topic Re: Citi DoubleCash SP CLI? in Credit Cards

Citi DoubleCash SP CLI?

Anonymous — Fri, 17 Apr 2015 13:15:23 GMT

Hello!

Does anyone have experience with requesting a SP CLI on your Citi DoubleCash? When contacting Citi over Chat recently (On a Pricerewind Issue), they said my 4 1/2 Month old DC is eligible for a SP CLI. I currently have a 4,200 Limit and run through a considerable amount of spending on the Card (Rent, College Tuition, etc). Any tips on what to request, should I wait until the 6 month mark, or should I lower my Util (Currently 70% on this card, 14% of my Credit Portfolio)? Also heard a few people were getting pumped up from WMC to WEMC....is their a minimum limit/minimum account age?

Thanks Folks!

Re: Citi DoubleCash SP CLI?

Creditaddict — Fri, 17 Apr 2015 13:51:03 GMT

@Anonymous wrote:
Hello!

Does anyone have experience with requesting a SP CLI on your Citi DoubleCash? When contacting Citi over Chat recently (On a Pricerewind Issue), they said my 4 1/2 Month old DC is eligible for a SP CLI. I currently have a 4,200 Limit and run through a considerable amount of spending on the Card (Rent, College Tuition, etc). Any tips on what to request, should I wait until the 6 month mark, or should I lower my Util (Currently 70% on this card, 14% of my Credit Portfolio)? Also heard a few people were getting pumped up from WMC to WEMC....is their a minimum limit/minimum account age?

Thanks Folks!

you don't request an amount I don't believe... just click the button online for credit line increase and enter you income and submit... it will come back.

Re: Citi DoubleCash SP CLI?

Anonymous — Fri, 17 Apr 2015 13:52:24 GMT

Do they ever CLD you when you enter that info?

Re: Citi DoubleCash SP CLI?

Creditaddict — Fri, 17 Apr 2015 14:00:47 GMT

@Anonymous wrote:
Do they ever CLD you when you enter that info?

Re: Citi DoubleCash SP CLI?

Anonymous — Fri, 17 Apr 2015 14:26:17 GMT

Thanks, Creditaddict! Good info

Re: Citi DoubleCash SP CLI?

Anonymous — Fri, 17 Apr 2015 14:54:02 GMT

Let us know how it goes if your decide to pull the trigger. I'd say go for it since it's a SP.

Re: Citi DoubleCash SP CLI?

Anonymous — Fri, 17 Apr 2015 14:56:30 GMT

@Anonymous wrote:
Let us know how it goes if your decide to pull the trigger. I'd say go for it since it's a SP.

Yes, just check the wording, to make sure it doesn't say that a credit report will be obtained (There are two versions, one for HP and one for SP)

Re: Citi DoubleCash SP CLI?

Anonymous — Fri, 17 Apr 2015 16:01:12 GMT

@Anonymous wrote:
@Anonymous wrote:
Let us know how it goes if your decide to pull the trigger. I'd say go for it since it's a SP.
Yes, just check the wording, to make sure it doesn't say that a credit report will be obtained (There are two versions, one for HP and one for SP)

Re: Citi DoubleCash SP CLI?

JSS3 — Tue, 26 May 2015 12:25:43 GMT

You're eligible for a soft pull increase six months from the last time your limit was increased. You can try for a hard pull increase at any time.

If you see three spaces to input info, that is the soft pull screen. It won't ask for a requsted amount. It will give you a new limit right there if approved.

If you see four spaces(the last asking for the requested amount) that is the hard pull screen.

It will also tell you that a report will be pulled when it's a hard pull.

I've gotten three soft pull increases. Usually of about 1400. I once received a 600 increase.

I recently requested a soft pull increase on my 1st newly Pc'd Double Cash. Went up 1400. New limit is 4,000.

I recently requested a hard pull increase on my newly 2nd Pc'd Double Cash when it arrived. 5900 increase. New limit is 11,000. It was a hard pull on Experian(Expected it to be on Equifax from what's reported on here). Citi pulls Experian for all my CC applications too. State: PA

13% overall untilization with my one reporting(Discover) card at about 63%.

Re: Citi DoubleCash SP CLI?

Anonymous — Fri, 17 Apr 2015 17:41:25 GMT

@JSS3 wrote:
You're eligible for a soft pull increase six months from the last time your limit was increased. You can try for a hard pull increase at any time.

If you see three spaces to input info, that is the soft pull screen. It won't ask for a requsted amount. It will give you a new limit right there if approved.
If you see four spaces(the last asking for the requested amount) that is the hard pull screen.

It will also tell you that a report will be pulled when it's a hard pull.

I've gotten three soft pull increases. Usually of about 1400. I once received a 600 increase.

I recently requsted a soft pull increase on my 1st newly Pc'd Double Cash. Went up 1400. New limit is 4,000.
I recently requested a hard pull increase on my newly 2nd Pc'd Double Cash when it arrived. 5900 increase. New limit is 11,000. It was a hard pull on Experian(Expected it to be on Equifax from what's reported on here). Citi pulls Experian for all my CC applications too. State: PA

13% overall untilization with my one reporting(Discover) card at about 63%.

This is clutch. Thanks dude.

Re: Citi DoubleCash SP CLI?

JSS3 — Fri, 17 Apr 2015 18:08:36 GMT

@Anonymous wrote:
@JSS3 wrote:
You're eligible for a soft pull increase six months from the last time your limit was increased. You can try for a hard pull increase at any time.

If you see three spaces to input info, that is the soft pull screen. It won't ask for a requsted amount. It will give you a new limit right there if approved.
If you see four spaces(the last asking for the requested amount) that is the hard pull screen.

It will also tell you that a report will be pulled when it's a hard pull.

I've gotten three soft pull increases. Usually of about 1400. I once received a 600 increase.

I recently requsted a soft pull increase on my 1st newly Pc'd Double Cash. Went up 1400. New limit is 4,000.
I recently requested a hard pull increase on my newly 2nd Pc'd Double Cash when it arrived. 5900 increase. New limit is 11,000. It was a hard pull on Experian(Expected it to be on Equifax from what's reported on here). Citi pulls Experian for all my CC applications too. State: PA

13% overall untilization with my one reporting(Discover) card at about 63%.
This is clutch. Thanks dude.

Dudette.

Re: Citi DoubleCash SP CLI?

14Fiesta — Fri, 17 Apr 2015 18:44:52 GMT

@Anonymous wrote:
Hello!

Does anyone have experience with requesting a SP CLI on your Citi DoubleCash? When contacting Citi over Chat recently (On a Pricerewind Issue), they said my 4 1/2 Month old DC is eligible for a SP CLI. I currently have a 4,200 Limit and run through a considerable amount of spending on the Card (Rent, College Tuition, etc). Any tips on what to request, should I wait until the 6 month mark, or should I lower my Util (Currently 70% on this card, 14% of my Credit Portfolio)? Also heard a few people were getting pumped up from WMC to WEMC....is their a minimum limit/minimum account age?

Thanks Folks!

Can anyone answer this question for me? I know Visa has a strict 5K Signature policy, but does MasterCard have one too? Or is it dependant upon the banks policy what you get? (Doesn't someone have a $600 WEMC?)

Re: Citi DoubleCash SP CLI?

Anonymous — Sat, 18 Apr 2015 07:00:33 GMT

About 6 months for a new card to be eligible for SP CLI. You can request CLI anytime before 6 months but it is a HP. The luv button screen becomes SP after 6 mo.

Re: Citi DoubleCash SP CLI?

Anonymous — Sat, 18 Apr 2015 11:24:03 GMT

@Anonymous wrote:
About 6 months for a new card to be eligible for SP CLI. You can request CLI anytime before 6 months but it is a HP. The luv button screen becomes SP after 6 mo.

Conversely, you can do what I did. Get a CSR in chat who doesn't know what they're talking about to tell you that your account is eligible for a SP cli, even though it isn't. Print the chat transcript, do the CLI, call Citi and they will turn your HP into an SP.

Re: Citi DoubleCash SP CLI?

killer_queen229 — Sat, 18 Apr 2015 11:38:16 GMT

It was a SP for me. They were generous with my credit increase

Re: Citi DoubleCash SP CLI?

chalupaman — Sat, 18 Apr 2015 12:38:29 GMT

When I still had my Forward card, I got a SP CLI after about a year.

Re: Citi DoubleCash SP CLI?

afinch1992 — Sat, 18 Apr 2015 18:03:02 GMT

Just did a SP on my card and got a $1900 increase to $16,900. Very strange increase and new limit, but Ill take it

Re: Citi DoubleCash SP CLI?

celluloid17 — Sun, 19 Apr 2015 16:27:45 GMT

@JSS3 wrote:
You're eligible for a soft pull increase six months from the last time your limit was increased. You can try for a hard pull increase at any time.

If you see three spaces to input info, that is the soft pull screen. It won't ask for a requsted amount. It will give you a new limit right there if approved.
If you see four spaces(the last asking for the requested amount) that is the hard pull screen.

It will also tell you that a report will be pulled when it's a hard pull.

I've gotten three soft pull increases. Usually of about 1400. I once received a 600 increase.

I recently requsted a soft pull increase on my 1st newly Pc'd Double Cash. Went up 1400. New limit is 4,000.
I recently requested a hard pull increase on my newly 2nd Pc'd Double Cash when it arrived. 5900 increase. New limit is 11,000. It was a hard pull on Experian(Expected it to be on Equifax from what's reported on here). Citi pulls Experian for all my CC applications too. State: PA

13% overall untilization with my one reporting(Discover) card at about 63%.

This was very useful information! I just got a $1600 SP CLI on my Citi Double Cash card bringing my total CL to $6700. I'll try again in November.

Re: Citi DoubleCash SP CLI?

SouthJamaica — Tue, 26 May 2015 01:50:06 GMT

@JSS3 wrote:
You're eligible for a soft pull increase six months from the last time your limit was increased. You can try for a hard pull increase at any time.

If you see three spaces to input info, that is the soft pull screen. It won't ask for a requsted amount. It will give you a new limit right there if approved.
If you see four spaces(the last asking for the requested amount) that is the hard pull screen.

It will also tell you that a report will be pulled when it's a hard pull.

I've gotten three soft pull increases. Usually of about 1400. I once received a 600 increase.

I recently requsted a soft pull increase on my 1st newly Pc'd Double Cash. Went up 1400. New limit is 4,000.
I recently requested a hard pull increase on my newly 2nd Pc'd Double Cash when it arrived. 5900 increase. New limit is 11,000. It was a hard pull on Experian(Expected it to be on Equifax from what's reported on here). Citi pulls Experian for all my CC applications too. State: PA

13% overall untilization with my one reporting(Discover) card at about 63%.

What an amazingly informative post. Thank you so much!!!!

I wish I could have given you more than 1 kudo

Re: Citi DoubleCash SP CLI?

SouthJamaica — Tue, 26 May 2015 02:01:08 GMT

@JSS3 wrote:
You're eligible for a soft pull increase six months from the last time your limit was increased. You can try for a hard pull increase at any time.

If you see three spaces to input info, that is the soft pull screen. It won't ask for a requsted amount. It will give you a new limit right there if approved.
If you see four spaces(the last asking for the requested amount) that is the hard pull screen.

It will also tell you that a report will be pulled when it's a hard pull.

I've gotten three soft pull increases. Usually of about 1400. I once received a 600 increase.

I recently requsted a soft pull increase on my 1st newly Pc'd Double Cash. Went up 1400. New limit is 4,000.
I recently requested a hard pull increase on my newly 2nd Pc'd Double Cash when it arrived. 5900 increase. New limit is 11,000. It was a hard pull on Experian(Expected it to be on Equifax from what's reported on here). Citi pulls Experian for all my CC applications too. State: PA

13% overall untilization with my one reporting(Discover) card at about 63%.

Do you have any similar wisdom for Barclay? for Amex? Discover?