topic Re: Citi DC: Chances of CLI on Activation in Credit Cards

Citi DC: Chances of CLI on Activation

Anonymous — Sat, 10 Oct 2015 03:30:22 GMT

I just activated my DC today...wondering if it's worth the HP for a CLI (at $3400 it's my lowest limit). What are my chances of getting a CLI, and any idea which bureau will get the HP? Some stats:

TU 08: 753 (9/27)

EXP 08: 722 (9/23)

Inquiries:

TU: 2 (2 in last 12 months, 1 in last 6 months)

EQ: 3 (2 in last 12 months, 1 in last 6 months)

EXP: 6 (5 in last 12 months, 4 in last 6 months)

Currently reporting 1-5% util each on 3 of 4 cards; total util <1%

Re: Citi DC: Chances of CLI on Activation

Anonymous — Sat, 10 Oct 2015 03:40:47 GMT

@Anonymous wrote:
I just activated my DC today...wondering if it's worth the HP for a CLI (at $3400 it's my lowest limit). What are my chances of getting a CLI, and any idea which bureau will get the HP? Some stats:

TU 08: 753 (9/27)
EXP 08: 722 (9/23)

Inquiries:
TU: 2 (2 in last 12 months, 1 in last 6 months)
EQ: 3 (2 in last 12 months, 1 in last 6 months)
EXP: 6 (5 in last 12 months, 4 in last 6 months)

Currently reporting 1-5% util each on 3 of 4 cards; total util <1%

I wouldnt waste the inquiry... just prepay your card if the limit isnt enough...in a few months you will get a CLI.

I asked for one at activation only because they randomly decided to pull a 2nd bureau on me. Denied.

Re: Citi DC: Chances of CLI on Activation

Involver — Sat, 10 Oct 2015 04:14:47 GMT

Got a substantial CLI after activation on the DC, took a second HP on EQ for it. They used to give paltry starting CLs and were willing to bump them pretty high with a second pull, not sure if that's still ongoing.

Re: Citi DC: Chances of CLI on Activation

Anonymous — Sat, 10 Oct 2015 04:17:37 GMT

Your scores are pretty good and inqs are low. There's no guarantee but if you dont mind the additional inquiry then go for it. As far as what they might pull it varies. Ive read a few people had an EX pull for the app and EQ for CLI. With me it was EX twice. I suggest calling and asking them which bureau they need to pull and then make your decision. The credit review team will let you know. I was approved btw. 12 EX inqs, 743 score, 6% util

Re: Citi DC: Chances of CLI on Activation

9CLINE — Sat, 10 Oct 2015 04:25:58 GMT

I too took an additional HP after activation and got what I asked for 10,000 from 4,600. didn't ask for more,didn't need that just wanted the wiggle room for a BT. I was double pulled for approval then they pulled EQ for CLI.
@time EX ~750,EQ~740 with 2 inq. ea. prior ...
Just my .02 Hope it helps w/ ur decision
Good Luck !!!!!!!!!

*edit.. Utilz. ~8-9 %

Re: Citi DC: Chances of CLI on Activation

Anonymous — Sat, 10 Oct 2015 04:50:48 GMT

I decided I'm going to go for it. No plans on applying for anything in the near future, since my current lineup is pretty much fully optimized for cash back, so unless they come out with a 3% cashback or a silly high signup bonus I'll be gardening for a while.

Filled out the form online, went straight to "we'll email you in 24 hours with a response". Not an instant approval but better than a denial! Hopefully I have some good news tomorrow...

Re: Citi DC: Chances of CLI on Activation

Anonymous — Sat, 10 Oct 2015 05:00:58 GMT

@Anonymous wrote:
I decided I'm going to go for it. No plans on applying for anything in the near future, since my current lineup is pretty much fully optimized for cash back, so unless they come out with a 3% cashback or a silly high signup bonus I'll be gardening for a while.

Filled out the form online, went straight to "we'll email you in 24 hours with a response". Not an instant approval but better than a denial! Hopefully I have some good news tomorrow...

If it's a denial, you can recon it. Best of luck to you!

Re: Citi DC: Chances of CLI on Activation

Anonymous — Sat, 10 Oct 2015 05:07:18 GMT

Good luck!

Re: Citi DC: Chances of CLI on Activation

Anonymous — Sat, 10 Oct 2015 06:16:43 GMT

Approved at 5k double pull eq/ex I took a HP CLI request at like 40? days I think.. increased to 15K. The 2nd pull was EQ only I think.

Re: Citi DC: Chances of CLI on Activation

Anonymous — Sun, 11 Oct 2015 23:45:23 GMT

So I logged in today and got a bump...to $5000. Better than nothing but I was hoping to be closer to $7000-$10,000 range. The reason given for the partial increase (I requested $25,000) was "We weren’t able to grant the full amount you requested because your account was recently opened." Is it just me or does that seem like a BS answer...

Would I be able to/is their a point to reconning the CLI since they already did an HP?

Re: Citi DC: Chances of CLI on Activation

Anonymous — Mon, 12 Oct 2015 00:00:47 GMT

I would jus tbe happy with what you got. They gave you a reason with their counter and I doubt a recon will get you far. They gave me a good CLI on a SP after 6 months with my simplicity and DP. Congrats

Re: Citi DC: Chances of CLI on Activation

kdm31091 — Mon, 12 Oct 2015 00:15:04 GMT

@Anonymous wrote:
So I logged in today and got a bump...to $5000. Better than nothing but I was hoping to be closer to $7000-$10,000 range. The reason given for the partial increase (I requested $25,000) was "We weren’t able to grant the full amount you requested because your account was recently opened." Is it just me or does that seem like a BS answer...

Would I be able to/is their a point to reconning the CLI since they already did an HP?

I'd just take what I got and not press my luck any further, to be honest. Let the account age. In 6 months you will likely be eligible for a SP increase.