topic Re: Citi is strange in Credit Cards

Citi is strange

Anonymous — Tue, 09 Feb 2016 17:15:37 GMT

I have two prime cards from Citi. A Diamond Preferred opened in 2010 that I PC'd to a Double Cash, and a Thank You Preferred I opened in 2013. The Thank You card limit has went up several times through auto CLIs and SP CLIs I initiated. I think the original limit on my TYP was $1.5k. It is now at $9k. The Double Cash (formerly Diamond Preferred) has been a totally different story. The original CL on this card was $2k when I opened it. It never had any auto CLIs, and I have only gotten one SP CLI which put it at a $3.6k limit.

I tried another SP CLI last night and got denied. Any idea why the newer card is growing, and the older DC has been pratically stagnant for 6 years? I'm thinking about closing it. Waiting for $20 before you can redeem your cash back is kinda lame.

Re: Citi is strange

Mantis350 — Tue, 09 Feb 2016 17:19:53 GMT

Citi is a mystery sometimes. On Sunday I tried for a SP CLI and was declined. On Monday, I tried again entering the exact same info and was approved for a $1,200 increase. Just baffles me sometimes how the computer algorithms work at these companies.

Re: Citi is strange

Anonymous — Tue, 09 Feb 2016 17:27:21 GMT

You are receiving CLIs with Citi in general, so they are indicating that you have creditworthiness.

I would just make sure that you didn't opt-out of auto CLIs on DC. Otherwise, they are giving you increases, its just not the specific account you want. Maybe consider moving some of the credit lines around?

Re: Citi is strange

Anonymous — Tue, 09 Feb 2016 19:10:21 GMT

Citi can combine credit limits now? I thought last time I searched about that on here, it wasn't an option with them. I'll research some more.