topic Re: Citi Card 2x Credit Increase Exploit in Credit Card Applications

Citi Card 2x Credit Increase Exploit

Anonymous — Wed, 12 Jan 2022 16:54:05 GMT

Hello,

Just thought I would share something interesting that I've been able to replicate a few times now with my Citi Best Buy Visa card and Home Depot store card.

If you request a CLI, and it is approved, quickly go back to request a second CLI exactly the same as the first. I've done this every time I've had a CLI approved through Citi, and it has worked every time. Trying a third time results in a 7-10 day message and then you can't access the CLI rqeuest page for a while.

Anyway, I was just able to get my Best Buy card increased to 15k from 10k with 2x $2500 increase requests. I'd love to hear if this works for others.

Full disclosure, I first did this probably over 2 years ago, and it still works, but use this trick at your own risk of making Citi mad at you

Re: Citi Card 2x Credit Increase Exploit

Anonymous — Wed, 12 Jan 2022 18:59:50 GMT

@Anonymous wrote:
Hello,

Just thought I would share something interesting that I've been able to replicate a few times now with my Citi Best Buy Visa card and Home Depot store card.

If you request a CLI, and it is approved, quickly go back to request a second CLI exactly the same as the first. I've done this every time I've had a CLI approved through Citi, and it has worked every time. Trying a third time results in a 7-10 day message and then you can't access the CLI rqeuest page for a while.

Anyway, I was just able to get my Best Buy card increased to 15k from 10k with 2x $2500 increase requests. I'd love to hear if this works for others.

Full disclosure, I first did this probably over 2 years ago, and it still works, but use this trick at your own risk of making Citi mad at you

Well, I had some free time so I broke out my Best Buy Visa card, and went on line. I have not had a CLI on that card ever but it is only about 7 or 8 months old. I was sure it would not work. So I did as you said, my line was $8,000. I filled out the page for the additional $2,500 and hit submit, INSTANT approved for $2,500. OK, nothing unsual there, so I hit the "back page" a few times, got back to the increase page, filled it out once again, did the review page right away as you said and hit "submit" INSTANT approved for another $2,500. Then the big test. Sign out and sign back in to see the actual credit line, either $10,500 or $13,000. HHMMM now $13,000. What can I say? LOL, but I am thinking it is a small amount maybe we could have just requested $5,000? who knows. But what you said did work

Thanks

Mark

Re: Citi Card 2x Credit Increase Exploit

jcooks — Wed, 12 Jan 2022 21:06:37 GMT

ugh, I thought this said Chase, now I ended up with double HP and the same credit limit

Re: Citi Card 2x Credit Increase Exploit

Anonymous — Thu, 13 Jan 2022 14:46:07 GMT

@Anonymous wrote:
@Anonymous wrote:
Hello,

Just thought I would share something interesting that I've been able to replicate a few times now with my Citi Best Buy Visa card and Home Depot store card.

If you request a CLI, and it is approved, quickly go back to request a second CLI exactly the same as the first. I've done this every time I've had a CLI approved through Citi, and it has worked every time. Trying a third time results in a 7-10 day message and then you can't access the CLI rqeuest page for a while.

Anyway, I was just able to get my Best Buy card increased to 15k from 10k with 2x $2500 increase requests. I'd love to hear if this works for others.

Full disclosure, I first did this probably over 2 years ago, and it still works, but use this trick at your own risk of making Citi mad at you
Well, I had some free time so I broke out my Best Buy Visa card, and went on line. I have not had a CLI on that card ever but it is only about 7 or 8 months old. I was sure it would not work. So I did as you said, my line was $8,000. I filled out the page for the additional $2,500 and hit submit, INSTANT approved for $2,500. OK, nothing unsual there, so I hit the "back page" a few times, got back to the increase page, filled it out once again, did the review page right away as you said and hit "submit" INSTANT approved for another $2,500. Then the big test. Sign out and sign back in to see the actual credit line, either $10,500 or $13,000. HHMMM now $13,000. What can I say? LOL, but I am thinking it is a small amount maybe we could have just requested $5,000? who knows. But what you said did work
Thanks
Mark

Glad to hear it worked for you, that's awesome!

Re: Citi Card 2x Credit Increase Exploit

Physh1 — Thu, 13 Jan 2022 18:02:13 GMT

@jcooks wrote:
ugh, I thought this said Chase, now I ended up with double HP and the same credit limit

Maybe my coffee hasn't kicked in yet but you cannot request a cli online with Chase.

Re: Citi Card 2x Credit Increase Exploit

M_Smart007 — Thu, 13 Jan 2022 16:11:24 GMT

@Physh1 wrote:
Maybe my coffee hasn't kicked in yet but you cannot request a cli online with Chase.

I must really need coffee, as I am more confused now than ever

Re: Citi Card 2x Credit Increase Exploit

4sallypat — Thu, 13 Jan 2022 16:16:43 GMT

No HP on Citi CLI ???

Re: Citi Card 2x Credit Increase Exploit

Junejer — Thu, 13 Jan 2022 16:41:52 GMT

@jcooks wrote:
ugh, I thought this said Chase, now I ended up with double HP and the same credit limit

Ouch. Sorry for your loss.

Re: Citi Card 2x Credit Increase Exploit

AverageJoesCredit — Thu, 13 Jan 2022 17:14:35 GMT

@Anonymous wrote:
Hello,

Just thought I would share something interesting that I've been able to replicate a few times now with my Citi Best Buy Visa card and Home Depot store card.

If you request a CLI, and it is approved, quickly go back to request a second CLI exactly the same as the first. I've done this every time I've had a CLI approved through Citi, and it has worked every time. Trying a third time results in a 7-10 day message and then you can't access the CLI rqeuest page for a while.

Anyway, I was just able to get my Best Buy card increased to 15k from 10k with 2x $2500 increase requests. I'd love to hear if this works for others.

Full disclosure, I first did this probably over 2 years ago, and it still works, but use this trick at your own risk of making Citi mad at you

Ime Home Depot and Best Buy have always been hp and Citi will only approve you if you qualify for a cli. No tricks about it

Re: Citi Card 2x Credit Increase Exploit

coldfusion — Thu, 13 Jan 2022 17:20:31 GMT

@4sallypat wrote:
No HP on Citi CLI ???

I have the same question, as both the Best Buy and Home Depot cards are Citi Retail Services cards with data points pointing to CLI requests triggering hard pulls. How many hard pulls were there?

Re: Citi Card 2x Credit Increase Exploit

Anonymous — Thu, 13 Jan 2022 18:47:51 GMT

@coldfusion wrote:
@4sallypat wrote:
No HP on Citi CLI ???
I have the same question, as both the Best Buy and Home Depot cards are Citi Retail Services cards with data points pointing to CLI requests triggering hard pulls. How many hard pulls were there?

In my experience, it's one HP. This time it was TU. Generally, they seem to keep a copy of your report on file for about a month or so before needing to do another HP for a CLI request.

Edit: I mean to say one HP per account. I think if you do it across multiple accounts, you will (or at least could) get one HP per account.

Re: Citi Card 2x Credit Increase Exploit

coldfusion — Thu, 13 Jan 2022 19:05:57 GMT

@Anonymous wrote:

@coldfusion wrote:
@4sallypat wrote:
No HP on Citi CLI ???
I have the same question, as both the Best Buy and Home Depot cards are Citi Retail Services cards with data points pointing to CLI requests triggering hard pulls. How many hard pulls were there?

In my experience, it's one HP. This time it was TU. Generally, they seem to keep a copy of your report on file for about a month or so before needing to do another HP for a CLI request.
Edit: I mean to say one HP per account. I think if you do it across multiple accounts, you will (or at least could) get one HP per account.

The 1 HP per account is what I'd expect. What I was specifically wondering is whether or not they made an additional hard pull when attempting to double-dip the same account, and then if they had done so if they later circled back and withdrew the 2nd hard pull.

Re: Citi Card 2x Credit Increase Exploit

Anonymous — Thu, 13 Jan 2022 20:09:03 GMT

@4sallypat wrote:
No HP on Citi CLI ???

It must have been a SP. Both approvals and no HP's on my TU. I also did a Macy's AX CLI about an hour later a SP on that one too. I just ran my TU report and my last HP was a week ago for a BP Visa.

I ran my EQ and EX too just now, no HP's from Citi on them either. (DSNB as they like to be called on the Macys)

Thanks

Mark