topic Re: Citi DC Soft Pull CLI Denial in Credit Cards

Citi DC Soft Pull CLI Denial

SouthJamaica — Sun, 16 Oct 2016 15:42:40 GMT

The lowest credit limit I have is from my Citi DC card, which I've had for almost 2 years.

During all that time I've never gotten a soft pull CLI opportunity. 3 or 4 times I applied for a CLI with a HP, and was denied each time.

Today, for the very first time, I had a soft pull CLI offer, and thought 'finally they're ready to do something'.

I pulled the lever, and of course... it was denied.

Re: Citi DC Soft Pull CLI Denial

Anonymous — Sun, 16 Oct 2016 19:38:21 GMT

What were your reasons for HP denial? SP denial letter will be available electronically tomorrow if you're in paperless

Re: Citi DC Soft Pull CLI Denial

AverageJoesCredit — Sun, 16 Oct 2016 19:49:25 GMT

Sorry to SJ, that really stinks. You would think with your credit they would at least give the sp luv. Whats the most they give on sp, 14-1600 ? Not gonna break the bank there and for having the card 2 years and no love , im sorry to hear such things. Nowhere near you in terms of credit, just finished 1st 6 months with Citi but i already know im not gonna give no more hard pulls for Citi lovin. Do you think you will close it now or sd it?

Re: Citi DC Soft Pull CLI Denial

lhcole77 — Sun, 16 Oct 2016 21:01:34 GMT

Hey SJ. Sorry for denial. Seeing your post prompted me to try again for a SP increase. I logged in, got the SP verbiage for the first time in over a year, tried to get an increase on my double cash and no go as well. Said a HP would be needed. Sooooo, no thanks.

Interesting though, I have three different cards with them and the DC was the only one with the SP verbiage.

Re: Citi DC Soft Pull CLI Denial

SouthJamaica — Sun, 16 Oct 2016 22:15:59 GMT

@Anonymous wrote:
What were your reasons for HP denial? SP denial letter will be available electronically tomorrow if you're in paperless

I don't recall. I don't even recall them ever telling me.

Re: Citi DC Soft Pull CLI Denial

SouthJamaica — Sun, 16 Oct 2016 22:17:02 GMT

@AverageJoesCredit wrote:
Sorry to SJ, that really stinks. You would think with your credit they would at least give the sp luv. Whats the most they give on sp, 14-1600 ? Not gonna break the bank there and for having the card 2 years and no love , im sorry to hear such things. Nowhere near you in terms of credit, just finished 1st 6 months with Citi but i already know im not gonna give no more hard pulls for Citi lovin. Do you think you will close it now or sd it?

On the site they still have me with a 700 EQ FICO Bankcard 8 score, even though my present score is 773. Maybe they're going with the old score.

Re: Citi DC Soft Pull CLI Denial

SouthJamaica — Sun, 16 Oct 2016 22:18:34 GMT

@lhcole77 wrote:
Hey SJ. Sorry for denial. Seeing your post prompted me to try again for a SP increase. I logged in, got the SP verbiage for the first time in over a year, tried to get an increase on my double cash and no go as well. Said a HP would be needed. Sooooo, no thanks.

Interesting though, I have three different cards with them and the DC was the only one with the SP verbiage.

I've been with them almost 2 years and this was the first time I'd ever seen -- on my own screen -- that soft pull language. I had to do a double take, thought maybe I'd been reading MyFICO so long I was starting to hallucinate

Re: Citi DC Soft Pull CLI Denial

Ysettle4 — Sun, 16 Oct 2016 22:40:06 GMT

Same. Opened my AA card in June '15 and have always received the SP cli language but always denied to to a paid CO on my EQ. Now, I'm hopeful however because the status date on it is 10/15 and if they do an AR after that this year then maybe, just maybe I'll get it. I spoke with a credit analyst at Citi and they mentioned not caring about any negs over a year old. Not sure if this would apply to automated or manual reveiws

Re: Citi DC Soft Pull CLI Denial

AverageJoesCredit — Sun, 16 Oct 2016 23:07:38 GMT

I would think even though its the bankcard fico 8 , a 700 would qualify you for at least a bump, more so with an actual hard pull. My last check i was like 633 and for some reason i keep falling like the proverbial rock off a jilted cliff. Always make my payments and do all the right things but with Citi score just keeps droping. Thats why i have just stopped even looking at the request credit line bar , ignorance is bliss

Re: Citi DC Soft Pull CLI Denial

Anonymous — Sun, 16 Oct 2016 23:21:35 GMT

Sounds familiar. Citi has never given me an HP or SP increase on my Citi Double Cash. Called the csr for their explanation and they said I had hit the internal risk limit (based on income, market place total available credit, and Citi credit). What I did do was close the legacy CIti Forward Visa and move the CL to the Citi DC and they did that using the HP that they pulled for the denied CLI I requested. Guess I am done with CLIs with Citi.

Re: Citi DC Soft Pull CLI Denial

Noctilum — Mon, 17 Oct 2016 00:35:25 GMT

I did a soft pull last week and it said I was denied. I currently have a $7,600 limit and it is by far my most used card. Said I would receive a letter in 10 days with the reason why.

Re: Citi DC Soft Pull CLI Denial

SouthJamaica — Mon, 17 Oct 2016 00:38:03 GMT

@Anonymous wrote:
Sounds familiar. Citi has never given me an HP or SP increase on my Citi Double Cash. Called the csr for their explanation and they said I had hit the internal risk limit (based on income, market place total available credit, and Citi credit). What I did do was close the legacy CIti Forward Visa and move the CL to the Citi DC and they did that using the HP that they pulled for the denied CLI I requested. Guess I am done with CLIs with Citi.

Well I doubt increasing my $2600 credit limit will break the bank

Re: Citi DC Soft Pull CLI Denial

lhcole77 — Mon, 17 Oct 2016 13:32:54 GMT

@Corvidae wrote:
I did a soft pull last week and it said I was denied. I currently have a $7,600 limit and it is by far my most used card. Said I would receive a letter in 10 days with the reason why.

Interesting. When I did mine yesterday it didn't say I was denied. It just said we can't give you an answer based off a SP, we will need to HP in order to decide.

OP, what language did you get? Did it actually say denied?

Re: Citi DC Soft Pull CLI Denial

lhcole77 — Mon, 17 Oct 2016 13:45:11 GMT

@Anonymous wrote:
Sounds familiar. Citi has never given me an HP or SP increase on my Citi Double Cash. Called the csr for their explanation and they said I had hit the internal risk limit (based on income, market place total available credit, and Citi credit). What I did do was close the legacy CIti Forward Visa and move the CL to the Citi DC and they did that using the HP that they pulled for the denied CLI I requested. Guess I am done with CLIs with Citi.

Glad you posted this comment. I had wondered if they would use the same HP from a CLI request to reallocate limits.

I think I may be at their internal limit but before I reallocate I may as well try to get an increase on the card IF they will in fact use same HP.

Nothing go lose, right?

Re: Citi DC Soft Pull CLI Denial

Noctilum — Mon, 17 Oct 2016 18:45:13 GMT

I received an e-mail from Citi today saying that I had a document in the Document Center explaining why I was denied, but there is no such letter in there. =\

I just tried for it again since it was a soft pull and was denied, maybe they will actually put up the letter this time.

Re: Citi DC Soft Pull CLI Denial

Anonymous — Tue, 18 Oct 2016 00:56:05 GMT

Curious if something is glitching, lots of people seem to be seeing the SP verbage for the first time ever and all seem to be denials.

I just checked and though I've used the card once and had it a whopping 50 days I got the SP verbage. Denied of course. I really would use it more but they are my lowest limit....argh.

Re: Citi DC Soft Pull CLI Denial

Anonymous — Tue, 18 Oct 2016 01:46:12 GMT

Just tried because of this thread and got $1900 increase. ! Thanks for the tip!

Re: Citi DC Soft Pull CLI Denial

SouthJamaica — Tue, 18 Oct 2016 03:24:51 GMT

@lhcole77 wrote:
@Corvidae wrote:
I did a soft pull last week and it said I was denied. I currently have a $7,600 limit and it is by far my most used card. Said I would receive a letter in 10 days with the reason why.
Interesting. When I did mine yesterday it didn't say I was denied. It just said we can't give you an answer based off a SP, we will need to HP in order to decide.

OP, what language did you get? Did it actually say denied?

I don't remember the exact language but it was a definite denial.

Re: Citi DC Soft Pull CLI Denial

lhcole77 — Tue, 18 Oct 2016 16:42:17 GMT

@SouthJamaica wrote:
I don't remember the exact language but it was a definite denial.

Hmmm. Mine just keeps saying:

We regret that we cannot instantly approve your request for a credit limit increase. If you would like our credit department to review your request further, we will need to obtain a credit bureau report. Our credit department will review your request within 24 hours.

Re: Citi DC Soft Pull CLI Denial

SouthJamaica — Tue, 18 Oct 2016 17:01:04 GMT

@lhcole77 wrote:
@SouthJamaica wrote:
I don't remember the exact language but it was a definite denial.
Hmmm. Mine just keeps saying:

We regret that we cannot instantly approve your request for a credit limit increase. If you would like our credit department to review your request further, we will need to obtain a credit bureau report. Our credit department will review your request within 24 hours.

I'm going to wait for my FICO score on their site to update; it should be much higher than the score presently listed there.

Then I'll apply again if the soft pull language is still there.