topic Re: Citi, um, CLI in Credit Card Applications

Citi, um, CLI

Junejer — Tue, 23 Nov 2021 23:15:57 GMT

So, I was on the Citi site today and saw the luv button for the first time since getting the card. Decided to click it and see what happens. They offered to increase my CL from $3000 to $3500. That's gonna be a hard pass. I want to call them to discuss. The number that looks most relevant is 605-331-1698. Is this the proper number for me to call?

Thanks

Re: Citi, um, CLI

unsungivy — Wed, 24 Nov 2021 01:21:54 GMT

@Junejer wrote:
So, I was on the Citi site today and saw the luv button for the first time since getting the card. Decided to click it and see what happens. They offered to increase my CL from $3000 to $3500. That's gonna be a hard pass. I want to call them to discuss. The number that looks most relevant is 605-331-1698. Is this the proper number for me to call?

Thanks

Is hitting the luv button for Citi a hard or soft pull? I was under the impression CLIs for Citi was a HP?

Re: Citi, um, CLI

difringe — Wed, 24 Nov 2021 02:44:19 GMT

@unsungivy wrote:
@Junejer wrote:
So, I was on the Citi site today and saw the luv button for the first time since getting the card. Decided to click it and see what happens. They offered to increase my CL from $3000 to $3500. That's gonna be a hard pass. I want to call them to discuss. The number that looks most relevant is 605-331-1698. Is this the proper number for me to call?

Thanks
Is hitting the luv button for Citi a hard or soft pull? I was under the impression CLIs for Citi was a HP?

it depends on the verbiage you see after clicking the button, below is soft pull verbiage

Re: Citi, um, CLI

FinStar — Wed, 24 Nov 2021 02:48:16 GMT

@unsungivy wrote:
@Junejer wrote:
So, I was on the Citi site today and saw the luv button for the first time since getting the card. Decided to click it and see what happens. They offered to increase my CL from $3000 to $3500. That's gonna be a hard pass. I want to call them to discuss. The number that looks most relevant is 605-331-1698. Is this the proper number for me to call?

Thanks
Is hitting the luv button for Citi a hard or soft pull? I was under the impression CLIs for Citi was a HP?

If the account is eligible, there will be a disclaimer that will indicate SP (as noted in the example upthread)

If the CLI does not meet the needs of an individual, one can ask for more, but it will be HP.

@Junejer-- just beware that if you call and ask for anything higher than what was offered will be processed as a HP.

Re: Citi, um, CLI

Junejer — Sat, 27 Nov 2021 05:09:49 GMT

It was a SP, but ! Citi.

The card doesn't get a lot of usage, but it will get even less going forward. It and Cap1 Venture1 can make little plastic babies in my SD.

EX FICO 8 is over 100 points higher than it was when the card was issued...thought that might matter for something.

Re: Citi, um, CLI

FishingGuy — Wed, 24 Nov 2021 18:35:41 GMT

I usually call, get an automated message, and it's a soft pull.

I believe you are eligible for a credit line increase every six months, but that is one for all Citi credit card accounts not one increase per card.

I often put higher higher usage the month or two before, and pay in full.... my increases have not been great..... but usually around $1,500...
which provides a slow and steady growh.

Re: Citi, um, CLI

Junejer — Wed, 24 Nov 2021 18:50:55 GMT

@FishingGuy wrote:
I usually call, get an automated message, and it's a soft pull.
I believe you are eligible for a credit line increase every six months, but that is one for all Citi credit card accounts not one increase per card.

I often put higher higher usage the month or two before, and pay in full.... my increases have not been great..... but usually around $1,500...
which provides a slow and steady growh.

Haven't asked for or been given a CLI with them in the two years I've had the card. This is not a huge priority. I'll focus on obtaining CSP (can't justify the $550 AF on the CSR), Ink Business Unlimited and CLI on SWPC and Disco.

Re: Citi, um, CLI

Curious_George2 — Wed, 24 Nov 2021 20:29:56 GMT

@FishingGuy wrote:
I usually call, get an automated message, and it's a soft pull.
I believe you are eligible for a credit line increase every six months, but that is one for all Citi credit card accounts not one increase per card.

I often put higher higher usage the month or two before, and pay in full.... my increases have not been great..... but usually around $1,500...
which provides a slow and steady growh.

The part bolded above is not correct. The opposite is true. I have two Citi cards and each of them get a CLI every 180 days. The cyles are about two months apart, so the time between my Citi CLIs is basically: 2 months, 4 months, 2 months, 4 months...

Re: Citi, um, CLI

Adkins — Thu, 25 Nov 2021 03:30:29 GMT

@Curious_George2 wrote:
@FishingGuy wrote:
I usually call, get an automated message, and it's a soft pull.
I believe you are eligible for a credit line increase every six months, but that is one for all Citi credit card accounts not one increase per card.

I often put higher higher usage the month or two before, and pay in full.... my increases have not been great..... but usually around $1,500...
which provides a slow and steady growh.
The part bolded above is not correct. The opposite is true. I have two Citi cards and each of them get a CLI every 180 days. The cyles are about two months apart, so the time between my Citi CLIs is basically: 2 months, 4 months, 2 months, 4 months...

Maybe they're thinking of Amex rules??

Re: Citi, um, CLI

NRB525 — Thu, 25 Nov 2021 15:32:03 GMT

@Junejer wrote:
@FishingGuy wrote:
I usually call, get an automated message, and it's a soft pull.
I believe you are eligible for a credit line increase every six months, but that is one for all Citi credit card accounts not one increase per card.

I often put higher higher usage the month or two before, and pay in full.... my increases have not been great..... but usually around $1,500...
which provides a slow and steady growh.
Haven't asked for or been given a CLI with them in the two years I've had the card. This is not a huge priority. I'll focus on obtaining CSP (can't justify the $550 AF on the CSR), Ink Business Unlimited and CLI on SWPC and Disco.

idk, I guess if it's not a priority, getting the SP $500 added sounds like a win? My multi-year experience with Discover SP CLI, at $500 each, eventually added up to something.

Re: Citi, um, CLI

Junejer — Thu, 25 Nov 2021 20:24:07 GMT

@NRB525 wrote:
@Junejer wrote:
@FishingGuy wrote:
I usually call, get an automated message, and it's a soft pull.
I believe you are eligible for a credit line increase every six months, but that is one for all Citi credit card accounts not one increase per card.

I often put higher higher usage the month or two before, and pay in full.... my increases have not been great..... but usually around $1,500...
which provides a slow and steady growh.
Haven't asked for or been given a CLI with them in the two years I've had the card. This is not a huge priority. I'll focus on obtaining CSP (can't justify the $550 AF on the CSR), Ink Business Unlimited and CLI on SWPC and Disco.
idk, I guess if it's not a priority, getting the SP $500 added sounds like a win? My multi-year experience with Discover SP CLI, at $500 each, eventually added up to something.

It certainly is their prerogative on how they want to handle their relationships. My average CL, excluding Citi, is $19,867. I find $3,500 to be quite a bit out of line with that and not worth my effort to try to grow it. I have a much better chance of getting the CSP with $15K+ SL and getting decent CLI on the other cards in my wallet.

Re: Citi, um, CLI

micvite — Sat, 27 Nov 2021 05:08:56 GMT

@Junejer wrote:
@NRB525 wrote:
@Junejer wrote:
@FishingGuy wrote:
I usually call, get an automated message, and it's a soft pull.
I believe you are eligible for a credit line increase every six months, but that is one for all Citi credit card accounts not one increase per card.

I often put higher higher usage the month or two before, and pay in full.... my increases have not been great..... but usually around $1,500...
which provides a slow and steady growh.
Haven't asked for or been given a CLI with them in the two years I've had the card. This is not a huge priority. I'll focus on obtaining CSP (can't justify the $550 AF on the CSR), Ink Business Unlimited and CLI on SWPC and Disco.
idk, I guess if it's not a priority, getting the SP $500 added sounds like a win? My multi-year experience with Discover SP CLI, at $500 each, eventually added up to something.
It certainly is their prerogative on how they want to handle their relationships. My average CL, excluding Citi, is $19,867. I find $3,500 to be quite a bit out of line with that and not worth my effort to try to grow it. I have a much better chance of getting the CSP with $15K+ SL and getting decent CLI on the other cards in my wallet.

Not to be disrespectful, but look at it from their perspective: you said you barely use the card, so what (Mod cut/edit - the FSR policy and TOS User Guidelines are not optional) do you need more credit on it for? Everyone says citi and cap 1 only give little cli's, which I have experienced as well, but I put heavy spend on them for 3-4 months and was able to double my citi from 4k-8k with 1 CLI running around 6-8k a month on the card. and triple my cap 1 from 1100-3200 by running around 2k a month on it. (this is just 1 increase, while before citi wouldnt grant me one and cap 1 gave me a 100$ increase) the way I see it now is: if you don't use it, you don't need it. basically what amex does with their charge cards as well. now not every bank is like that, but from what I can see is most are... even with disco, if you get an increase they won't give you another one until you've shown them you use that up on a month to month basis.

Edit: just did a CLI for my amex BCED, from 1k-3k, denied for not enough spending. Just goes to prove what I just talked about.