topic Re: How is Citi with CLI's? in Credit Cards

How is Citi with CLI's?

xgac12x — Wed, 22 Jul 2015 03:26:51 GMT

I have a DC that's been at $1,200 for a few months now, I was just wondering, how is Citi with their auto CLI or CLI's in general? I have the Fidelity Amex too at $5,500, so it would be nice even to be at $2,500 or so on the DC for it to be my everyday go to card.

Re: How is Citi with CLI's?

Anonymous — Wed, 22 Jul 2015 03:29:07 GMT

@xgac12x wrote:
I have a DC that's been at $1,200 for a few months now, I was just wondering, how is Citi with their auto CLI or CLI's in general? I have the Fidelity Amex too at $5,500, so it would be nice even to be at $2,500 or so on the DC for it to be my everyday go to card.

If your credit is in good shape they are quite generous but at the cost of a hard pull.

Re: How is Citi with CLI's?

FinStar — Wed, 22 Jul 2015 03:37:44 GMT

@Anonymous wrote:
@xgac12x wrote:
I have a DC that's been at $1,200 for a few months now, I was just wondering, how is Citi with their auto CLI or CLI's in general? I have the Fidelity Amex too at $5,500, so it would be nice even to be at $2,500 or so on the DC for it to be my everyday go to card.
If your credit is in good shape they are quite generous but at the cost of a hard pull.

Not necessarily a HP unless the account is < 6-8 months old.

OP - what's a "few months"? If you are past the 6-month mark, you can always check if your Citi card is eligible for a SP CLI. Not always a guarantee but you can check periodically. The key message that would indicate it's SP would state something to the effect that your credit bureau report would not be obtained or pulled.

Re: How is Citi with CLI's?

noobody — Wed, 22 Jul 2015 04:58:53 GMT

Exactly five month after my Premier approval, and check the CLI page for the 100th time, the verbiage finally became SP, filled my Info, get 5K CLI from 8.4K.
the 5th statement will be generated tomorrow,
They also reduce my apr from 17.99% to 14.99% via 2 online chat session.

Re: How is Citi with CLI's?

Ghoshida — Wed, 22 Jul 2015 05:05:59 GMT

Agree to the above comments.

I've got three SP CLIs, each 6 months apart, on my Citi Dividend.

They haven't been outrageous values; they took my card from $2k-->$3.2k-->$4.5k-->$5.9k.

I didn't get much CLIs in the first year of my card; but that's also because I had very high utilization and applied far too often for other cards. Once that got taken care of, SP CLIs came every 6 months.

On my CLI request page, it shows this:

---------------

Your Account

Current Credit Line $5,900.00 Current Outstanding Balance $0.00 Last Statement Balance $0.00

It's easy to find out if you qualify for a credit limit increase. A credit bureau report will not be requested and you will receive an instant decision.

---------------

I know right now I'll be denied because I got my last CLI less than 6 months ago. What does it say for you?

Re: How is Citi with CLI's?

Anonymous — Wed, 22 Jul 2015 05:56:55 GMT

Citi double approved 6k, HP increase to 15k at ~55 days after opening.

Re: How is Citi with CLI's?

noobody — Wed, 22 Jul 2015 06:06:55 GMT

I am pretty happy with 13.4K right now, need leave some room for future app, like AA and/or Prestige. I did not expect 5K increase, 2K CLI to a 5digits would make me happy.

Re: How is Citi with CLI's?

takeshi74 — Wed, 22 Jul 2015 12:35:08 GMT

@Anonymous wrote:
If your credit is in good shape they are quite generous but at the cost of a hard pull.

This. CLI's are not just a matter of the creditor but what one's credit and income qualify for.

Re: How is Citi with CLI's?

core — Thu, 23 Jul 2015 04:24:04 GMT

I'm afraid most of the above responses were proven wrong today:

I logged in expecting to bend over and take HP for a CLI based on this forum. I was surprised to see the page said no pull would be done. Yes, right there on the first page it said no pull. I lit the fuse, and CLI 4500->7500 with no pull whatsoever. They gave me an option to request more with a pull. I declined that.

The card is only 5 weeks old. If they softed someone, I'm not sure who it was. But whoever it was (assuming not TU), I guarantee my score wasn't good enough for any special treatment.. So you guys can stop parroting this business about soft pulls only after 6 months and whatever else. There was absolutely nothing special about my account, income, nor anything else. I did max out the card ONCE the day before I requested the CLI. The payment for it also posted the same day..

@takeshi74 wrote:
@Anonymous wrote:
If your credit is in good shape they are quite generous but at the cost of a hard pull.
This. CLI's are not just a matter of the creditor but what one's credit and income qualify for.

Re: How is Citi with CLI's?

Closingracer99 — Thu, 23 Jul 2015 05:35:09 GMT

@Anonymous wrote:
@xgac12x wrote:
I have a DC that's been at $1,200 for a few months now, I was just wondering, how is Citi with their auto CLI or CLI's in general? I have the Fidelity Amex too at $5,500, so it would be nice even to be at $2,500 or so on the DC for it to be my everyday go to card.
If your credit is in good shape they are quite generous but at the cost of a hard pull.

They do SP's idk what your talking about.

Re: How is Citi with CLI's?

Closingracer99 — Thu, 23 Jul 2015 05:36:51 GMT

@core wrote:
I'm afraid most of the above responses were proven wrong today:

I logged in expecting to bend over and take HP for a CLI based on this forum. I was surprised to see the page said no pull would be done. Yes, right there on the first page it said no pull. I lit the fuse, and CLI 4500->7500 with no pull whatsoever. They gave me an option to request more with a pull. I declined that.

The card is only 5 weeks old. If they softed someone, I'm not sure who it was. But whoever it was (assuming not TU), I guarantee my score wasn't good enough for any special treatment.. So you guys can stop parroting this business about soft pulls only after 6 months and whatever else. There was absolutely nothing special about my account, income, nor anything else. I did max out the card ONCE the day before I requested the CLI. The payment for it also posted the same day..
@takeshi74 wrote:
@Anonymous wrote:
If your credit is in good shape they are quite generous but at the cost of a hard pull.
This. CLI's are not just a matter of the creditor but what one's credit and income qualify for.

When they say no "pull" They mean no HP will be taken. Banks SP your Credit reports all the time.

Re: How is Citi with CLI's?

Anonymous — Thu, 23 Jul 2015 14:43:22 GMT

@Closingracer99 wrote:
@Anonymous wrote:
@xgac12x wrote:
I have a DC that's been at $1,200 for a few months now, I was just wondering, how is Citi with their auto CLI or CLI's in general? I have the Fidelity Amex too at $5,500, so it would be nice even to be at $2,500 or so on the DC for it to be my everyday go to card.
If your credit is in good shape they are quite generous but at the cost of a hard pull.
They do SP's idk what your talking about.

Not always. YMMV as always.

Re: How is Citi with CLI's?

Anonymous — Thu, 23 Jul 2015 20:23:06 GMT

I just got a SP CLI on my double cash card, account is only 4 months old, but the wording specifically said a credit report will not be pulled and I was approved $1,500 -> $3,000