topic Re: Citi DC CLI timeline question in Credit Card Applications

Citi DC CLI timeline question

Ficoproblems247 — Sat, 08 Feb 2020 15:58:48 GMT

I was denied for a CLI on my DC, reason stating that my account has not been open long enough to be considered for an increase. My 3rd statement cut a few weeks ago and I waited on my EQ Bankcard FICO 8 to update on Citi's site, as I saw a 67 point increase this month. I've seen folks get CLIs at 91, and sometimes even 61 days after account opening. Just curious if their CLI timeline was a YMMV situation? I have had SP language since the day I opened my account and it still remains. It looks like a "No harm, no foul" type thing where they're just telling me I'm too early I guess? My plan was to keep trying after each new statement cuts until I either see some luv, or a profile related reason for a denial. Just curious if anyone else had a similar experience, and how long it took for Citi to show you some luv?

Card opened 10/16/19, CL $1,000.
EQ bankcard 8 at the time of approval: 664.

Current bankcard 8: 732.
(Scores per Citi's site. I'm also assuming this is the score they're using to gauge my profile.)

Re: Citi DC CLI timeline question

Andypanda — Sat, 08 Feb 2020 16:28:53 GMT

6 months/181 days

Re: Citi DC CLI timeline question

Ficoproblems247 — Sat, 08 Feb 2020 16:38:56 GMT

Mannnnnnnnnn. I hate waiting! 😭 Thanks for the info! Much appreciated!

Re: Citi DC CLI timeline question

FinStar — Sat, 08 Feb 2020 16:46:27 GMT

The initial timeline from account opening is definitely a YEMV thing. Some have been able to obtain a SP CLI before the first 6 months, while others have to wait, which is perfectly ok.

The good thing is that your initial attempt doesn't reset the clock, but I'd wait until your account hits the 6-month mark and try again. If/once approved, then it typically follows a 6-month cadence.

Re: Citi DC CLI timeline question

Remedios — Sat, 08 Feb 2020 17:17:48 GMT

My first CLI (and the only one because new card) happened right after 2nd statement. Card was opened on 11/20 and CLI was last week, so a little bit over 8 weeks.

Re: Citi DC CLI timeline question

FinStar — Sat, 08 Feb 2020 17:44:06 GMT

@Remedios wrote:
My first CLI (and the only one because new card) happened right after 2nd statement. Card was opened on 11/20 and CLI was last week, so a little bit over 8 weeks.

Yes, @Remedios obtained her 'early' SP CLI, because Citi felt she was special ❤️😁

Re: Citi DC CLI timeline question

Remedios — Sat, 08 Feb 2020 17:45:19 GMT

I am special 👸

Re: Citi DC CLI timeline question

Ficoproblems247 — Sat, 08 Feb 2020 17:59:41 GMT

Well considering I was somewhat subprime when they approved me I'm sure I fall quite a bit lower on the "specialness" totem, haha. I am just great full that Citi played a part in my rebuild as I feel it's a great card. I'll use it, pay it, and I'm sure in time they'll warm up to me with my increase in scores. Thanks, everyone for your DPs!

Re: Citi DC CLI timeline question

SFLSpotter9210 — Sat, 08 Feb 2020 23:25:06 GMT

My personal experience was 61 days from opening on all 3 of my cards. I was actually approved for 4 total Citi cards 3 core and 1 cobranded within 13 days on January 17-February 1st 2019. Good luck with your journey 👍.

Re: Citi DC CLI timeline question

FICOnoob2020 — Mon, 17 Feb 2020 02:49:14 GMT

On my new Citi DC card, I made SP requests a week after the third statement and a week

prior to the fifth statement. Both were declined.

The day the fifth statement cycle closed I was given a 40% increase without making another request. Go figure.

I tried another SP request the next day and was denied.

I have not made a single purchase with the card, using it exclusively for no-fee BTs thus far. Max reported utilization was 68%, min reported utilization was 28%, and it was sitting at 38% at the time of the increase.

I signed up and completed a "make 3 automatic payments for a $50 statement credit" promotion while I am slowly/steadily paying down the balance toward zero by month nine.

Sorry to ramble. Hope this info is helpful!

Re: Citi DC CLI timeline question

Ficoproblems247 — Mon, 17 Feb 2020 03:22:12 GMT

@FICOnoob2020 wrote:
On my new Citi DC card, I made SP requests a week after the third statement and a week
prior to the fifth statement. Both were declined.

The day the fifth statement cycle closed I was given a 40% increase without making another request. Go figure.

I tried another SP request the next day and was denied.

I have not made a single purchase with the card, using it exclusively for no-fee BTs thus far. Max reported utilization was 68%, min reported utilization was 28%, and it was sitting at 38% at the time of the increase.

I signed up and completed a "make 3 automatic payments for a $50 statement credit" promotion while I am slowly/steadily paying down the balance toward zero by month nine.

Sorry to ramble. Hope this info is helpful!

Don't be sorry, any DPs from anyone are always welcome at any time. Thanks for posting! My 4th statement cuts Tuesday so I'll give it another go on Wednesday. My plan is to try the day after my statement cuts every month until they either cave in and hook me up with big money, or tell me "No luv for you!" for an actual profile related reason and not just because my account hasn't been open long enough. We'll see how it all goes. Maybe you'll see me posting up on the approval forums on Wednesday, maybe I'm destined to click a button every month for 3 more years and see how many denial letters I can rack up in my online import documents folder. Only time will tell!

Re: Citi DC CLI timeline question

FICOnoob2020 — Mon, 17 Feb 2020 05:07:31 GMT

Congrats on the major score improvement and best of luck with your requests! It sounds like you have a pretty firm grasp on this stuff.

My first denial was listed as the account being too new. It was about 100 days old at the time.

The second and third denials mentioned too many new accounts (three in September, two in October, one in February) which seems fair enough.

Re: Citi DC CLI timeline question

Anonymous — Thu, 20 Feb 2020 02:02:01 GMT

On my Doublecash I applied and received my first CLI at just under 4 months.

Re: Citi DC CLI timeline question

CerebralZulu — Mon, 25 May 2020 13:18:19 GMT

@Andypanda wrote:
6 months/181 days

Is this the timeline for approval or denial?