topic Re: CITI AAdvantage Executive WEMC - CLI to $42.5K in Credit Card Approvals

CITI AAdvantage Executive WEMC - CLI to $42.5K

Aim_High — Sun, 28 May 2023 23:52:42 GMT

I just passed six months since my last CITI CLI on my AAdvantage Executive WEMC so I thought I'd try for another. Approved for an additional $7K, bringing my CL up to $42.5K.

This is a very nice increase for the past six months, especially given that my spend has only been light since meeting the $5,500 spend for the SUB. And apparently, this was a soft pull. I requested through the mobile app and just updated my income and housing data. I'm pleased and grateful.

I was a little concerned that it might be denied since I have added (two) personal credit cards and (2) hard EX pulls since my application last October. CITI is known to frown on credit-seeking activity and to deny CLI based on that metric.

(Here) is my original approval for $30.5K and (here) is my first $5K CLI approved at about one month, albeit with another hard pull.

Combined with my CITI Costco ($43K), this raises my total CITI exposure to $85.5K, just behind my total exposure with AMEX ($95K), Bank of America ($99.9K), and Chase ($144.4K).

In other credit news, I've been focusing spend for SUBs for the past few months on my 02/23 Chase IHG (met); 03/23 AMEX Hilton Surpass (almost met); and 03/23 AMEX Marriott Business. And plotting my next moves ... heh heh heh. lol

Re: CITI AAdvantage Executive WEMC - CLI to $42.5K

NoMoreDebt — Sun, 28 May 2023 23:27:09 GMT

congrats on the cli

Re: CITI AAdvantage Executive WEMC - CLI to $42.5K

PayAndProsper — Mon, 29 May 2023 02:04:51 GMT

Congrats! That's a healthy CLI. $42.5k is a nice limit to be working with.

Re: CITI AAdvantage Executive WEMC - CLI to $42.5K

alextercero — Mon, 29 May 2023 05:05:49 GMT

Congrats on the CLI

Re: CITI AAdvantage Executive WEMC - CLI to $42.5K

JoeRockhead — Mon, 29 May 2023 11:14:09 GMT

Outstanding from the start, congratulations on the CLI and growth!

Re: CITI AAdvantage Executive WEMC - CLI to $42.5K

SouthJamaica — Mon, 29 May 2023 11:14:30 GMT

@Aim_High wrote:
I just passed six months since my last CITI CLI on my AAdvantage Executive WEMC so I thought I'd try for another. Approved for an additional $7K, bringing my CL up to $42.5K.

This is a very nice increase for the past six months, especially given that my spend has only been light since meeting the $5,500 spend for the SUB.   And apparently, this was a soft pull. I requested through the mobile app and just updated my income and housing data. I'm pleased and grateful.

I was a little concerned that it might be denied since I have added (two) personal credit cards and (2) hard EX pulls since my application last October.   CITI is known to frown on credit-seeking activity and to deny CLI based on that metric.

(Here) is my original approval for $30.5K and (here) is my first $5K CLI approved at about one month, albeit with another hard pull.

Combined with my CITI Costco ($43K), this raises my total CITI exposure to $85.5K, just behind my total exposure with AMEX ($95K), Bank of America ($99.9K), and Chase ($144.4K).

In other credit news, I've been focusing spend for SUBs for the past few months on my 02/23 Chase IHG (met); 03/23 AMEX Hilton Surpass (almost met); and 03/23 AMEX Marriott Business.   And plotting my next moves ... heh heh heh. lol

Congratulations on the CLI.

Re: CITI AAdvantage Executive WEMC - CLI to $42.5K

Mones — Mon, 29 May 2023 12:12:22 GMT

Congrats on the CLI and massive growth!

Re: CITI AAdvantage Executive WEMC - CLI to $42.5K

FireMedic1 — Mon, 29 May 2023 14:01:14 GMT

Congrats @Aim_High .

Re: CITI AAdvantage Executive WEMC - CLI to $42.

firefox100 — Mon, 29 May 2023 14:03:22 GMT

Congrats on very nice cli from Citi bank enjoy it have fun. If you don't mind what is your reportede income, I have hit a brick wall with my Double cashback mc from Citi bank at 23.6K with a income of 88K thank you.

Re: CITI AAdvantage Executive WEMC - CLI to $42.

CreditMagic7 — Mon, 29 May 2023 16:28:49 GMT

Re: CITI AAdvantage Executive WEMC - CLI to $42.5K

Aim_High — Mon, 29 May 2023 16:56:09 GMT

@NoMoreDebt wrote:
congrats on the cli
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@PayAndProsper wrote:
Congrats! That's a healthy CLI. $42.5k is a nice limit to be working with.
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@alextercero wrote:
Congrats on the CLI
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@JoeRockhead wrote:
Outstanding from the start, congratulations on the CLI and growth!

Thanks very much @NoMoreDebt, @PayAndProsper, @alextercero, @JoeRockhead!

Yes, appreciate the generous limit from CITI and the easy growth!

Re: CITI AAdvantage Executive WEMC - CLI to $42.5K

Aim_High — Mon, 29 May 2023 17:01:24 GMT

@SouthJamaica wrote:
Congratulations on the CLI.
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@Mones wrote:
Congrats on the CLI and massive growth!
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@FireMedic1 wrote:
Congrats @Aim_High .
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@CreditMagic7 wrote:

Thanks very much @SouthJamaica, @Mones, @FireMedic1, @CreditMagic7!

Besides profile differences, I believe this is an example of how certain cards with a lender may grow quite differently.

Re: CITI AAdvantage Executive WEMC - CLI to $42.

Aim_High — Mon, 29 May 2023 17:47:58 GMT

@firefox100 wrote:
Congrats on very nice cli from Citi bank enjoy it have fun. If you don't mind what is your reportede income, I have hit a brick wall with my Double cashback mc from Citi bank at 23.6K with a income of 88K thank you.

Thanks very much, @firefox100.

If you've followed many of my postings, I know you've seen my interest on credit limits so I'll give you some observations beyond simply answering your question. I often hear mention of FICO related to credit limits, but IMO, that serves as a gatekeeper function just to help open the door. And yes, income (or more accurately, money - whether it's income, assets invested, or spend-and-pay patterns) does help with higher credit limits. But don't forget that lenders also consider debt loading relative to that income. A lower income with lower debt might qualify for a higher credit limit than a higher income with higher debt. And overall profile matters also, with thickness and depth of profile as well as other credit limits. Lenders like to approve limits in the range that you've shown you can manage successfully and comfortably. So, for example, if that $23.6K limit with CITI is already your highest overall, they may be reluctant to quickly give you more, especially if your recent usage of that CL isn't high. (CITI does like to see some usage.) Also, how long has your Double Cash been open? And do you have other credit-seeking behavior in the past six months with new accounts or inquiries? CITI may deny based on that factor alone. Finally, and this is just observation on my part and not scientific, but it appears to me that lenders have different SL approval ranges for different card programs, so the same credit profile might get quite different limits on applications for different cards. And likewise, those cards with higher SLs seem to grow easier. With multiple Chase applications, and similar credit profile, I got my highest limits on premium travel cards and lower limits on no-AF cash back cards and that seems to be a pattern with other lenders. And it appears to me that the highest AF cards often get more generous credit limits. Recent approvals have indicated that CITI has been less generous with CLs on some core cards such as Custom Cash, Double Cash, or even Premier than with co-branded cards like the AAdvantage Executive. Prior to closing it to new applications, the SLs on the high-AF Prestige card were often higher also. While most cards can grow well with heavier usage, the AAdvantage Executive seems particularly capable of high growth. It took very heavy spend, but >THIS LINK< shows one of our members grew this card to $250K, one of the highest overall limits I've seen reported. Length of time as a customer and responsible payment history over all accounts may matter; in my case, I've had multiple CITI cards over a couple of decades and my other current CITI card (Costco) has been open since they assumed all the Costco accounts from AMEX in 2016. So I mention all these other factors since sometimes, income isn't enough to swing the pendulum in one's favor.

Your Double Cash CL as a percentage of income is about 26.8%. Is this your only CITI card? If so, I don't think you've hit a cap relative to income as much as some of the other factors I just discussed may be holding you back. With time and regular usage, I believe it can grow further for you.

But back to your question. Household income with myself and DW reported in the mid six-figure range with comparatively low debt.

Re: CITI AAdvantage Executive WEMC - CLI to $42.

firefox100 — Mon, 29 May 2023 18:22:42 GMT

Thank you but I do think that incomeand assets have a big part in the credit limit and how long is your credit history. In my case I have only 2 new accounts in the last year, only 2 inquires one on transunion and another on Experian. The 2 cards that I open is Custom cash from Citi which has a 8K limit and a Paypal mastercard which has a 20K limit which started out at 6.5K with no more then couple of hundred dollars spent each month. The 2 cards wher open in April of last year. also my Fico scores are around 810 on all three reports. What I find interesting how different banks handle ther credit increases wher 2 cards wher open around same time and spend was equal or had put high spend on custom cash but Synchrony has grown faster, and buy the way the intrest rate is lower on the Paypal mc then the Citi card. WE do know how AI works it is black box the banks keep it close to ther chest how they go about it.Fico scores are much less part of equation today then in past

@Aim_High wrote:
@firefox100 wrote:
Congrats on very nice cli from Citi bank enjoy it have fun. If you don't mind what is your reportede income, I have hit a brick wall with my Double cashback mc from Citi bank at 23.6K with a income of 88K thank you.
Thanks very much, @firefox100.

If you've followed many of my postings, I know you've seen my interest on credit limits so I'll give you some observations beyond simply answering your question. I often hear mention of FICO related to credit limits, but IMO, that serves as a gatekeeper function just to help open the door. And yes, income (or more accurately, money - whether it's income, assets invested, or spend-and-pay patterns) does help with higher credit limits. But don't forget that lenders also consider debt loading relative to that income. A lower income with lower debt might qualify for a higher credit limit than a higher income with higher debt. And overall profile matters also, with thickness and depth of profile as well as other credit limits. Lenders like to approve limits in the range that you've shown you can manage successfully and comfortably. So, for example, if that $23.6K limit with CITI is already your highest overall, they may be reluctant to quickly give you more, especially if your recent usage of that CL isn't high. (CITI does like to see some usage.) Also, how long has your Double Cash been open? And do you have other credit-seeking behavior in the past six months with new accounts or inquiries? CITI may deny based on that factor alone. Finally, and this is just observation on my part and not scientific, but it appears to me that lenders have different SL approval ranges for different card programs, so the same credit profile might get quite different limits on applications for different cards. And likewise, those cards with higher SLs seem to grow easier. With multiple Chase applications, and similar credit profile, I got my highest limits on premium travel cards and lower limits on no-AF cash back cards and that seems to be a pattern with other lenders. And it appears to me that the highest AF cards often get more generous credit limits. Recent approvals have indicated that CITI has been less generous with CLs on some core cards such as Custom Cash, Double Cash, or even Premier than with co-branded cards like the AAdvantage Executive. Prior to closing it to new applications, the SLs on the high-AF Prestige card were often higher also. While most cards can grow well with heavier usage, the AAdvantage Executive seems particularly capable of high growth. It took very heavy spend, but >THIS LINK< shows one of our members grew this card to $250K, one of the highest overall limits I've seen reported. Length of time as a customer and responsible payment history over all accounts may matter; in my case, I've had multiple CITI cards over a couple of decades and my other current CITI card (Costco) has been open since they assumed all the Costco accounts from AMEX in 2016. So I mention all these other factors since sometimes, income isn't enough to swing the pendulum in one's favor.

Your Double Cash CL as a percentage of income is about 26.8%. Is this your only CITI card? If so, I don't think you've hit a cap relative to income as much as some of the other factors I just discussed may be holding you back. With time and regular usage, I believe it can grow further for you.

But back to your question. Household income with myself and DW reported in the mid six-figure range with comparatively low debt.

years.

Re: CITI AAdvantage Executive WEMC - CLI to $42.

Aim_High — Mon, 29 May 2023 18:49:23 GMT

@firefox100 wrote:
Thank you but I do think that incomeand assets have a big part in the credit limit and how long is your credit history. In my case I have only 2 new accounts in the last year, only 2 inquires one on transunion and another on Experian. The 2 cards that I open is Custom cash from Citi which has a 8K limit and a Paypal mastercard which has a 20K limit which started out at 6.5K with no more then couple of hundred dollars spent each month. The 2 cards wher open in April of last year. also my Fico scores are around 810 on all three reports. What I find interesting how different banks handle ther credit increases wher 2 cards wher open around same time and spend was equal or had put high spend on custom cash but Synchrony has grown faster, and buy the way the intrest rate is lower on the Paypal mc then the Citi card. WE do know how AI works it is black box the banks keep it close to ther chest how they go about it.Fico scores are much less part of equation today then in past years.

Oh, undoubtedly income is an important factor in most cases. I was just pointing out there are a lot of other variables. With the $8K CCC combined with the DC, your CITI exposure is 35.9% ($31.6/$88). What is your monthly debt-to-income ratio? (Total debt payments for mortage/rent, auto loans, student loans, credit cards divided by gross monthly income.) Depending on debt loading and how much of that credit limit you're using, I suppose it is possible you're reaching a limit with CITI on total exposure relative to income. Many lenders will set a ratio of total CL/Income at 30-40-50%, for example. I don't know of specific data points with CITI but they seem to err towards the lower end for most consumers.

Re: CITI AAdvantage Executive WEMC - CLI to $42.5K

PullingMeSoftly — Tue, 30 May 2023 22:55:57 GMT

Nicely done jedi master @Aim_High, congrats!

Re: CITI AAdvantage Executive WEMC - CLI to $42.5K

CreditAggie — Wed, 31 May 2023 04:02:40 GMT

Congratulations on your Citi CLI!

Re: CITI AAdvantage Executive WEMC - CLI to $42.5K

Legally_Speaking2512 — Wed, 31 May 2023 08:33:01 GMT

Nice bump for sure - CONGRATS!! 🎉🎉

Re: CITI AAdvantage Executive WEMC - CLI to $42.5K

MartyWrite75 — Wed, 31 May 2023 12:01:43 GMT

Wow! Congratulations on your CLI!

Re: CITI AAdvantage Executive WEMC - CLI to $42.5K

Aim_High — Sat, 24 Jun 2023 19:46:36 GMT

@PullingMeSoftly wrote:
Nicely done jedi master @Aim_High, congrats!
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@CreditAggie wrote:
Congratulations on your Citi CLI!
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@Legally_Speaking2512 wrote:
Nice bump for sure - CONGRATS!! 🎉🎉
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@MartyWrite75 wrote:
Wow! Congratulations on your CLI!

Thanks so much, @PullingMeSoftly, @CreditAggie, @Legally_Speaking2512, @MartyWrite75.

Apologies for the late reply, everyone. I had some vacation time and other personal distractions so have been idle from the forums in recent weeks.

As always, thanks for the kind "jedi master" reference, @PullingMeSoftly. While I'm still actively modifying my credit profile, I'm trying to slow down some after my gardening break, but the credit force is strong!!!