topic Re: How is CITI and their CLI's? in Credit Cards

How is CITI and their CLI's?

xgac12x — Wed, 03 Jun 2015 03:06:16 GMT

Ive had the DC for a few months now and its my primary card. Always PIF and Ive been pushing a lot of money through it. They wont seem to budge on my CLI when I am spending this much, as well as having other larger limit cards that i could use instead. Even my Fidelilty Amex that I dont use anymore gave me a CLI lol. Anyways, any thoughts to how I could get an auto increase? or just patience

Re: How is CITI and their CLI's?

Sharingan — Wed, 03 Jun 2015 03:11:32 GMT

@xgac12x wrote:
Ive had the DC for a few months now and its my primary card. Always PIF and Ive been pushing a lot of money through it. They wont seem to budge on my CLI when I am spending this much, as well as having other larger limit cards that i could use instead. Even my Fidelilty Amex that I dont use anymore gave me a CLI lol. Anyways, any thoughts to how I could get an auto increase? or just patience

I don't hear of Citi doing very many auto-CLIs; however, they are very good with SP CLIs. I have 6 Citi cards, and each one gets a 1200-1500 CLI every six months. I've kinda stopped requesting though because I want a decent limit for the Premier card I plan on applying for in a few months. People have been having a lot of success with Discover, but Citi has been far more generous for me.

Re: How is CITI and their CLI's?

xgac12x — Wed, 03 Jun 2015 04:05:22 GMT

Like I said, my Double cash has been my primary card of use. And I have been putting a lot of money through it and paying it off completely. My discover was my first non store card that started at $500, and now its at $3,500 so I am content with that. I wish my DC was around there, or a bit more. Specially since I stopped using my Fidelity which is at $5,500.

Re: How is CITI and their CLI's?

red259 — Wed, 03 Jun 2015 04:28:18 GMT

Interesting datapoints here. I have the cities Hilton and aa plat card (downgrade from exec). My lines have not changed on as card which is just over year old and Hilton is only five months. I'm holding off since its a pain to combine citi lines and I doubt I will keep the as card next year (unless I can PC it to DC).no point in my mind of growing an AF card that I may want to drop in a year or two. Also I want to pick up premier card this week.

Re: How is CITI and their CLI's?

Suddenlyy — Wed, 03 Jun 2015 07:20:15 GMT

to reiterate what previous user said..

just try for a sp cli.. if you go online, it will tell you if a credit bureau will be requested or not. if no credit bureau is required, give it a go. they can offer sp cli every 6 months.

Re: How is CITI and their CLI's?

Anonymous — Wed, 03 Jun 2015 10:50:25 GMT

I had my Citi AAdvantage for almost a year with no CLI. I waited for this elusive 6 month auto CLI and the link to do a SP CLI online, neither ever showed up. Finally got sick of waiting around and did the HP CLI on their website and went from $7700 to $25000. I'd say give it a go especially if it's a SP for you, wasn't for me but other members seem to be luckier in this area than I was.

Re: How is CITI and their CLI's?

Sharingan — Wed, 03 Jun 2015 10:54:01 GMT

@xgac12x wrote:
Like I said, my Double cash has been my primary card of use. And I have been putting a lot of money through it and paying it off completely. My discover was my first non store card that started at $500, and now its at $3,500 so I am content with that. I wish my DC was around there, or a bit more. Specially since I stopped using my Fidelity which is at $5,500.

As I said, I don't hear of Citi handing out very many auto CLIs, as evidenced by the lack of replies to this thread. Hopefully others will chime in if they have had success. Upon doing a search, you can see that it's not a common occurrence with Citibank compared to other lenders. So I gave you the next best option, which has been quite effective. If that won't work for you, then you can either take the HP and try for a larger limit now; or you can keep waiting indefinitely to see if they eventually give you what you seek. From personal experience, I've never been given an auto CLI from Citi, but I also never have issues obtaining SP CLIs either. So, as they say, YEMV.

Good luck.

Re: How is CITI and their CLI's?

pip3man — Wed, 03 Jun 2015 12:04:10 GMT

I've had my AA Platinum for over a year and it's still stuck at the original limit. Although I always get the SP message when I try for a CLI on the website, they never budge on increasing my limit. And this was my primary card and currently holds the record of my lowest APR @ 13.2%. I already gave up trying so OP you are definitely not alone on this one....

Re: How is CITI and their CLI's?

AirlinerDudeB6 — Wed, 03 Jun 2015 12:16:52 GMT

I've had my Citi TYP card for well over a year now. It's been stuck at the original $3k limit since day one.

No Auto-CLI and I never have the option for a SP CLI. It always states a credit report will be pulled...

Alway pay on time. No lates. PIF.

So it is 100% YMMV with Citi on CLI.

Re: How is CITI and their CLI's?

Anonymous — Sun, 02 Aug 2015 21:44:57 GMT

I got an initial credit limit of 7k on the DC citi card, opened it 6 months ago, have a current balance of around 4k and yesterday i got an email

(c/p)
We are happy to let you know that we've increased the credit limit on your Citi® Double Cash Card to $9,000†. Since you are one of our best customers, we want to make sure your card is keeping pace with your needs.

With an increased credit limit, use your card for more purchases and continue to earn cash back TWICE on every single one of them. Plus, you don’t have to worry about hitting any cash back limits

Re: How is CITI and their CLI's?

Anonymous — Sun, 02 Aug 2015 23:23:29 GMT

Had my Citi TYP since June 2013 and never got an auto CLI. Always had to request it. I went from 3500 to 6300 with two SP CLIs. Had my DC since April of this year, I'll probably have to requeast a CLI in October.

Re: How is CITI and their CLI's?

icyhot — Sun, 02 Aug 2015 23:28:30 GMT

I had my Forward card at 99% UTL for like 3 years, finally paid it to zero, let the statement cut, SP CLId it from 2500 to 3700. Small victories

Re: How is CITI and their CLI's?

Santi78342 — Mon, 03 Aug 2015 02:17:47 GMT

Just received SP CLIs on both my DC & TYP today.

DC opened 5/22/2015 up $1,200 to $2,900

TYP opened 7/5/2015 up $750 to $2,750

Better than nothing!

Re: How is CITI and their CLI's?

FeeBear — Mon, 03 Aug 2015 03:01:57 GMT

@Santi78342 wrote:
Just received SP CLIs on both my DC & TYP today.

DC opened 5/22/2015 up $1,200 to $2,900
TYP opened 7/5/2015 up $750 to $2,750

Better than nothing!

Hey Santi,

I see this in the when I go to the Citi Credit increase page.

It's easy to find out if you qualify for a credit limit increase. By clicking "Continue" you understand that we will obtain a credit bureau report to evaluate your request. Our credit department will review your request within 24 hours.

Does this mean a Soft Pull or Hard Pull?

Fee

Re: How is CITI and their CLI's?

kdm31091 — Mon, 03 Aug 2015 03:03:50 GMT

That message is a definite HP.

Re: How is CITI and their CLI's?

Santi78342 — Mon, 03 Aug 2015 03:14:56 GMT

@FeeBear wrote:
@Santi78342 wrote:
Just received SP CLIs on both my DC & TYP today.

DC opened 5/22/2015 up $1,200 to $2,900
TYP opened 7/5/2015 up $750 to $2,750

Better than nothing!
Hey Santi,

I see this in the when I go to the Citi Credit increase page.

It's easy to find out if you qualify for a credit limit increase. By clicking "Continue" you understand that we will obtain a credit bureau report to evaluate your request. Our credit department will review your request within 24 hours.

Does this mean a Soft Pull or Hard Pull?

Fee

Yup definitely a HP.

It will explicitly state that they will NOT obtain a credit report if you are eligible for a SP CLI. It also asks for income and housing payment.

Re: How is CITI and their CLI's?

FeeBear — Mon, 03 Aug 2015 03:36:42 GMT

Thanks SAnti!

Re: How is CITI and their CLI's?

Anonymous — Mon, 03 Aug 2015 06:00:14 GMT

@xgac12x wrote:
Ive had the DC for a few months now and its my primary card. Always PIF and Ive been pushing a lot of money through it. They wont seem to budge on my CLI when I am spending this much, as well as having other larger limit cards that i could use instead. Even my Fidelilty Amex that I dont use anymore gave me a CLI lol. Anyways, any thoughts to how I could get an auto increase? or just patience

When I applied for Citi Double cash they gave me a disappointing $2,700 credit limit. I requested a credit limit increase immediately when I received my card that result me another hard inquiry on my credit report and was approved $15,000 (wished i requested more lol).

I originally said to myself "well dont push your luck just ask for $10,000 and I said "No im going to try $15,000 it's my first Citi card maybe they want me to be their big valuable customer (paying interest)" and when I was approved for $15,000 I regret not pushing for $18,000 because 6 months later...

Citi gave me a soft pull credit limit increase from $15,000 to $18,500

Lesson learned. Don't be too shy with Citi. It's just Citi

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

SOFT PULL

‘’It’s easy to find out if you qualify you a credit limit increase. By clicking ‘’continue’’ you understand that we will obtain a credit bureau report to evaluate your request. Our credit department will review your request within 24 hours.’'

HARD PULL

Re: How is CITI and their CLI's?

takeshi74 — Mon, 03 Aug 2015 13:21:23 GMT

@xgac12x wrote:
Ive had the DC for a few months now and its my primary card. Always PIF and Ive been pushing a lot of money through it. They wont seem to budge on my CLI when I am spending this much

People rely far to omuch on usage. Your credit and your income are the primary factors that determine the CLI that you qualify for. You'd need to determine what concerns Citi has with your credit and address those.

Re: How is CITI and their CLI's?

Anonymous — Mon, 03 Aug 2015 16:12:20 GMT

@Anonymous wrote:

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

SOFT PULL

‘’It’s easy to find out if you qualify you a credit limit increase. By clicking ‘’continue’’ you understand that we will obtain a credit bureau report to evaluate your request. Our credit department will review your request within 24 hours.’'

HARD PULL

And it's REALLY easy to blow by those and not read them right when you're excited or have been told by CSR it wouldn't be a HP or both.

I thought I was doing a SP on my TY Pref. I asked for $15k thinking it'd get countered at about $10k. I got the full $15, but it was a HP. I later moved that over to my DC, so it was worth it.