topic Re: How do I get Citi & Discover & Amex to like me? in Credit Cards

How do I get Citi & Discover & Amex to like me?

xXIDaShizIXx — Sat, 09 Jan 2016 16:56:05 GMT

What do I need to do to get credit limit increases for my Citi AAdvantage, Discover IT Miles, or American Express Delta Gold? I've had them all for at least 6 months or longer. I received a $500 increase from Discover about one month after opening, but nothing after that. I have not had any other inquiries since opening them and nothing else. I tried the 61 day CLI from Amex and did not get it. I pay in full and never carry a balance. Scores are in the 750s. Approximately 7 inquiries on TU and EQ. 9 on EX. AAoA is 3 years.

Re: How do I get Citi & Discover & Amex to like me?

Anonymous — Sat, 09 Jan 2016 17:08:11 GMT

@xXIDaShizIXx wrote:
What do I need to do to get credit limit increases for my Citi AAdvantage, Discover IT Miles, or American Express Delta Gold? I've had them all for at least 6 months or longer. I received a $500 increase from Discover about one month after opening, but nothing after that. I have not had any other inquiries since opening them and nothing else. I tried the 61 day CLI from Amex and did not get it. I pay in full and never carry a balance. Scores are in the 750s. Approximately 7 inquiries on TU and EQ. 9 on EX. AAoA is 3 years.

Are you trying 3x CLIs on the delta gold? What reasons are they listing for the denial? As far as citi goes....who knows. I had to use my card heavily for 5 months to get a small 1400 increase (and believe me I am happy I got that). I suggest calling in and talking to a rep. Be polite, and say you like to keep utilization down. That the increase isn't life or death but you would feel more comfortable using it more if it had one. I always had my SP increases denied online, but the phone was the trick.

Have you done any HP CLI requests with citi?

Discover is easy. If you use the card heavily, even carry a balance, they are going to give u a cli usually. Around every 60-90 days. We got our card up from 4-5k in a matter of months up to 18k with similar scores and profile to yours.

Bank of america seems to like you. Love that you have a BBR. I had a decent reduction in util by wasting a HP with care credit, I asked for a CLI of 25k and they countered. You may want to do the same some day. Also with BOA you could be working on APR reductions and CLIs with them too. BOA is known for huge limits.

Also your barclay rewards you may be able to phone in and get a SP CLI. There are a few methods floating around here that may be of use. If the rep says there are no offers you will probably have to HUCA.

Re: How do I get Citi & Discover & Amex to like me?

xXIDaShizIXx — Sat, 09 Jan 2016 17:36:16 GMT

@Anonymous wrote:
@xXIDaShizIXx wrote:
What do I need to do to get credit limit increases for my Citi AAdvantage, Discover IT Miles, or American Express Delta Gold? I've had them all for at least 6 months or longer. I received a $500 increase from Discover about one month after opening, but nothing after that. I have not had any other inquiries since opening them and nothing else. I tried the 61 day CLI from Amex and did not get it. I pay in full and never carry a balance. Scores are in the 750s. Approximately 7 inquiries on TU and EQ. 9 on EX. AAoA is 3 years.

Are you trying 3x CLIs on the delta gold? What reasons are they listing for the denial? As far as citi goes....who knows. I had to use my card heavily for 5 months to get a small 1400 increase (and believe me I am happy I got that). I suggest calling in and talking to a rep. Be polite, and say you like to keep utilization down. That the increase isn't life or death but you would feel more comfortable using it more if it had one. I always had my SP increases denied online, but the phone was the trick.

Have you done any HP CLI requests with citi?

Discover is easy. If you use the card heavily, even carry a balance, they are going to give u a cli usually. Around every 60-90 days. We got our card up from 4-5k in a matter of months up to 18k with similar scores and profile to yours.

Bank of america seems to like you. Love that you have a BBR. I had a decent reduction in util by wasting a HP with care credit, I asked for a CLI of 25k and they countered. You may want to do the same some day. Also with BOA you could be working on APR reductions and CLIs with them too. BOA is known for huge limits.

Also your barclay rewards you may be able to phone in and get a SP CLI. There are a few methods floating around here that may be of use. If the rep says there are no offers you will probably have to HUCA.

For the Delta Gold I asked for $5500. And the reason for denial was too many inquiries. I've tried using citi heavily, but they don't seem to like me lol. I'm taking it slow with BoA I don't want to spook them and want the rest of my inquiries to fall off first. I tried the SP CLI from Barclays 6 months ago as well. How often can you do that?

Re: How do I get Citi & Discover & Amex to like me?

takeshi74 — Sat, 09 Jan 2016 17:58:09 GMT

@xXIDaShizIXx wrote:
I've had them all for at least 6 months or longer

CLI's are not simply handed out in exchange for time.

@xXIDaShizIXx wrote:
I have not had any other inquiries since opening them and nothing else.

Inquiries are just one factor among many and typically have a small impact. Your entire credit profile matters.

@xXIDaShizIXx wrote:
I pay in full and never carry a balance.

Those are good but what is your reported revolving utilization like?

@xXIDaShizIXx wrote:
Scores are in the 750s. Approximately 7 inquiries on TU and EQ. 9 on EX. AAoA is 3 years.

Assuming scores are FICO 8's those look good. What's are the ages of your inquiries? How old is your newest account?

@xXIDaShizIXx wrote:
And the reason for denial was too many inquiries.

Too many iqnuiries is always "too many inquiries for your credit profile". It's not the inquiries themselves but other concerns with your credit profile. I don't see anything based on what you've said so far that stands out to me but recent credit seeking activity can also have an impact.

People tend to rely too much on usage. Usage may help to some small degree in certain cases but it wil notmake or break a CLI or overrule credit profile and income.

Something is causing them concern though and we'd need more info to figure out what that may be. To them, you've been extended what they're willing to extend based on your profile. What do your reports look like?

Re: How do I get Citi & Discover & Amex to like me?

xXIDaShizIXx — Sat, 09 Jan 2016 18:31:58 GMT

@takeshi74 wrote:
@xXIDaShizIXx wrote:
I've had them all for at least 6 months or longer
CLI's are not simply handed out in exchange for time.

@xXIDaShizIXx wrote:
I have not had any other inquiries since opening them and nothing else.
Inquiries are just one factor among many and typically have a small impact. Your entire credit profile matters.

@xXIDaShizIXx wrote:
I pay in full and never carry a balance.
Those are good but what is your reported revolving utilization like?

@xXIDaShizIXx wrote:
Scores are in the 750s. Approximately 7 inquiries on TU and EQ. 9 on EX. AAoA is 3 years.
Assuming scores are FICO 8's those look good. What's are the ages of your inquiries? How old is your newest account?

@xXIDaShizIXx wrote:
And the reason for denial was too many inquiries.
Too many iqnuiries is always "too many inquiries for your credit profile". It's not the inquiries themselves but other concerns with your credit profile. I don't see anything based on what you've said so far that stands out to me but recent credit seeking activity can also have an impact.

People tend to rely too much on usage. Usage may help to some small degree in certain cases but it wil notmake or break a CLI or overrule credit profile and income.

Something is causing them concern though and we'd need more info to figure out what that may be. To them, you've been extended what they're willing to extend based on your profile. What do your reports look like?

They are clean reports. Everything is updated that I can see. No Derogatories, Late payments, etc. I have 0% utilization. Income not including my wife's income ~ $73K. The newest accounts are the ones referenced in this thread (Citi, Amex, Discover). They are over six months old and I haven't applied for anything since then (and don't intend to). I was thinking that either I would need more income to justify CLIs at this point or let the inquiries age for longer.

Re: How do I get Citi & Discover & Amex to like me?

xXIDaShizIXx — Sat, 16 Jan 2016 21:40:11 GMT

Any ideas?

Re: How do I get Citi & Discover & Amex to like me?

Anonymous — Sat, 16 Jan 2016 21:46:35 GMT

I can't begin to guess what the underwriters have in mind, your credit profile plays a role, how the UW department of each card sees your credit profile plays another. There is no hard and fast solution for low limits. Time helps, but there are some accounts I've had for a year that haven't budged. if too many inquiries is the reason, then lay low for about year and don't apply for anything more. If they think you have too many inquiries already, applying for more cards won't help. In fact you may be asking for adverse action.

Re: How do I get Citi & Discover & Amex to like me?

Anonymous — Sun, 17 Jan 2016 05:18:42 GMT

I would do the HP cli with BOA when your accounts are 12-18 months old, right guys? I dunno, that is what I plan on doing with mine.

Discover should grow quickly if you use it exclusively. Make that the card you carry a balance on. Time to experiment.

Something about your profile spooked citi though. Are your cards listed in order of age?

Re: How do I get Citi & Discover & Amex to like me?

xXIDaShizIXx — Mon, 18 Jan 2016 16:29:49 GMT

@Anonymous wrote:
I would do the HP cli with BOA when your accounts are 12-18 months old, right guys? I dunno, that is what I plan on doing with mine.
Discover should grow quickly if you use it exclusively. Make that the card you carry a balance on. Time to experiment.
Something about your profile spooked citi though. Are your cards listed in order of age?

I'll definitely experiment with the Discover card. I'm letting the inquiries age so I won't be initiating anymore HPs at this point. My newest account is 7 months now. My oldest account is 5 years and 2 months. They aren't listed in order of age. However Citi, Amex, and Discover were the three newest ones.

Re: How do I get Citi & Discover & Amex to like me?

Anonymous — Mon, 18 Jan 2016 17:09:42 GMT

@xXIDaShizIXx wrote:
What do I need to do to get credit limit increases for my Citi AAdvantage, Discover IT Miles, or American Express Delta Gold? I've had them all for at least 6 months or longer. I received a $500 increase from Discover about one month after opening, but nothing after that. I have not had any other inquiries since opening them and nothing else. I tried the 61 day CLI from Amex and did not get it. I pay in full and never carry a balance. Scores are in the 750s. Approximately 7 inquiries on TU and EQ. 9 on EX. AAoA is 3 years.

Believe it or not, 6 months isn't enough time. What I will tell you is to use the said cards alot, pay more than the minimum amount due, don't amass alot of inquiries etc.. There is no trick to getting these banks to like you but responsible use.

With Citi, they seem to want more poeple to get the AA card based on what I saw this past week on a flight to DC. The Air Hostesses were aggresively taking applications and kept going on and on about how special the card was like every 20 minutes (Ridiculous if you ask me).

So do the right things with Citi especially and they will give you an increase in no time.

Re: How do I get Citi & Discover & Amex to like me?

xXIDaShizIXx — Wed, 20 Jan 2016 01:09:04 GMT

@Anonymous wrote:
@xXIDaShizIXx wrote:
What do I need to do to get credit limit increases for my Citi AAdvantage, Discover IT Miles, or American Express Delta Gold? I've had them all for at least 6 months or longer. I received a $500 increase from Discover about one month after opening, but nothing after that. I have not had any other inquiries since opening them and nothing else. I tried the 61 day CLI from Amex and did not get it. I pay in full and never carry a balance. Scores are in the 750s. Approximately 7 inquiries on TU and EQ. 9 on EX. AAoA is 3 years.

Believe it or not, 6 months isn't enough time. What I will tell you is to use the said cards alot, pay more than the minimum amount due, don't amass alot of inquiries etc.. There is no trick to getting these banks to like you but responsible use.

With Citi, they seem to want more poeple to get the AA card based on what I saw this past week on a flight to DC. The Air Hostesses were aggresively taking applications and kept going on and on about how special the card was like every 20 minutes (Ridiculous if you ask me).

So do the right things with Citi especially and they will give you an increase in no time.

The only thing that made me wonder is that I have never had a request CLI button on my citi account under account management.

Re: How do I get Citi & Discover & Amex to like me?

Anonymous — Wed, 20 Jan 2016 02:10:19 GMT

@xXIDaShizIXx wrote:
@Anonymous wrote:
@xXIDaShizIXx wrote:
What do I need to do to get credit limit increases for my Citi AAdvantage, Discover IT Miles, or American Express Delta Gold? I've had them all for at least 6 months or longer. I received a $500 increase from Discover about one month after opening, but nothing after that. I have not had any other inquiries since opening them and nothing else. I tried the 61 day CLI from Amex and did not get it. I pay in full and never carry a balance. Scores are in the 750s. Approximately 7 inquiries on TU and EQ. 9 on EX. AAoA is 3 years.

Believe it or not, 6 months isn't enough time. What I will tell you is to use the said cards alot, pay more than the minimum amount due, don't amass alot of inquiries etc.. There is no trick to getting these banks to like you but responsible use.

With Citi, they seem to want more poeple to get the AA card based on what I saw this past week on a flight to DC. The Air Hostesses were aggresively taking applications and kept going on and on about how special the card was like every 20 minutes (Ridiculous if you ask me).

So do the right things with Citi especially and they will give you an increase in no time.
The only thing that made me wonder is that I have never had a request CLI button on my citi account under account management.

I'd call to see why. But keep using the card as the CLI request is a hardpull anyway unless you don't mind...

Re: How do I get Citi & Discover & Amex to like me?

mitchblue — Wed, 20 Jan 2016 04:01:54 GMT

$500 from Discover after 1 month, count yourself lucky. Took me over a year to get $250.

Re: How do I get Citi & Discover & Amex to like me?

DU556 — Thu, 21 Jan 2016 07:29:55 GMT

Took me 10 years plus opening a checking/savings account with Discover to finally get an increase to $10k on my Miles card. Marriot Premier approved at $13.5k from the start and Amex from $4k to $23.3k in about 8 months. Discover didn't like me for a while I guess.