topic CITI Costco CLI to $49K in Credit Card Approvals

CITI Costco CLI to $49K

Aim_High — Mon, 19 Jan 2026 23:10:09 GMT

This post is actually for two increases on my CITI Costco Visa. I had a $1K increase on July 17th from $47K to $48K but I had been away from the forums at that point. I just received another $1K increase from $48K to $49K. That raises my total Citibank exposure to $98.5K. Recently, CITI has been declining to increase my $49.5K limit on my AAdvantage Executive WEMC due to having maximum exposure, yet they've continued to grant me $1K increases on the Costco card. I'm very curious if they will allow it go to $50K (or beyond) on my next six-month CLI interval.

Until I reached $42K, my Costco card had been getting $1.5K increases in recent years. After $42K, they've still given me $1K increases with no denials, once every six months. Links: $43K; $44K; $45K; $46K; $47K.

Utilization on this card is very light relative to the credit limit. It's my primary gas card mostly and gets several hundred dollars spend a month for gas at Costco. Occasionally, it will get some other charges also but it's been awhile since it's seen four-figure balances. Many years ago, it started life as the AMEX True Earnings Costco and got better spend on other categories including Costco, restaurants, and travel before better cards came along.

Re: CITI Costco CLI to $49K

GZG — Mon, 19 Jan 2026 23:12:58 GMT

just need 1 more to hit $50k, we're all pulling for it

congrats!!

Re: CITI Costco CLI to $49K

Gregory1776 — Tue, 20 Jan 2026 00:42:36 GMT

congratulations

Im trying to get my simplicity to get a CLI, its been 6 months now since last open account, but the CITI app hasnt updated with the updated report which i dont know if i need to do.... thoughts? Necessary or nah?

Re: CITI Costco CLI to $49K

911gt34life — Tue, 20 Jan 2026 00:53:45 GMT

congrats

i was thinking of getting it but since 3/6 wont risk it just wait

Re: CITI Costco CLI to $49K

BrutalBodyShots — Tue, 20 Jan 2026 01:16:44 GMT

Nice, @Aim_High!

I suppose this means you passed me in the ACL race and it's now my move to make something happen

Re: CITI Costco CLI to $49K

cashorcharge — Tue, 20 Jan 2026 02:41:47 GMT

Well, guess we'll see if they continue the drip campaign to $100K

Congratulations on your Approval!!👏🏼🍾🥂

Re: CITI Costco CLI to $49K

JoeRockhead — Tue, 20 Jan 2026 13:45:40 GMT

Well done, congratulations on your bump, and new limit!

Re: CITI Costco CLI to $49K

Aim_High — Tue, 20 Jan 2026 18:37:49 GMT

@GZG wrote:
just need 1 more to hit $50k, we're all pulling for it
congrats!!
= = = = = = = = = = = = = = =
@Gregory1776 wrote:
congratulations
Im trying to get my simplicity to get a CLI, its been 6 months now since last open account, but the CITI app hasnt updated with the updated report which i dont know if i need to do.... thoughts? Necessary or nah?
= = = = = = = = = = = = = = =
@911gt34life wrote:
congrats
i was thinking of getting it but since 3/6 wont risk it just wait

Thanks very much @GZG, @Gregory1776, and @911gt34life!

Yes, it would be nice to hit $50K with the Costco, @GZG but that $500 on the AA card away from $50K is just annoying!!

From my experience, @Gregory1776, it never hurts to try for the CLI with CITI. I've always seen the "Request CLI" option on my cards and it's just a soft pull request. Worst case, they have denied it and if the account is otherwise eligible except for recent increases, they even tell me the date I can request another!

Not sure if 3/6 would keep you from approval, @911gt34life, but probably safer to garden a little longer. Citi is moderately conservative, IMO about recent credit-seeking.

Re: CITI Costco CLI to $49K

Aim_High — Tue, 20 Jan 2026 19:56:13 GMT

@BrutalBodyShots wrote:
Nice, @Aim_High!
I suppose this means you passed me in the ACL race and it's now my move to make something happen
= = = = = = = = = = = = = = =
@cashorcharge wrote:
Well, guess we'll see if they continue the drip campaign to $100K
Congratulations on your Approval!!👏🏼🍾🥂
= = = = = = = = = = = = = = =
@JoeRockhead wrote:
Well done, congratulations on your bump, and new limit!

Thanks very much @BrutalBodyShots, @cashorcharge, and @JoeRockhead!

Yes, continuing the "drip campaign" @cashorcharge! Per your >recent thread about CITI maximum TCL<, several of us seem to be hitting roughly $100K caps on credit with the exception of one report combined personal/business of $125K. That would leave me $1500 worth of CLI to go at most before I start getting denied if that pattern plays out.

Well, I hadn't thought about it until you mentioned it @BrutalBodyShots but you are correct! I just posted in >your ACL thread< but this puts me $23 ahead of you!

Re: CITI Costco CLI to $49K

BrutalBodyShots — Tue, 20 Jan 2026 20:35:14 GMT

@Aim_High wrote:
Well, I hadn't thought about it until you mentioned it @BrutalBodyShots but you are correct! I just posted in >your ACL thread< but this puts me $23 ahead of you!

I had a feeling! I'll have to see who I can squeeze a little something out of in the upcoming months to keep the battle going

Re: CITI Costco CLI to $49K

Copenix — Wed, 21 Jan 2026 08:53:45 GMT

Very nice. Congrats on your CLIs.

Re: CITI Costco CLI to $49K

Aim_High — Tue, 27 Jan 2026 03:00:35 GMT

@Copenix wrote:
Very nice. Congrats on your CLIs.

Thanks very much, @Copenix!

Re: CITI Costco CLI to $49K

LivingTheAmericanDream — Tue, 27 Jan 2026 04:33:22 GMT

Congrats on the sweet CL/CLI! 👍

Re: CITI Costco CLI to $49K

Aim_High — Mon, 02 Feb 2026 03:27:56 GMT

@LivingTheAmericanDream wrote:
Congrats on the sweet CL/CLI! 👍

Thanks so much @LivingTheAmericanDream!