topic Re: Citi DC $7000 SP CLI in Credit Card Approvals

Citi DC $7000 SP CLI

Anonymous — Fri, 11 May 2018 18:24:03 GMT

Received a $7000 SP CLI today on my Citi DC taking me from $12,300 to $19,300. Overall I'm satisfied with the CLI, especially since with a HP CLI from them on the same account 6 months ago I only got $5000.

My goal is a $25k-$30k limit on this card and honestly I'm not willing to give up another HP to get me there right now (although I know I would get it). Anyone that has gotten a SP CLI from Citi or has knowledge on the subject, how soon after receiving one have you ever seen "SP language" on your account suggesting that you may be able to get another?

I'm pretty sure with Citi there isn't a 6 month rule like there is with Amex or Capital One for example and that people have reported successful SP CLIs in closer proximity to each other. Any info here would be very helpful, so thanks in advance.

Re: Citi DC $7000 SP CLI

avp99 — Fri, 11 May 2018 18:29:11 GMT

Congratulations!! nice CLI!

Re: Citi DC $7000 SP CLI

AverageJoesCredit — Fri, 11 May 2018 18:46:13 GMT

No, Citi is 6 months between sp cli and any one who has gotten more is more or less the exception. I cant even get a $1 sp increase so 7k must feel like a cool mil

Re: Citi DC $7000 SP CLI

credit_endurance — Fri, 11 May 2018 19:17:18 GMT

Congratulations BBS on a significant increase! You probably could get to $30k today with the HP but looks CiTi likes your profile now so why waste it.

Re: Citi DC $7000 SP CLI

Anonymous — Fri, 11 May 2018 19:25:58 GMT

Congrats on very nice CLI

Re: Citi DC $7000 SP CLI

Anonymous — Fri, 11 May 2018 19:28:00 GMT

Congrats!! I"ll catch up to you in two years lol

Re: Citi DC $7000 SP CLI

Anonymous — Fri, 11 May 2018 19:58:07 GMT

@AverageJoesCreditNo, Citi is 6 months between sp cli and any one who has gotten more is more or less the exception. I cant even get a $1 sp increase so 7k must feel like a cool mil

Gotcha, I must have misunderstood in thinking you could get a CLI in < 6 months. Does the "SP language" become available at times in less than 6 months, but it's simply not worth trying to go for one since you can't get it... or, does the language not even appear for 6 months following a SP CLI?

Re: Citi DC $7000 SP CLI

Anonymous — Fri, 11 May 2018 21:33:59 GMT

Great SP CLI. I saw the soft language a month after having my cards. But I never got a CLI until about a week before my 6 months were up. I did read one DP about someone getting on at 60 days which is the only reason I went for it early this last time. But it was only a week early. $1500 on both of them.

Re: Citi DC $7000 SP CLI

Asilomar — Fri, 11 May 2018 23:53:20 GMT

That's a helluva sp CLI, Brutal! Great job.

Re: Citi DC $7000 SP CLI

Anonymous — Sat, 12 May 2018 07:35:59 GMT

I should also add a data point here that I had a very heavy spend last cycle. I brought my balance up to near $11k (of my $12,300 limit) and had to make a $1000 payment mid-cycle in order to make another purchase that put me at a $12,100 balance on my $12,300 limit. A week later I made $9000 payment. I'm thinking that the fact that I had to make an extra payment just to use the card as much as I wanted to was probably a good "look" in terms of needing a stronger than average CLI.

Re: Citi DC $7000 SP CLI

Asilomar — Sat, 12 May 2018 07:37:51 GMT

Shrewdly done.

Re: Citi DC $7000 SP CLI

Anonymous — Sat, 12 May 2018 13:37:23 GMT

My Citi Card has always had the soft pull language, even though I am not eligible for a SP CLI since I have already recieved one within the last 6 months.

Re: Citi DC $7000 SP CLI

Anonymous — Sat, 12 May 2018 23:53:03 GMT

@AnonymousMy Citi Card has always had the soft pull language, even though I am not eligible for a SP CLI since I have already recieved one within the last 6 months.

I hear that. If one requests a CLI in < 6 months (from your previous one) do you get an immediate denial citing that you requested too soon, or does it not give an instant denial? Also, I'm assuming that doing this doesn't "reset the clock" but wanted to make sure.

Re: Citi DC $7000 SP CLI

Anonymous — Sun, 13 May 2018 00:24:51 GMT

@Anonymous wrote:
@AnonymousMy Citi Card has always had the soft pull language, even though I am not eligible for a SP CLI since I have already recieved one within the last 6 months.
I hear that. If one requests a CLI in < 6 months (from your previous one) do you get an immediate denial citing that you requested too soon, or does it not give an instant denial? Also, I'm assuming that doing this doesn't "reset the clock" but wanted to make sure.

Instant denials for me. I don't receive the reason til the next day in the secure center. It has not reset my clocks. I barely used DC and it got the same SP luv as my Costco which I do use more for restaurants/gas.

Re: Citi DC $7000 SP CLI

Anonymous — Sun, 13 May 2018 04:22:18 GMT

That is one heck of a "Brutal" SP CLI.
Congratulations!

Re: Citi DC $7000 SP CLI

Anonymous — Sun, 13 May 2018 13:58:50 GMT

Outstanding CLI. I had just about given up on Citi when I asked for a CLI and was given a 1500 increase which brought me up to a big $8300.00 Citi has been difficult for me because we have history that isn't great. I was considering cancelling the card, but plan to keep it now for the zero percent offers and utilization. I am happy with my little CLI, but yours is spectactular!

Re: Citi DC $7000 SP CLI

Anonymous — Mon, 14 May 2018 00:23:35 GMT

Thanks. I think with this new CL I should be able to keep my utilization in the 50%-60% range or lower almost always, which is far better than hitting 80%-100% on heavier spend months following a high-spend and statement balance from a previous month.

Hopefully with 1 more SP CLI in 6 months I can bump the limit up to my goal range, which would allow me to keep the card reporting under 30% almost always.

Re: Citi DC $7000 SP CLI

Anonymous — Sat, 27 Oct 2018 07:11:23 GMT

About 2 weeks away from my next SP CLI attempt on the DC card. Will definitely let you all know how it turns out.

Re: Citi DC $7000 SP CLI

Anonymous — Sat, 27 Oct 2018 14:09:57 GMT

@Anonymous wrote:
About 2 weeks away from my next SP CLI attempt on the DC card. Will definitely let you all know how it turns out.

Wishing you well! I was quite happy with the 3K CLI they gave me, but 7K, wowzers! How long had it been between CLI requests or account opening when you got that amount? Wondering if you wait longer if you are rewarded with a larger CLI than the 1.5K that seems to be the most commonly reported.

Re: Citi DC $7000 SP CLI

JamP — Sun, 28 Oct 2018 18:25:10 GMT

BBS. Beautiful CLI from Citi, your very very lucky.

Normal Citi CLI's are between 1k-2k every 6 months on the dot, I even tried the day before and denied just to get one the next day on my 6 month mark. Kinda like Discover used to be before Discover dried up.

I had no idea they would give a SP CLI for that much. I'm half tempted to take a HP and see how high I can go. My DC is my Bill pay card as well as general spend where I cannot get cash back on any other card.

The SP verbiage shows up almost instantly on both my DW and my DC cards on approvals and denials.