topic Re: Citi CLI? in Credit Card Applications

Citi CLI?

Harvey26 — Sat, 29 May 2021 01:03:58 GMT

I requested a Citi CLI and got denied due too many new accounts. Depsite spending well over 20K on the card in my first 8 months of having the card. Any tips on getting a CLI outside of high spend and large payments which I already am doing. How long to wait before I might be eligible. EQ 9 782

Re: Citi CLI?

AverageJoesCredit — Sat, 29 May 2021 01:07:32 GMT

@Harvey26 wrote:
I requested a Citi CLI and got denied due too many new accounts. Depsite spending well over 20K on the card in my first 8 months of having the card. Any tips on getting a CLI outside of high spend and large payments which I already am doing. How long to wait before I might be eligible. EQ 9 782

Was this cli attempt sp or hp?

Re: Citi CLI?

Remi1 — Sat, 29 May 2021 02:30:55 GMT

@AverageJoesCredit wrote:
@Harvey26 wrote:
I requested a Citi CLI and got denied due too many new accounts. Depsite spending well over 20K on the card in my first 8 months of having the card. Any tips on getting a CLI outside of high spend and large payments which I already am doing. How long to wait before I might be eligible. EQ 9 782
Was this cli attempt sp or hp?

In my experience, Citi CLIs are always SP. Is this not their common practice?

Re: Citi CLI?

FinStar — Sat, 29 May 2021 02:33:16 GMT

@Remi1 wrote:
@AverageJoesCredit wrote:
@Harvey26 wrote:
I requested a Citi CLI and got denied due too many new accounts. Depsite spending well over 20K on the card in my first 8 months of having the card. Any tips on getting a CLI outside of high spend and large payments which I already am doing. How long to wait before I might be eligible. EQ 9 782
Was this cli attempt sp or hp?
In my experience, Citi CLIs are always SP. Is this not their common practice?

Not always. Citi can provide the option for a SP CLI *if* the account is eligible. Otherwise, there's the option to request it via HP if the SP language isn't present.

Re: Citi CLI?

Curious_George2 — Sat, 29 May 2021 05:10:37 GMT

Not sure this applies to you, but IME, they *said* they were denying my CLI requests for too many new accounts, but I also happened to be carrying a balance on my Citi cards (don't remeber the amount... maybe $2k?). When I paid that down to zero, they immediately started approving CLI's, despite the fact that my new accounts were still present.

Re: Citi CLI?

babygirl1256 — Sat, 29 May 2021 06:34:47 GMT

@Harvey26 Does Citi allow recons? If so, have you tried to call and speak with a Customer Service Representative? Wishing you success in obtaining your requested Citi CLI.

Re: Citi CLI?

Harvey26 — Sat, 29 May 2021 09:35:05 GMT

@AverageJoesCredit SP

Re: Citi CLI?

Harvey26 — Sat, 29 May 2021 09:35:42 GMT

@Curious_George2 Nope not carrying a balance i PIF every month

Re: Citi CLI?

Harvey26 — Sat, 29 May 2021 09:36:57 GMT

@babygirl1256 Tries this they said do to the reason they could do a recon I even said they could do a HP

Re: Citi CLI?

KatSoDak — Sat, 29 May 2021 16:04:00 GMT

My DPs on Citi Simplicity Card:

Opened 8/2019 with SL of $6,900

Did a balance transfer of $2,800 to card

Paid $150 monthly for 18+ months

Asked for CLI on 2/2020 - SL raised to $10,900

Asked for CLI on 12/2020 - SL raised to $13,900

Last BT payment made 4/1/2020

Asked for CLI on 5/2020 - SL raised to $15,900

All were SP

Current balance $0

Multiple current BT offers

Current Fico from Citi 803

Ive opened 10 cards since this Citi card

Inquiries are high, especially on EX

Income under 75k

Citi has been good to me. WF also has been steady with CLIs. Meanwhile BofA will not give me a CLI.

Re: Citi CLI?

AverageJoesCredit — Sat, 29 May 2021 16:22:41 GMT

@KatSoDak wrote:
My DPs on Citi Simplicity Card:

Opened 8/2019 with SL of $6,900
Did a balance transfer of $2,800 to card
Paid $150 monthly for 18+ months
Asked for CLI on 2/2020 - SL raised to $10,900
Asked for CLI on 12/2020 - SL raised to $13,900
Last BT payment made 4/1/2020
Asked for CLI on 5/2020 - SL raised to $15,900
All were SP
Current balance $0
Multiple current BT offers
Current Fico from Citi 803
Ive opened 10 cards since this Citi card
Inquiries are high, especially on EX
Income under 75k

Citi has been good to me. WF also has been steady with CLIs. Meanwhile BofA will not give me a CLI.

Your experience will not be that of Ops. Every profile is different. If Op already spent 20k , he is fulfilling high spend requirement but Citi is not liking sonething not to offer sp. I havent gotten any cli from Citi in years, sp or hp.

@Harvey26 only real route to go is get them to hp, plead you case with your recent history and tell them why you need more. Good luck 👍

Re: Citi CLI?

KatSoDak — Sat, 29 May 2021 17:29:16 GMT

I realize all profiles are different.

My intent in providing DPs was to show that Citi will give CLIs to people with lots of inquiries even if we don't spend much. IOW if you are reading this and are discouraged by OPs situation know that it might be different for you.

Re: Citi CLI?

Harvey26 — Sat, 29 May 2021 20:42:32 GMT

@KatSoDak I did recieve a CLI initially which was an additonal HP but they would only go up to an extra 5K and I have been stuck ever since. Will try calling and speaking with a manager and see what happens

Re: Citi CLI?

SouthJamaica — Sat, 29 May 2021 21:38:20 GMT

@Curious_George2 wrote:
Not sure this applies to you, but IME, they *said* they were denying my CLI requests for too many new accounts, but I also happened to be carrying a balance on my Citi cards (don't remeber the amount... maybe $2k?). When I paid that down to zero, they immediately started approving CLI's, despite the fact that my new accounts were still present.

In my experience, they are stuck on giving you a single reason for the denial even though it is not actually the reason. Lately they've been denying me for "too many recent inquiries" even though my number of recent inquiries is less than what it was when they were granting me a CLI every 6 months. I'm sure the real reason is that I presently have significantly higher revolving utilization.

Re: Citi CLI?

KatSoDak — Sun, 30 May 2021 16:27:22 GMT

@Harvey26 wrote:
@KatSoDak I did recieve a CLI initially which was an additonal HP but they would only go up to an extra 5K and I have been stuck ever since. Will try calling and speaking with a manager and see what happens

Well at least you know they will give you a CLI. Maybe it's just a matter of time before you get another. Maybe a manager can speed things along.

Re: Citi CLI?

Anonymous — Sun, 30 May 2021 18:31:19 GMT

How many new accounts in 3/6/12 months? Citi can indeed be sensitive to new accounts and inquiries when you ask for a CLI. After my three card spree this month I'm expecting to not be able to get a CLI from them for 6 more months.

Re: Citi CLI?

SweetCreditObsession — Mon, 31 May 2021 17:37:28 GMT

I've never seen that before. Do you have any other new cards in the last 12 months? Some banks like BofA and Disco pulled that on me last year based on my profile. I'd gotten three new cards around the same time. I know this because other users reported getting CLI prior to the new card turning 12 months old.

Re: Citi CLI?

Harvey26 — Mon, 31 May 2021 18:37:46 GMT

@Anonymous 31/12 for inqs and 6/12 for accounts.

Re: Citi CLI?

Anonymous — Mon, 31 May 2021 19:09:04 GMT

@Harvey26 wrote:
@Anonymous 31/12 for inqs and 6/12 for accounts.

Yeah I would expect them to open up after some gardening time. 31/12 is a lot of credit seeking. How many of those 6 new accounts in the last 6 months? My experience with them so far has shown they care much more about that 6 months than they do 12 or 24.

Re: Citi CLI?

Harvey26 — Tue, 01 Jun 2021 19:55:04 GMT

@Anonymous So I am 6/6 and yeah the inquires came from refinancing car and was going to refinance home but deciding to sell and go to another city. But no more accounts for me I guess I will garden until the end of the year and see if anything changes might still give phone call a shot.