topic Re: Citi CLI upon approval? in Credit Cards

Citi CLI upon approval?

Anonymous — Wed, 11 Mar 2015 22:21:07 GMT

I know that I've read here before that you can call Citi and ask for a CLI based on the original HP at some point after getting approved

Is the time to call right after approval or once you receive the card?

Re: Citi CLI upon approval?

FinStar — Wed, 11 Mar 2015 22:34:14 GMT

IIRC, once you receive the card. I recall some individuals took it up to the EO but were told to wait until card was received. Now, the jury's still out on whether you'd incur a 2nd HP since there were mixed results for folks who leveraged the same HP when approved or incurred a 2nd one.

Re: Citi CLI upon approval?

Anonymous — Wed, 11 Mar 2015 22:40:20 GMT

@FinStar wrote:
IIRC, once you receive the card. I recall some individuals took it up to the EO but were told to wait until card was received. Now, the jury's still out on whether you'd incur a 2nd HP since there were mixed results for folks who leveraged the same HP when approved or incurred a 2nd one.

Oh thanks for the info. Not liking the idea of a second HP. But you need to go the route of the EO and not regular CSRs?

Re: Citi CLI upon approval?

FinStar — Wed, 11 Mar 2015 23:01:31 GMT

@Anonymous wrote:
@FinStar wrote:
IIRC, once you receive the card. I recall some individuals took it up to the EO but were told to wait until card was received. Now, the jury's still out on whether you'd incur a 2nd HP since there were mixed results for folks who leveraged the same HP when approved or incurred a 2nd one.
Oh thanks for the info. Not liking the idea of a second HP. But you need to go the route of the EO and not regular CSRs?

I think some individuals used the EO to avoid the possible 2nd HP but there were also plenty who were contacting front line CSRs (albeit 2nd pull). During the Citi DC 'fever" it seems like there were several successes with obtaining a decent CLI if the SL wasn't flexible enough.

Which Citi CC are you planning on getting?

Re: Citi CLI upon approval?

Anonymous — Wed, 11 Mar 2015 23:07:18 GMT

@FinStar wrote:
@Anonymous wrote:
@FinStar wrote:
IIRC, once you receive the card. I recall some individuals took it up to the EO but were told to wait until card was received. Now, the jury's still out on whether you'd incur a 2nd HP since there were mixed results for folks who leveraged the same HP when approved or incurred a 2nd one.
Oh thanks for the info. Not liking the idea of a second HP. But you need to go the route of the EO and not regular CSRs?
I think some individuals used the EO to avoid the possible 2nd HP but there were also plenty who were contacting front line CSRs (albeit 2nd pull). During the Citi DC 'fever" it seems like there were several successes with obtaining a decent CLI if the SL wasn't flexible enough.

Which Citi CC are you planning on getting?

I got the AA card a little bit ago. Just wondering if I can get more than the $16500 they approved me for or am I just being greedy

Re: Citi CLI upon approval?

Creditaddict — Wed, 11 Mar 2015 23:12:48 GMT

you create an account online and request CLI and it will instantly come back that it couldn't do it automatically but you can request review... more than likely it will be another hp but many successful in doing it and going much larger... like $4-$7k to $15-$25k limits! if they ask enough and don't chicken out!

Re: Citi CLI upon approval?

FinStar — Wed, 11 Mar 2015 23:14:20 GMT

@Anonymous wrote:
@FinStar wrote:
@Anonymous wrote:
@FinStar wrote:
IIRC, once you receive the card. I recall some individuals took it up to the EO but were told to wait until card was received. Now, the jury's still out on whether you'd incur a 2nd HP since there were mixed results for folks who leveraged the same HP when approved or incurred a 2nd one.
Oh thanks for the info. Not liking the idea of a second HP. But you need to go the route of the EO and not regular CSRs?
I think some individuals used the EO to avoid the possible 2nd HP but there were also plenty who were contacting front line CSRs (albeit 2nd pull). During the Citi DC 'fever" it seems like there were several successes with obtaining a decent CLI if the SL wasn't flexible enough.

Which Citi CC are you planning on getting?
I got the AA card a little bit ago. Just wondering if I can get more than the $16500 they approved me for or am I just being greedy

Ahhhh... sneaky! Congratulations btw! I'd say out the door that's a pretty good SL. I was approved for HHonors Reserve last year - $17,500 and the CL has been more than adequate. Now, if your spending patterns will outgrow the CL over time, then you can entertain getting something a little higher. I simply stayed put since I'm going for the AA Biz this year and did not want to hit ceiling with them given my overall Citi exposure.

So I suppose it's your decision, and I assume this would be your first Citi CC?

Re: Citi CLI upon approval?

Anonymous — Wed, 11 Mar 2015 23:15:18 GMT

@Creditaddict wrote:
you create an account online and request CLI and it will instantly come back that it couldn't do it automatically but you can request review... more than likely it will be another hp but many successful in doing it and going much larger... like $4-$7k to $15-$25k limits! if they ask enough and don't chicken out!

Thanks!

Re: Citi CLI upon approval?

FinStar — Wed, 11 Mar 2015 23:15:52 GMT

@Creditaddict wrote:
you create an account online and request CLI and it will instantly come back that it couldn't do it automatically but you can request review... more than likely it will be another hp but many successful in doing it and going much larger... like $4-$7k to $15-$25k limits! if they ask enough and don't chicken out!

Thanks Creditaddict. I had forgotten about the online request option. The only risk would be the 2nd HP so aim high if anything.

Re: Citi CLI upon approval?

Anonymous — Wed, 11 Mar 2015 23:16:32 GMT

@FinStar wrote:
@Anonymous wrote:
@FinStar wrote:
@Anonymous wrote:
@FinStar wrote:
IIRC, once you receive the card. I recall some individuals took it up to the EO but were told to wait until card was received. Now, the jury's still out on whether you'd incur a 2nd HP since there were mixed results for folks who leveraged the same HP when approved or incurred a 2nd one.
Oh thanks for the info. Not liking the idea of a second HP. But you need to go the route of the EO and not regular CSRs?
I think some individuals used the EO to avoid the possible 2nd HP but there were also plenty who were contacting front line CSRs (albeit 2nd pull). During the Citi DC 'fever" it seems like there were several successes with obtaining a decent CLI if the SL wasn't flexible enough.

Which Citi CC are you planning on getting?
I got the AA card a little bit ago. Just wondering if I can get more than the $16500 they approved me for or am I just being greedy
Ahhhh... sneaky! Congratulations btw! I'd say out the door that's a pretty good SL. I was approved for HHonors Reserve last year - $17,500 and the CL has been more than adequate. Now, if your spending patterns will outgrow the CL over time, then you can entertain getting something a little higher. I simply stayed put since I'm going for the AA Biz this year and did not want to hit ceiling with them given my overall Citi exposure.

So I suppose it's your decision, and I assume this would be your first Citi CC?

Yes first Citi card.

Re: Citi CLI upon approval?

Imperfectfuture — Wed, 11 Mar 2015 23:18:12 GMT

@Anonymous wrote:
@FinStar wrote:
@Anonymous wrote:
@FinStar wrote:
IIRC, once you receive the card. I recall some individuals took it up to the EO but were told to wait until card was received. Now, the jury's still out on whether you'd incur a 2nd HP since there were mixed results for folks who leveraged the same HP when approved or incurred a 2nd one.
Oh thanks for the info. Not liking the idea of a second HP. But you need to go the route of the EO and not regular CSRs?
I think some individuals used the EO to avoid the possible 2nd HP but there were also plenty who were contacting front line CSRs (albeit 2nd pull). During the Citi DC 'fever" it seems like there were several successes with obtaining a decent CLI if the SL wasn't flexible enough.

Which Citi CC are you planning on getting?
I got the AA card a little bit ago. Just wondering if I can get more than the $16500 they approved me for or am I just being greedy

IMHO, greedy?

Re: Citi CLI upon approval?

Anonymous — Wed, 11 Mar 2015 23:34:24 GMT

Nothing wrong asking for more. I was approved a while ago for the Citi AA with $5K, I called to activate the card and I requested a CLI. The CSR transferred me to the UW, and approved me with for $18K,,, yes, everything is possible

I am still in $18K, I use it for travel expenses- around 5K a month and I pay in full. I would like to request at least $25K to match my other cards, but I will wait.

Go Ahead and request a CLI

Re: Citi CLI upon approval?

Anonymous — Wed, 11 Mar 2015 23:33:34 GMT

@Imperfectfuture wrote:
@Anonymous wrote:
@FinStar wrote:
@Anonymous wrote:
@FinStar wrote:
IIRC, once you receive the card. I recall some individuals took it up to the EO but were told to wait until card was received. Now, the jury's still out on whether you'd incur a 2nd HP since there were mixed results for folks who leveraged the same HP when approved or incurred a 2nd one.
Oh thanks for the info. Not liking the idea of a second HP. But you need to go the route of the EO and not regular CSRs?
I think some individuals used the EO to avoid the possible 2nd HP but there were also plenty who were contacting front line CSRs (albeit 2nd pull). During the Citi DC 'fever" it seems like there were several successes with obtaining a decent CLI if the SL wasn't flexible enough.

Which Citi CC are you planning on getting?
I got the AA card a little bit ago. Just wondering if I can get more than the $16500 they approved me for or am I just being greedy
IMHO, greedy?

Hah, you're right :-)

Re: Citi CLI upon approval?

Open123 — Wed, 11 Mar 2015 23:52:33 GMT

From my experience, that's a really good CL for Citi, especially when starting out. I know in the past, they offered CLs without a HP, but I think they've stopped the practice about a year or so ago.

Re: Citi CLI upon approval?

Anonymous — Thu, 12 Mar 2015 00:49:17 GMT

On my Double Cash my SL was $1,200. I called Citi the next day said I was approved for a Double Cash card and I wanted to go over the terms and conditions. The representative pulled my account with my ssn. After he went over that, I said I would like to request a CLI. He asked me few questions and said I will get my decision soon. I asked him if I could talk with an credit analyst for instant decision? He said sure let me transfer you. Analyst came on the phone and asked me few questions and said I can approve your request for $18,000. I thought that they were going to counter but they approved me for the whole amount. I should have asked for $25,000 lol.

Re: Citi CLI upon approval?

Anonymous — Thu, 12 Mar 2015 00:52:03 GMT

@Anonymous wrote:
On my Double Cash my SL was $1,200. I called Citi the next day said I was approved for a Double Cash card and I wanted to go over the terms and conditions. The representative pulled my account with my ssn. After he went over that, I said I would like to request a CLI. He asked me few questions and said I will get my decision soon. I asked him if I could talk with an credit analyst for instant decision? He said sure let me transfer you. Analyst came on the phone and asked me few questions and said I can approve your request for $18,000. I thought that they were going to counter but they approved me for the whole amount. I should have asked for $25,000 lol.

That's a sizable jump. Very tempting

Re: Citi CLI upon approval?

bigbang91 — Thu, 12 Mar 2015 06:32:24 GMT

@Anonymous wrote:
@Anonymous wrote:
On my Double Cash my SL was $1,200. I called Citi the next day said I was approved for a Double Cash card and I wanted to go over the terms and conditions. The representative pulled my account with my ssn. After he went over that, I said I would like to request a CLI. He asked me few questions and said I will get my decision soon. I asked him if I could talk with an credit analyst for instant decision? He said sure let me transfer you. Analyst came on the phone and asked me few questions and said I can approve your request for $18,000. I thought that they were going to counter but they approved me for the whole amount. I should have asked for $25,000 lol.
That's a sizable jump. Very tempting

I think it would result in 2nd HP. Did you get approved instantly?

Re: Citi CLI upon approval?

Anonymous — Thu, 12 Mar 2015 06:44:58 GMT

It will. I waited too long & didn't want the HP.