topic Re: Citi CLI's in Credit Card Applications

Citi CLI's

Anonymous — Fri, 10 Mar 2017 18:13:31 GMT

Anyone try for CLI's within first month of approval and would it be soft pull?

Thanks

Re: Citi CLI's

Anonymous — Fri, 10 Mar 2017 18:41:52 GMT

There's one recent post about someone getting a SP increase quickly. Can't remember if it was under one month, but I'm almost certain it wasn't quite 2. It is normally not that quick with them, though

Re: Citi CLI's

K-in-Boston — Fri, 10 Mar 2017 20:12:41 GMT

I got a $1200 SP CLI at about 90 days on Diamond Preferred. I thought that was fast.

Re: Citi CLI's

Anonymous — Fri, 10 Mar 2017 20:27:18 GMT

It depends, if they ask you what's your desire CLI, then its a soft pull. Otherwise, HP

Re: Citi CLI's

Anonymous — Fri, 10 Mar 2017 22:25:02 GMT

Yeah it asks for desired amount and income. I'll wait and play the 6 month game if need be, but if SP is available now I'd want to jump on it.

Re: Citi CLI's

Anonymous — Sat, 11 Mar 2017 02:00:02 GMT

From my own experience I got a bit brave and pulled the trigger a month early on my DC asking for a cli in less than 5 months. I was instantly approved for a 1200 increase(my original limit was 700 increased to 1900) they said I could ask for more at the cost of a pull. I asked for 1100 and was approved.

Don't know if that helps at all, but that how it worked for me. I did use the card pretty heavyou and PIF every month. YMMV may vary, of course but the 6 month threshold seems more like a guideline than a rule.

Re: Citi CLI's

GetMeSlick — Sat, 11 Mar 2017 13:31:48 GMT

i always look for the words "credit report will not be pulled for this request". then straight away , i will go and submit for cli.

On my citi dc card, i think i received the first CLI in less than 60 days. but after that, my second cli approval came more than 180 days later.

Re: Citi CLI's

K-in-Boston — Sat, 11 Mar 2017 16:48:41 GMT

@Anonymous wrote:
It depends, if they ask you what's your desire CLI, then its a soft pull. Otherwise, HP

For my wife and I at least, this is the other way around. Right now, mine says:

It's easy to find out if you qualify for a credit limit increase. A credit bureau report will not be requested and you will receive an instant decision.

Personal Information

* Total Annual Income:

* Monthly Mortgage/Rent Payment:

For a hard pull, it states that a report will be requested and asks for a specific requested amount. Another thing to keep in mind is that even if the soft pull language above is there, Citi will not grant a SP CLI if you have received a CLI in the past 6 months.

Re: Citi CLI's

Anonymous — Sun, 12 Mar 2017 09:36:55 GMT

I will wait

Re: Citi CLI's

UncleB — Mon, 13 Mar 2017 07:13:28 GMT

@K-in-Boston wrote:
@Anonymous wrote:
It depends, if they ask you what's your desire CLI, then its a soft pull. Otherwise, HP
For my wife and I at least, this is the other way around. Right now, mine says:

It's easy to find out if you qualify for a credit limit increase. A credit bureau report will not be requested and you will receive an instant decision.

Personal Information
* Total Annual Income:
* Monthly Mortgage/Rent Payment:

For a hard pull, it states that a report will be requested and asks for a specific requested amount. Another thing to keep in mind is that even if the soft pull language above is there, Citi will not grant a SP CLI if you have received a CLI in the past 6 months.

Same here... for the SP CLI it gave me a set amount; if I wanted to specify the amount (i.e. ask for more) it would be a HP per the disclosure.

Re: Citi CLI's

Anonymous — Mon, 13 Mar 2017 11:04:25 GMT

@Anonymous wrote:
It depends, if they ask you what's your desire CLI, then its a soft pull. Otherwise, HP

Opposite of this actually. If it asks for requested amount, that is a HP.

Re: Citi CLI's

Anonymous — Wed, 15 Mar 2017 01:43:32 GMT

@Anonymous wrote:
Anyone try for CLI's within first month of approval and would it be soft pull?

Thanks

I recently received a 3 month SP CLI for $1500.

Re: Citi CLI's

Anonymous — Wed, 15 Mar 2017 03:24:58 GMT

I'll check back in a couple months. It's my first Citi card and is my second smallest limit card. I knew it would be but just wanted to get my foot in the door and build history with them for now, so it's ok.

Re: Citi CLI's

Anonymous — Thu, 16 Mar 2017 13:50:52 GMT

Oh hey, do they counter offer if you overshoot an amount?

Re: Citi CLI's

garagebandking — Thu, 16 Mar 2017 14:30:36 GMT

Received a sp cli of 1500 at around the 90 day mark with minimal usage.

Just pay attention to the verbiage on the cli page

Re: Citi CLI's

Jerry45 — Thu, 16 Mar 2017 15:43:05 GMT

@garagebandking wrote:
Received a sp cli of 1500 at around the 90 day mark with minimal usage.

Just pay attention to the verbiage on the cli page

I also received a CLI after 90 days on my Simplicity in the last weeks.. It is still showing the soft pull link though.

Has anyone ever got another SP CLI right away, or is a lock for denial until the 6 month mark?

Re: Citi CLI's

Anonymous — Fri, 14 Apr 2017 01:20:04 GMT

Hey guys just a datapoint. I've had the card for about 6 weeks and just did another round of apps before a nice long garden except for any awesome offers that may pop up, so I figured I'd just give the HP a go. Requested 10k and 2 Hours later success. SL 3400. As a Citi newb I am happy. EQ 754 and ran only about 600~ through the card last month for various around town charges and PIF the day the statement cut.

Now my only low limit card is Barclay from a CLD which I will cancel tomorrow.

Re: Citi CLI's

Anonymous — Fri, 14 Apr 2017 01:23:01 GMT

I was honestly surprised and did not expect it, I expected a counteroffer.

Re: Citi CLI's

AverageJoesCredit — Fri, 14 Apr 2017 02:21:33 GMT

Im sure that 754 EQ helped

Re: Citi CLI's

Anonymous — Fri, 14 Apr 2017 02:44:49 GMT

Thanks man. I wasn't sure how it would go since I know they are conservative with newbs. Took them 2 1/2 years to let me in and got the card just planning to have it be a stepping stone within Citi, turns out I'll actually keep the card.