topic Re: CITI Costco CLI to $43K in Credit Card Approvals

CITI Costco CLI to $43K

Aim_High — Sun, 08 Jan 2023 00:17:14 GMT

CITI allows CLI once every six months with a soft pull. Today was my day for my Costco card's CLI. I received an instant approval for $1K increase from $42K to $43K.

With moderate spend (and pre-pandemic), this card was getting $3K increases every six months but at the time, I was also using it more heavily for non-Costco spend. For the past couple of years, my increases slowed to $1.5K every six months. The card currently only gets light usage so perhaps that is the main reason for the further slowing to $1K. I have noticed that CITI's CLIs seem spend-driven to some degree. For another general CITI data point, it seems CITI may deny CLI at the six-month point if there is excessive credit-seeking behavior. That happened to me once and I've seen reference to something like more than two or three new accounts in six months. (My current new personal accounts tally is 1/6; 1/12; 2/24.)

Re: CITI Costco CLI to $43K

NoMoreDebt — Sat, 07 Jan 2023 13:48:30 GMT

Congrats on the CLI and the already great credit limit

Re: CITI Costco CLI to $43K

JoeRockhead — Sat, 07 Jan 2023 13:59:10 GMT

Appreciate all the info, 1k is 1k, congrats on your CLI!

Re: CITI Costco CLI to $43K

Elpadrino1 — Sat, 07 Jan 2023 15:21:45 GMT

Congratulations on your CLI!!

Re: CITI Costco CLI to $43K

mystikal1 — Sat, 07 Jan 2023 16:19:05 GMT

Congrats on the CLI.

Re: CITI Costco CLI to $43K

mgood — Sat, 07 Jan 2023 18:07:57 GMT

Grats! Still growing, even if the growth seems to have slowed.

Re: CITI Costco CLI to $43K

Lou-natic — Sat, 07 Jan 2023 18:39:25 GMT

Grats on the Citi Costco LUV! lol

Re: CITI Costco CLI to $43K

CreditAggie — Sat, 07 Jan 2023 19:15:31 GMT

Congratulations on your Citi Costco CLI!

Re: CITI Costco CLI to $43K

gdale6 — Sat, 07 Jan 2023 21:21:51 GMT

Well 1K is better than nothing, grats on the latest move up!!

Re: CITI Costco CLI to $43K

regional_ryan — Sat, 07 Jan 2023 22:39:13 GMT

Congrats on the CLI

Re: CITI Costco CLI to $43K

IntegerIntrovert — Sat, 07 Jan 2023 23:03:33 GMT

Congrats on the CLI.

Re: CITI Costco CLI to $43K

KingRue8500 — Sun, 08 Jan 2023 00:26:19 GMT

Congrats on your Citi Costco Anywhere CLI

Re: CITI Costco CLI to $43K

Anonymous — Sun, 08 Jan 2023 09:15:51 GMT

@Aim_High

Shame on you for taking credit lines out of the mouths of Babes!

Nice ...

Re: CITI Costco CLI to $43K

SweetCreditObsession — Mon, 09 Jan 2023 00:38:55 GMT

Congratulations and thank you for the uber helpful DPs!

Re: CITI Costco CLI to $43K

gingerflower — Mon, 09 Jan 2023 17:00:40 GMT

Congratulations!

Re: CITI Costco CLI to $43K

PullingMeSoftly — Mon, 09 Jan 2023 17:46:38 GMT

Nicely done @Aim_High, I derive pleasure from seeing the turnip that is Citi being squeezed. Congrats on getting a bump!

Re: CITI Costco CLI to $43K

Blender — Tue, 10 Jan 2023 05:10:53 GMT

@Aim_High wrote:
CITI allows CLI once every six months with a soft pull. Today was my day for my Costco card's CLI. I received an instant approval for $1K increase from $42K to $43K.

With moderate spend (and pre-pandemic), this card was getting $3K increases every six months but at the time, I was also using it more heavily for non-Costco spend. For the past couple of years, my increases slowed to $1.5K every six months. The card currently only gets light usage so perhaps that is the main reason for the further slowing to $1K. I have noticed that CITI's CLIs seem spend-driven to some degree. For another general CITI data point, it seems CITI may deny CLI at the six-month point if there is excessive credit-seeking behavior. That happened to me once and I've seen reference to something like more than two or three new accounts in six months. (My current new personal accounts tally is 1/6; 1/12; 2/24.)

(bold)

so after i saw this post i tried one on my 2 year old best buy store card and they said a hard pull is necessary?

Re: CITI Costco CLI to $43K

FinStar — Tue, 10 Jan 2023 05:14:54 GMT

@Blender wrote:
@Aim_High wrote:
CITI allows CLI once every six months with a soft pull.

(bold)
so after i saw this post i tried one on my 2 year old best buy store card and they said a hard pull is necessary?

@Blender - the Citi Best Buy card is part of Citi Retail Services, not the legacy side such as Costco, Rewards+, Double Cash. So, any CLI requests for the majority of Citi Retail Services CCs will be a HP. They're managed separately.

Re: CITI Costco CLI to $43K

Mones — Wed, 11 Jan 2023 16:21:46 GMT

Congrats on the Costco CLI up to 43k! A huge limit!

Re: CITI Costco CLI to $43K

BigOrange — Wed, 11 Jan 2023 19:45:43 GMT

Saw your post and also tried and got +1k. I have a recurring reminder in my calendar now to do this every 6 months and one day.