topic Re: Absolutely Crazy Best Buy CLI in Credit Card Approvals

Absolutely Crazy Best Buy CLI

Jordan23ww — Sat, 11 Feb 2023 01:04:42 GMT

This is absolutely crazy! I got my Best Buy Visa card over 15 years ago with a starting limit of $1000. For the first 14 years I never missed a payment, was never late, but every time I went for a limit increase I would get denied. I'd work on the reason for the denial and get denied for a different reason. Citi hard pulls your credit to get increases on the Best Buy card, so I wasted a lot of hard pulls over the years.

A little over a year ago, in year 14 I decided to try once again and I asked to go from $1000 to $15,000. They countered and increased me to $13,000. I was extremely grateful and happy to finally get increased! With the Best Buy card you can get increases every 6 months. So today I decided since it has been 13 months to shoot my shot again. I actually wanted to go from $13,000 to $25,000. After reading a few posts on this forum I decided to shoot for the moon and make it $30,000. I applied on the website, they hard pulled Equifax, and just like last year gave me a message to call them.

Called them and the rep said to assist with this limit increase they would need to transfer me to their Recon Team. The Recon Team rep verified some info such as name, net salary, mortgage and asked me if I would like to include any assets too for them to consider. I provided them my portfolio's balance and they put me on hold for 5 minutes. Came back and said we can increase you to $28,400! I was estatic! I would've been more than content with $25,000 so to get an extra $3400 on top of that was the cherry on top. Hard to believe in the span of 13 months I've gotten a $12,000 increase and then a $15,400 increase after being stuck at $1000 for 14 years!

Before my request:

Equifax Fico 8: 743

Equifax Inquiries: 3/12, 5/24 (2 of the 5 were with Citi. 1 was from my May 2022 Citi Custom Cash application, the other was from my January 2022 Best Buy CLI request)

New Accounts: 0/6, 3/12, 4/24

Utilization: Less than 1%

Re: Absolutely Crazy Best Buy CLI

NoMoreDebt — Sat, 11 Feb 2023 01:11:16 GMT

Congrats on the cli

Re: Absolutely Crazy Best Buy CLI

Jordan23ww — Sat, 11 Feb 2023 01:22:56 GMT

@NoMoreDebt wrote:
Congrats on the cli

@NoMoreDebt thank you!

Re: Absolutely Crazy Best Buy CLI

JoeRockhead — Sat, 11 Feb 2023 02:25:27 GMT

That's pretty incredible, congratulations on your haul!

Re: Absolutely Crazy Best Buy CLI

NoMoreE46 — Sat, 11 Feb 2023 02:43:26 GMT

Helluva increase

Saw-wheet

Re: Absolutely Crazy Best Buy CLI

Jordan23ww — Sat, 11 Feb 2023 03:19:49 GMT

@JoeRockhead wrote:
That's pretty incredible, congratulations on your haul!

@JoeRockhead thank you! They are definitely making up for all the years of telling me no!

Re: Absolutely Crazy Best Buy CLI

Jordan23ww — Sat, 11 Feb 2023 03:20:16 GMT

@NoMoreE46 wrote:
Helluva increase
Saw-wheet

@NoMoreE46 thank you!

Re: Absolutely Crazy Best Buy CLI

CreditAggie — Sat, 11 Feb 2023 04:28:12 GMT

Congratulations on your Best Buy CLI!

Re: Absolutely Crazy Best Buy CLI

SweetCreditObsession — Sat, 11 Feb 2023 05:00:19 GMT

Congratulations on the perseverance you've shown and for finally getting some long overdue CLI'S! 🥳🥳🥳

Re: Absolutely Crazy Best Buy CLI

KingRue8500 — Sat, 11 Feb 2023 10:15:48 GMT

Congrats on your Citi Best Buy Visa CLI

Re: Absolutely Crazy Best Buy CLI

Anonymalous — Sat, 11 Feb 2023 13:05:29 GMT

Now you can buy that 120" TV!

Re: Absolutely Crazy Best Buy CLI

cashorcharge — Sat, 11 Feb 2023 17:57:40 GMT

Woohoo! Congratulations on your BB CLI!🥂🎉👏🏼

Re: Absolutely Crazy Best Buy CLI

Jordan23ww — Sun, 12 Feb 2023 00:32:59 GMT

@CreditAggie wrote:
Congratulations on your Best Buy CLI!

@CreditAggie thank you!

Re: Absolutely Crazy Best Buy CLI

Jordan23ww — Sun, 12 Feb 2023 00:33:33 GMT

@SweetCreditObsession wrote:
Congratulations on the perseverance you've shown and for finally getting some long overdue CLI'S! 🥳🥳🥳

@SweetCreditObsession thank you so much!

Re: Absolutely Crazy Best Buy CLI

Jordan23ww — Sun, 12 Feb 2023 00:34:10 GMT

@KingRue8500 wrote:
Congrats on your Citi Best Buy Visa CLI

@KingRue8500 thank you!

Re: Absolutely Crazy Best Buy CLI

Jordan23ww — Sun, 12 Feb 2023 00:34:59 GMT

@Anonymalous wrote:
Now you can buy that 120" TV!

@Anonymalous Lol!

Re: Absolutely Crazy Best Buy CLI

Jordan23ww — Sun, 12 Feb 2023 00:36:02 GMT

@cashorcharge wrote:
Woohoo! Congratulations on your BB CLI!🥂🎉👏🏼

@cashorcharge thank you!

Re: Absolutely Crazy Best Buy CLI

sto0pyd — Sun, 12 Feb 2023 01:23:30 GMT

Congrats! But because of your post along with COVID boredom (isolattion) I gave my account a shot. I've been at $16k for the past 2 years and really just use the account at Best Buy and wholesale stores. I'm constantly targeted and get 5% back in rewards for using it at Costco and Sams. I called the number and asked for my limit to be increased to $30k. I wasn't instantly approved and they had to transfer my call to some other department to verify my information. I was placed on hold for a few minutes and was approved for $30k. I'm a little surprised because Citi has been mean to me lately. They closed my Wayfair account which had a $20k limit for lack of use, and shortly after, they closed my Macy's account which had a $25k limit.

They pulled Transunion for me (live in CA - Los Angeles)
Income $150k
LMFAO inquiries. 12 inquiries in the past 12 months; 7 in the past 6 months.
5/12, new accounts.
1% utilization.
CK has my TU score at 780.

Re: Absolutely Crazy Best Buy CLI

Jordan23ww — Sun, 12 Feb 2023 01:41:37 GMT

@sto0pyd wrote:
Congrats! But because of your post along with COVID boredom (isolattion) I gave my account a shot. I've been at $16k for the past 2 years and really just use the account at Best Buy and wholesale stores. I'm constantly targeted and get 5% back in rewards for using it at Costco and Sams. I called the number and asked for my limit to be increased to $30k. I wasn't instantly approved and they had to transfer my call to some other department to verify my information. I was placed on hold for a few minutes and was approved for $30k. I'm a little surprised because Citi has been mean to me lately. They closed my Wayfair account which had a $20k limit for lack of use, and shortly after, they closed my Macy's account which had a $25k limit.

They pulled Transunion for me (live in CA - Los Angeles)
Income $150k
LMFAO inquiries. 12 inquiries in the past 12 months; 7 in the past 6 months.
5/12, new accounts.
1% utilization.
CK has my TU score at 780.

@sto0pyd thank you! Also that is fantastic! Congratulations on your awesome limit increase! Happy to hear something like this has come out of my sharing my experience!

Re: Absolutely Crazy Best Buy CLI

Meanmchine — Sun, 12 Feb 2023 03:53:17 GMT

Congrats on your monster Citi CLI