topic Re: Citi CLI Denial in Credit Card Applications

Citi CLI Denial

Credit12Fico — Sat, 04 Sep 2021 14:47:25 GMT

Why is Citi giving me such a hard time for DC CLI. Near 800 Fico 8 Bankcard in their mobile app. CLI denied due to too many inquiries on equifax. I'm 0/6, 2/12, 2/24 for inquiries on equifax. This is a joke.

Re: Citi CLI Denial

CreditCuriosity — Sat, 04 Sep 2021 15:41:27 GMT

Do you have inquiries/new accounts on other CRA's? They certainly SP other CRAs as well and also can see new accounts reporting beyond EQ inquiries. Citi has tightened up no doubt, but plenty of CLI's going around depend on accounts/inquiries/income/fico, etc, etc.

Re: Citi CLI Denial

Curious_George2 — Sat, 04 Sep 2021 18:23:34 GMT

Are you carrying a balance on any Citi cards? I was in a very similar situation as you some months ago and got consistent CLI denials from them, allegedly for too many inquiries. I was carrying a balance on a Citi card at the time. I didn't think it was a big deal, because it was less than 30% of the card's limit and it was on a 0% APR offer. But as soon as I paid that off, they started saying yes to my CLI requests.

Re: Citi CLI Denial

Credit12Fico — Sat, 04 Sep 2021 23:45:50 GMT

@Curious_George2 wrote:
Are you carrying a balance on any Citi cards? I was in a very similar situation as you some months ago and got consistent CLI denials from them, allegedly for too many inquiries. I was carrying a balance on a Citi card at the time. I didn't think it was a big deal, because it was less than 30% of the card's limit and it was on a 0% APR offer. But as soon as I paid that off, they started saying yes to my CLI requests.

Interesting. Well the card has a balance on it but I pay it off before the statement cuts.

Re: Citi CLI Denial

Credit12Fico — Sun, 26 Sep 2021 19:29:50 GMT

Well today I put in the same information and the computer spat out a 5K CLI. Was only expecting the usual $1.5K....I wondering if I'm out of the dog house and can app for the Premier?

Re: Citi CLI Denial

FinStar — Sun, 26 Sep 2021 19:47:44 GMT

An approved CLI would be inconsequential to a separate application for a new account. You can definitely roll the dice and see. That said, since you have provided an update on your recent CLI approval, this thread is now locked and closed to new messages.