topic Citi CLI in Credit Card Approvals

Citi CLI

Jayb5635 — Wed, 12 Mar 2014 20:00:09 GMT

Just got a CLI approved. 1300 to take my credit line to 3800. All of my reports are frozen so it must have been based off of my last soft pull.

Re: Citi CLI

myjourney — Wed, 12 Mar 2014 20:03:04 GMT

Congrats on the CLI

Re: Citi CLI

longtime_lurker — Wed, 12 Mar 2014 20:09:01 GMT

Very nice CLI, but if I'm not mistaken, on a frozen report current creditors can still HP you.

Fingers crossed for the SP, but unless it had the wording "A CR will not be pulled"...it probably was a HP

Re: Citi CLI

Jayb5635 — Wed, 12 Mar 2014 20:09:09 GMT

Thanks man !!! I tried with cap one but got the 7-10 day message. Oh well, one today is good I suppose lol

Re: Citi CLI

Jayb5635 — Wed, 12 Mar 2014 20:10:35 GMT

Really ??? If they could've hard pulled me I wouldn't have done it. I hope thats not the case, ugh

Re: Citi CLI

longtime_lurker — Wed, 12 Mar 2014 20:16:21 GMT

@Jayb5635 wrote:
Really ??? If they could've hard pulled me I wouldn't have done it. I hope thats not the case, ugh

Yes, really. Hopefully you don't lose that spade!

Was it this wording: "A credit bureau report will not be requested and you will receive an instant decision"

this: "It's easy to find out if you qualify for a credit limit increase. By clicking "Continue" you understand that we will obtain a credit bureau report to evaluate your request. Our credit department will review your request within 24 hours."

Re: Citi CLI

gdale6 — Wed, 12 Mar 2014 20:16:21 GMT

@Jayb5635 wrote:
Just got a CLI approved. 1300 to take my credit line to 3800. All of my reports are frozen so it must have been based off of my last soft pull.

Nice, enjoy

Re: Citi CLI

red259 — Wed, 12 Mar 2014 20:20:47 GMT

@longtime_lurker wrote:
@Jayb5635 wrote:
Really ??? If they could've hard pulled me I wouldn't have done it. I hope thats not the case, ugh
Yes, really. Hopefully you don't lose that spade!

Was it this wording: "A credit bureau report will not be requested and you will receive an instant decision"

OR

this: "It's easy to find out if you qualify for a credit limit increase. By clicking "Continue" you understand that we will obtain a credit bureau report to evaluate your request. Our credit department will review your request within 24 hours."

I thought people said a citi cli request was a sp? My account is too new to worry about such things, but I could of swore people were posting that on here.

Re: Citi CLI

Jayb5635 — Wed, 12 Mar 2014 20:21:25 GMT

I did not see either phrase or wording

Re: Citi CLI

Jayb5635 — Wed, 12 Mar 2014 20:32:08 GMT

Also I just pulled a fresh copy of my Experian report, no fresh inq's on it

Re: Citi CLI

CreditMagic7 — Wed, 12 Mar 2014 20:35:33 GMT

Check your reports for eliminate that uncertainty, and never take anything for granted before researching it 3 ways to Sunday first

That said you could simply ask Citi. They been spot on up front for me compared to most all my other Primes and i'm barely out the gate with them.
For that they get most my spend, PIF, and rinse n repeat.
Congrats! either way though on a nice CLI.

Re: Citi CLI

CreditMagic7 — Wed, 12 Mar 2014 20:38:11 GMT

EDIT: Sorry seen you posted already pulled EX. Check the softs.
Might been SP indeed.

Re: Citi CLI

Jayb5635 — Wed, 12 Mar 2014 20:48:28 GMT

The last soft pull from Citi on my Experian was January 3rd

Re: Citi CLI

B335is — Wed, 12 Mar 2014 20:58:56 GMT

Any time Citi has given me SP CLI, it's for a low-ish amount like $1200 - $1500. Longtime_lurker is correct though, it depends what verbiage is used. SP verbiage specifically says it won't impact your CR.

Re: Citi CLI

yudeology101 — Wed, 12 Mar 2014 21:00:15 GMT

Congrats on your CLI!

Citi has been doing SP CLIs for the past month or more, I've been pressing that luv button like there's no tomorrow...as a matter of fact, imma go press that luv button right after I reply to this thread lol

Re: Citi CLI

Jayb5635 — Wed, 12 Mar 2014 21:04:59 GMT

The only thing I recall seeing is entering annual salray, additional income, and rent. I recall last year after that it took me to another screen with verbiage along the lines of obtaining info from your credit report. I saw nothing of that sort this time, it simply took me to a screen showing my approved increase

Re: Citi CLI

yudeology101 — Wed, 12 Mar 2014 21:10:26 GMT

@Jayb5635 wrote:
The only thing I recall seeing is entering annual salray, additional income, and rent. I recall last year after that it took me to another screen with verbiage along the lines of obtaining info from your credit report. I saw nothing of that sort this time, it simply took me to a screen showing my approved increase

Correct. It's a 3 step system: 1) provide info 2) confirm info 3) results

Re: Citi CLI

-Wade- — Wed, 12 Mar 2014 21:19:42 GMT

@Jayb5635 wrote:
Just got a CLI approved. 1300 to take my credit line to 3800. All of my reports are frozen so it must have been based off of my last soft pull.

Congrats on your CLI

Re: Citi CLI

alvon123 — Thu, 13 Mar 2014 01:30:40 GMT

congrats

Re: Citi CLI

aubie1kenobie2 — Thu, 13 Mar 2014 02:31:00 GMT

congrats! how long have you had the card prior to requesting the CLI?