topic Re: Approved for Citi Strata Elite but question in Credit Card Approvals

Approved for Citi Strata Elite but question

nccarguy1 — Sat, 09 Aug 2025 00:44:28 GMT

I currently have a Citi Prestige card (SP Yesterday for $7k) and an AA card. Just app'd for Strata Elite. Got an immediate message to call 866-606-2787 for additional verification. Called and entered last 4 of Social and got message that my application

was approved for $21,900. When I add all CL with Citi it is $99,900 which I assume is internal limit without tax returns? I know Citi does not do CL allocations but would love to move CL from AA to Elite. Any experience with that happening?

Re: Approved for Citi Strata Elite but question

CreditMagic7 — Sat, 09 Aug 2025 01:34:40 GMT

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Re: Approved for Citi Strata Elite but question

NoHardLimits — Sat, 09 Aug 2025 01:43:08 GMT

Citi used to allow moving some credit limits when in the process of closing an account, but as far as I know that hasn't been the case for many years. I would be interested in hearing some more recent data points to see if there has been any policy change.

Re: Approved for Citi Strata Elite but question

nccarguy1 — Sat, 09 Aug 2025 02:01:51 GMT

That's what I thought. I'm going to try underwriting tomorrow to test. Anyone know direct number?

Re: Approved for Citi Strata Elite but question

NoHardLimits — Sat, 09 Aug 2025 02:45:56 GMT

@nccarguy1 wrote:
That's what I thought. I'm going to try underwriting tomorrow to test. Anyone know direct number?

Tomorrow is Saturday. Might want to wait until Monday for more senior staffing.

Re: Approved for Citi Strata Elite but question

LivingTheAmericanDream — Sat, 09 Aug 2025 03:54:56 GMT

Congrats on the new card! Enjoy 🤙

Re: Approved for Citi Strata Elite but question

TrapLine — Sat, 09 Aug 2025 12:50:39 GMT

@NoHardLimits

Confirm your post. Citi has been very good about reallocation upon card account closure but nothing more.

Will add, they used to require a $500 credit limit on the closed account (dedcuted from the credlit limit to be reallocated) based on my own experiences which are several. Also, have read over time that Citi has required $1000 credit limit to remain upon account closure (long time back).

Re: Approved for Citi Strata Elite but question

Yasselife — Sat, 09 Aug 2025 13:30:33 GMT

Congratulations! @nccarguy1

Sounds like Citi gave you a solid SL on the Strata Elite. That $99,900 total CL definitely looks like you’re brushing up against their internal cap without tax docs. From what I’ve seen, Citi won’t do a straight CL reallocation like Amex or Chase, so moving AA’s limit over might be tough. Still, it’s worth a quick call to see if they’ll consolidate by closing AA and shifting part of the line. Worst they can say is no.

Re: Approved for Citi Strata Elite but question

Copenix — Sun, 10 Aug 2025 15:42:03 GMT

Good for you. Congrats on your Strata approval.