topic Re: What were your Citi HP CLI results? in Credit Card Applications

What were your Citi HP CLI results?

Anonymous — Wed, 06 Sep 2017 22:16:34 GMT

For those that DID take a HP CLI on their Citi card, what were your results?

What type of Citi card was it?
What was your SL and had you received a SP CLI prior?
How long did you have your account prior to requesting a HP CLI?
What credit limit did you request and did you get what you requested, or were you countered with a lesser amount?
What was your typical monthly spend on the card?
Any other data such as income, utilization and so on is welcome.

Re: What were your Citi HP CLI results?

GeorgiaBulldog — Thu, 07 Sep 2017 04:56:00 GMT

Citi Double Cash
SL: $3600
Had my account for just a month or two at the most, so no prior SP CLI.
Requested $17500. Was given $8400.
Spent a few hundred a month at the time.
Utilization was probably very low, likely 1% or less. Won't give exact income figures but my debt to income ratio is quite high thanks to student loans.
Credit scores generally in the 760-780 range around that time.

Re: What were your Citi HP CLI results?

iheartwings — Thu, 07 Sep 2017 05:10:12 GMT

@Anonymous wrote:
For those that DID take a HP CLI on their Citi card, what were your results? I took a HP 12 months ago for a CLI with Citi.

What type of Citi card was it? Double Cash
What was your SL and had you received a SP CLI prior? $9500, no offers for SP CLI
How long did you have your account prior to requesting a HP CLI? Approved and opened account in 10/2015. HP CLI request was almost exactly 11 months after account opening
What credit limit did you request and did you get what you requested, or were you countered with a lesser amount? Requested $30k, got $30k
What was your typical monthly spend on the card? This is my go to card for noncategorical spend in the US. Posted balance paid weekly, reports anywhere from $10 to $250 each month.
Any other data such as income, utilization and so on is welcome. At the time I requested the CLI, I still had a BK7 reporting. EQ pulled, FICO8 BE scores in 750s.

Re: What were your Citi HP CLI results?

Anonymous — Thu, 07 Sep 2017 09:10:52 GMT

@Anonymous wrote:
For those that DID take a HP CLI on their Citi card, what were your results?

What type of Citi card was it?- Citi AAdvantage
What was your SL and had you received a SP CLI prior? SL limit was $16,500, no
How long did you have your account prior to requesting a HP CLI? Requested as soon as I activated card
What credit limit did you request and did you get what you requested, or were you countered with a lesser amount? Requested $30K, they gave me a CLI of $9,500 to $25K
What was your typical monthly spend on the card? $0 as I had just received card
Any other data such as income, utilization and so on is welcome.6 digits, utilization 3%

Re: What were your Citi HP CLI results?

Anonymous — Thu, 07 Sep 2017 13:06:27 GMT

Irish and GB, question for both of you. Were the cards you two referenced your only Citi cards at the time, or did you have prior history with Citi? I think this is important because in both of your cases you requested the HP CLIs early on, so if they were your only Citi accounts they were obviously granting those CLIs with much less history as opposed to if you had other, greater aged Citi accounts. I guess I'm trying to gauge here how much history/relationship impacted those CLIs for the two of you.

Thank you for the data thus far everyone!

Re: What were your Citi HP CLI results?

Anonymous — Thu, 07 Sep 2017 13:10:59 GMT

@Anonymous wrote:
Irish and GB, question for both of you. Were the cards you two referenced your only Citi cards at the time, or did you have prior history with Citi? I think this is important because in both of your cases you requested the HP CLIs early on, so if they were your only Citi accounts they were obviously granting those CLIs with much less history as opposed to if you had other, greater aged Citi accounts. I guess I'm trying to gauge here how much history/relationship impacted those CLIs for the two of you.

Thank you for the data thus far everyone!

At the time the AA card was my first and only Citi card.

Re: What were your Citi HP CLI results?

GeorgiaBulldog — Thu, 07 Sep 2017 20:38:26 GMT

The DC was my first and only Citi card.

Re: What were your Citi HP CLI results?

Anonymous — Thu, 07 Sep 2017 21:38:08 GMT

@Anonymous wrote:
For those that DID take a HP CLI on their Citi card, what were your results?

What type of Citi card was it? DC & Dividend
What was your SL and had you received a SP CLI prior? 2.7, 1.9, no
How long did you have your account prior to requesting a HP CLI? 1 yr, 2.5yr
What credit limit did you request and did you get what you requested, or were you countered with a lesser amount? Extra 5k on both, yes
What was your typical monthly spend on the card? 300-700
Any other data such as income, utilization and so on is welcome. 220k/yr, 0%
Same HP used for both