topic Re: Citi DC CLI? in Credit Cards

Citi DC CLI?

Anonymous — Fri, 09 Sep 2016 16:01:13 GMT

Should I wait for my 6th statement to cut on my DC to ask for a CLI? Or does it go by open date? I have the soft pull wording. My open date was over 6 months ago. My statement cuts 9/15. I would love to try for a CLI before my Venture reports on 9/13. Just did a balance transfer from Chase to Cap 1 and my score is up a bit. Will lose that when Cap 1 reports.

Re: Citi DC CLI?

GeorgiaBulldog — Fri, 09 Sep 2016 18:15:20 GMT

In my experience, it won't hurt to try.

I took an HP for a CLI ~1 month after opening. Just a few months later I had the SP language and went ahead and attempted it, but denied because it hadn't been 6 months. Didn't reset a timer or anything, though--got a SP CLI 6 months after the HP.

Based on that, you should be ok.

Re: Citi DC CLI?

SMikulski49 — Fri, 09 Sep 2016 19:13:09 GMT

it has been lil over 6 months since I got my DC card and I tried to do it today but was denied haha. It says I have the max limit and they will have to do a HP and review my profile to consider me for me. My current limit is 24K, was wondering if anyone else got that message.

Re: Citi DC CLI?

Anonymous — Fri, 09 Sep 2016 20:29:21 GMT

@SMikulski49 wrote:
it has been lil over 6 months since I got my DC card and I tried to do it today but was denied haha. It says I have the max limit and they will have to do a HP and review my profile to consider me for me. My current limit is 24K, was wondering if anyone else got that message.

That is a monstrous limit for the DC. I would not expect any more CL on it. Most of us with 730-750 are hovering at the 4000-7000 SL area, for reference.

Re: Citi DC CLI?

Anonymous — Fri, 09 Sep 2016 20:56:24 GMT

@Anonymous wrote:
@SMikulski49 wrote:
it has been lil over 6 months since I got my DC card and I tried to do it today but was denied haha. It says I have the max limit and they will have to do a HP and review my profile to consider me for me. My current limit is 24K, was wondering if anyone else got that message.
That is a monstrous limit for the DC. I would not expect any more CL on it. Most of us with 730-750 are hovering at the 4000-7000 SL area, for reference.

That is a huge DC limit! I thought I was doing good with a $7000 SL. And yes my credit score is usually in the 740's. I'm going to try for a CLI tomorrow. I looked on Credit Karmea and my open date was 3/10.

Re: Citi DC CLI?

Anonymous — Fri, 09 Sep 2016 21:31:23 GMT

Does the SP offer come 6 months after open date or on the 6th statement? It took me a while to make a purchase so I'll be 6-mo-old next month but my 6th statement won't be until Nov. It should be next month for me, right? Edit: lol this was the original question from OP. Clarification would be great!

Re: Citi DC CLI?

AverageJoesCredit — Sat, 10 Sep 2016 02:16:15 GMT

I would imagine if you have soft pull wording that you can try now.

I wish i could get the sp verbiage. Ive come upon my 6 month but dont see anything but the we will pull a credit report. Been there,done that, no results no thanks. Does anyone know that when you receive the sp wording does it show up in your offers or will you see it when you click on the request cli link?. Ive been hoping that they would offer this , been checking almost daily since i cracked the 6 month date i opened this card. However im probably in the bracket of people who dont receive sp clis, have seen our fellow myficoer, SJ, not get one sp verbiage gor like 2 years so im assuming if i dont get one this month, im basicaly SOL Sorry guys , just another frustration in the Citi limelight

Re: Citi DC CLI?

Anonymous — Sat, 10 Sep 2016 02:48:59 GMT

Which bureau for Citi CLIs? EX?

Re: Citi DC CLI?

Anonymous — Sat, 10 Sep 2016 03:23:04 GMT

@Anonymous wrote:
Which bureau for Citi CLIs? EX?

I was double pulled eq/ex for application and when I took HP for additional increase it was EQ only. I'm in Indiana.

Re: Citi DC CLI?

Anonymous — Sat, 10 Sep 2016 03:59:24 GMT

Does being denied for a citi HP cli reset the 6 month timer?

Re: Citi DC CLI?

Anonymous — Sat, 10 Sep 2016 04:09:57 GMT

@Anonymous wrote:
Does being denied for a citi HP cli reset the 6 month timer?

To the best of my knowledge, no. I know that getting denied a SP request does not reset the 6 month timer, so I'm assuming denial on a HP would not reset it. The verbage they always use is '6 months between increases"

Re: Citi DC CLI?

Anonymous — Sat, 10 Sep 2016 14:33:55 GMT

@Anonymous wrote:
Does the SP offer come 6 months after open date or on the 6th statement? It took me a while to make a purchase so I'll be 6-mo-old next month but my 6th statement won't be until Nov. It should be next month for me, right? Edit: lol this was the original question from OP. Clarification would be great!

FYI- Well I tried today... denied I will try again after my 6th statement cuts.

Re: Citi DC CLI?

Anonymous — Sat, 10 Sep 2016 15:19:31 GMT

@Anonymous wrote:
@Anonymous wrote:
Does the SP offer come 6 months after open date or on the 6th statement? It took me a while to make a purchase so I'll be 6-mo-old next month but my 6th statement won't be until Nov. It should be next month for me, right? Edit: lol this was the original question from OP. Clarification would be great!
FYI- Well I tried today... denied I will try again after my 6th statement cuts.

Sorry. What was/were the denial reason(s)? ~~Is your card 6 months old yet?~~ I just saw your othe post.

Re: Citi DC CLI?

Anonymous — Sat, 10 Sep 2016 15:06:04 GMT

Citi credit cards are eligible for CLIs every 6 months, but it's not a guarantee you will get one. Lately, I've noticed people being denied for too many inquiries. Does it mean they have become inquiry sensitive or are they tightening the belt? Idk. I'm sure others will chime in with their opinions.

If there is a specific credit limit you want with Citi, I suggest taking a HP to get it. Aim high, they will counter if you're not eligible for the limit you requested. Please make sure that your credit profile and income are inline with the credit you seek.

Good luck everyone!

Re: Citi DC CLI?

Anonymous — Sat, 10 Sep 2016 15:23:35 GMT

@SMikulski49 wrote:
it has been lil over 6 months since I got my DC card and I tried to do it today but was denied haha. It says I have the max limit and they will have to do a HP and review my profile to consider me for me. My current limit is 24K, was wondering if anyone else got that message.

I have received this message. I continued to pay on my BT (Simplicity) and after a few months submitted a CLI and was approved. I took a HP to ask for the limit I wanted. I did the same for the DC. Simplicity & DC are the only credit products I have with Citi.

Re: Citi DC CLI?

Anonymous — Sat, 10 Sep 2016 15:16:18 GMT

@Anonymous wrote:
@SMikulski49 wrote:
it has been lil over 6 months since I got my DC card and I tried to do it today but was denied haha. It says I have the max limit and they will have to do a HP and review my profile to consider me for me. My current limit is 24K, was wondering if anyone else got that message.
That is a monstrous limit for the DC. I would not expect any more CL on it. Most of us with 730-750 are hovering at the 4000-7000 SL area, for reference.

If SM's credit profile and income support it, he/she could get a higher credit limit. If he/she has other credit cards with Citi, it could also impact their decision.

Re: Citi DC CLI?

Anonymous — Sat, 10 Sep 2016 15:17:28 GMT

@SMikulski49 wrote:
it has been lil over 6 months since I got my DC card and I tried to do it today but was denied haha. It says I have the max limit and they will have to do a HP and review my profile to consider me for me. My current limit is 24K, was wondering if anyone else got that message.

Do you have other credit products with Citi? If yes, what is your total exposure with them?

Re: Citi DC CLI?

Anonymous — Sat, 10 Sep 2016 15:20:54 GMT

@beautifulblaquepearl wrote:
@Anonymous wrote:
@Anonymous wrote:
Does the SP offer come 6 months after open date or on the 6th statement? It took me a while to make a purchase so I'll be 6-mo-old next month but my 6th statement won't be until Nov. It should be next month for me, right? Edit: lol this was the original question from OP. Clarification would be great!
FYI- Well I tried today... denied I will try again after my 6th statement cuts.
Sorry. What was/were the denial reason(s)? Is your card 6 months old yet?

My card is 6 mos. old, but 6 statements haven't cut yet. Waiting to get the message alert so I can see the denial reason. Probably too many new accounts.

Re: Citi DC CLI?

Anonymous — Sat, 10 Sep 2016 15:32:59 GMT

@Anonymous wrote:
@beautifulblaquepearl wrote:
@Anonymous wrote:
@Anonymous wrote:
Does the SP offer come 6 months after open date or on the 6th statement? It took me a while to make a purchase so I'll be 6-mo-old next month but my 6th statement won't be until Nov. It should be next month for me, right? Edit: lol this was the original question from OP. Clarification would be great!
FYI- Well I tried today... denied I will try again after my 6th statement cuts.
Sorry. What was/were the denial reason(s)? Is your card 6 months old yet?
My card is 6 mos. old, but 6 statements haven't cut yet. Waiting to get the message alert so I can see the denial reason. Probably too many new accounts.

From my understanding 6 months is 6 months with Citi. It doesn't matter about the number of statements. With companies that have 6 month timeframes, I don't usually submit my request on the exact day. I usually wait 3-5 days. I'm not saying this has anything to do with why you were denied. It's just the way I like to handle my credit profile.

Again, sorry you were denied. Please come back and update your thread with the denial reason(s).

Re: Citi DC CLI?

Anonymous — Sat, 10 Sep 2016 16:56:40 GMT

When we do have the SP offer, where would we see it on the account page after login?