k

Re: Is Citi stingy with their starting limits?

Anonymous — Tue, 01 Dec 2015 06:00:07 GMT

I was got a SL of $2.9k on the same day I got a $20k Venture. I almost regret apping for it. We'll see what happens.

Re: Is Citi stingy with their starting limits?

Anonymous — Tue, 01 Dec 2015 06:10:32 GMT

Yes, they are! I was given a 4k starting limit when I had 780 on Experian which they pulled. I burned Citi in my Chapter 13 so thought that was the reason, but it seems most of us have lower starting limits although I am sure there are exceptions.

Re: Is Citi stingy with their starting limits?

DeeBee78 — Tue, 01 Dec 2015 08:20:22 GMT

@Anonymous wrote:
My brother applied for three cards today:

Citi Doublecash (pre-qual mailer): $3,000
Wells Fargo (pre-qual mailer): $10,000
Delta Gold SkyMiles Amex: $8,000

I was just amused by the small starting limit from Citi and wanted to share.

Yes and no. Everyone in this thread has the doublecash, which is well known for giving out low starting limits. CIti's higher-end cards regularly see $5k and up starting limits. Look in the approvals section for more evidence to support my statements.

Re: Is Citi stingy with their starting limits?

Anonymous — Tue, 01 Dec 2015 10:00:06 GMT

Citi can be a bit stingy with limits on a few cards from what I've read here. Premier and Prestige seem to have decent starting limits but DC and their balance transfer cards can sometimes be low compared to other current limits. Like 2011XTERROR said some of us have success taking a second HP. My DP went from $6k - $15k doing this. I felt it was worth it. After six months he may qualify for a SP increase.
Congrats to your brother

Re: Is Citi stingy with their starting limits?

Country_Feller — Tue, 01 Dec 2015 14:57:13 GMT

Yes, they're tight but Congrats to your brother!!

Re: Is Citi stingy with their starting limits?

Anonymous — Wed, 02 Dec 2015 05:36:00 GMT

Yes my citi double cash is 1k. I've only had it a month so I'm hoping it will grow!

Re: Is Citi stingy with their starting limits?

Anonymous — Wed, 02 Dec 2015 17:55:43 GMT

@ddemari wrote:
Citi is tough and not the nicest on giving out big credit limits.

I remember when I had my Citi Shell MasterCard at 19, the limit was largest approval amount of $11,000.00 but this was in 2004 lol.

Haha nice! I was 18 in 2004. Got my first credit card and the limit was like $1,000

Re: Is Citi stingy with their starting limits?

Anonymous — Wed, 02 Dec 2015 18:33:24 GMT

Citi is tight with SLs but with regular usage, time, and on time payments they can bump you generously with HP or SP if you're lucky enough. Some folks say they will auto CLI you as well.

I went from $7700 to $25000 to $35000 on my AA Plat over two HPs six months apart.