topic 0Re: How good are Citi DC starting lines? in Credit Cards

How good are Citi DC starting lines?

Anonymous — Sat, 24 Dec 2016 16:58:24 GMT

I just got a pre-qual in the mail for the Citi DC, which is a card that I'd like to have to effectively replace my Quicksilver. But I currently have three cards (got all of them in the past 9 months) and I want to also try for a Chase Freedom later this year. Due to the 5/24 rule this of course leaves me room for one more card.

I've read that Chase basically matches your other credit limits which is why I don't want to app for it quite yet as my limits are very low (500, 600, and 1,250) so I want to make sure that whatever I get next has a good chance of offering a higher SL now that my credit is in the low 700s.

The Amex BCE is what I've had in mind for this because of the 60 day 3X CLI. I figure use the Amex to get my available credit higher and get myself in a better position. But is Citi decent for this too or are they conservative when it comes to starting limits?

Re: How good are Citi DC starting lines?

Blodreina — Sat, 24 Dec 2016 17:41:28 GMT

@Anonymous wrote:
I just got a pre-qual in the mail for the Citi DC, which is a card that I'd like to have to effectively replace my Quicksilver. But I currently have three cards (got all of them in the past 9 months) and I want to also try for a Chase Freedom later this year. Due to the 5/24 rule this of course leaves me room for one more card.

I've read that Chase basically matches your other credit limits which is why I don't want to app for it quite yet as my limits are very low (500, 600, and 1,250) so I want to make sure that whatever I get next has a good chance of offering a higher SL now that my credit is in the low 700s.

The Amex BCE is what I've had in mind for this because of the 60 day 3X CLI. I figure use the Amex to get my available credit higher and get myself in a better position. But is Citi decent for this too or are they conservative when it comes to starting limits?

It's going to vary but anecdotally, Citi seems to give lower starting limits from what I've seen around the forums. However, people have been successful in taking another HP for an increase (I did this myself). I think going the BCE route is a good plan, too.

Re: How good are Citi DC starting lines?

AverageJoesCredit — Sat, 24 Dec 2016 17:50:17 GMT

Agreed , from what ive seen unless your profile is rock solid and they like your profile profusedly, it seems they give low cls, even to people you would think would warrant higher. Only true way to know what they will give is to app. Good luck

Re: How good are Citi DC starting lines?

Ysettle4 — Sat, 24 Dec 2016 17:54:10 GMT

I had a pre-selected offer via mailer and applied. Received a starting limit of $9K which is actually one of the higher starting limits for the DC card.

0Re: How good are Citi DC starting lines?

EAJuggalo — Sat, 24 Dec 2016 22:26:30 GMT

I got approved last week for a DC with an $800 limit. Which matches my highest non Cap1 limit.

Re: How good are Citi DC starting lines?

cjesser15 — Sun, 25 Dec 2016 02:41:51 GMT

I think I started at around $4K which was my lowest limit by quite a bit. After about 2 years it's finally started growing for me and I'm up to $7700. Still my lowest limit but barely.

Re: How good are Citi DC starting lines?

Anonymous — Sun, 25 Dec 2016 03:47:07 GMT

@Ysettle4 wrote:
I had a pre-selected offer via mailer and applied. Received a starting limit of $9K which is actually one of the higher starting limits for the DC card.

Love your MV Agusta avatar!

Well thanks for the feedback guys, looks like I'll definitely go with Amex first instead of Citi as they seem to have looser pocket strings when it comes to SLs. Appreciate the help!

Re: How good are Citi DC starting lines?

Anonymous — Sun, 25 Dec 2016 11:31:15 GMT

@Ysettle4 wrote:
I had a pre-selected offer via mailer and applied. Received a starting limit of $9K which is actually one of the higher starting limits for the DC card.

That's a great SL. What is your APR going to be (assuming you'll have a $0 APR intro)?

Re: How good are Citi DC starting lines?

Ysettle4 — Sun, 25 Dec 2016 14:16:02 GMT

@Anonymous wrote:
@Ysettle4 wrote:
I had a pre-selected offer via mailer and applied. Received a starting limit of $9K which is actually one of the higher starting limits for the DC card.

That's a great SL. What is your APR going to be (assuming you'll have a $0 APR intro)?

0% for 18 months then it's 14.24% afterwards.

Re: How good are Citi DC starting lines?

SouthJamaica — Sun, 25 Dec 2016 15:27:02 GMT

@Anonymous wrote:
I just got a pre-qual in the mail for the Citi DC, which is a card that I'd like to have to effectively replace my Quicksilver. But I currently have three cards (got all of them in the past 9 months) and I want to also try for a Chase Freedom later this year. Due to the 5/24 rule this of course leaves me room for one more card.

I've read that Chase basically matches your other credit limits which is why I don't want to app for it quite yet as my limits are very low (500, 600, and 1,250) so I want to make sure that whatever I get next has a good chance of offering a higher SL now that my credit is in the low 700s.

The Amex BCE is what I've had in mind for this because of the 60 day 3X CLI. I figure use the Amex to get my available credit higher and get myself in a better position. But is Citi decent for this too or are they conservative when it comes to starting limits?

Citi DC is known to be conservative, and has been in my case.

Re: How good are Citi DC starting lines?

Anonymous — Sun, 25 Dec 2016 15:47:42 GMT

Ysettle4 grat's on an outstanding Citi DC CL approval! Must be one of the highest before recon ... Unreal!

Re: How good are Citi DC starting lines?

Anonymous — Sun, 25 Dec 2016 17:16:38 GMT

Re: How good are Citi DC starting lines?

Ysettle4 — Sun, 25 Dec 2016 18:49:53 GMT

@Anonymous wrote:
Ysettle4 grat's on an outstanding Citi DC CL approval! Must be one of the highest before recon ... Unreal!

Thanks! A bit suprising as they often low-ball inital limits on DC cards. I didn't see the need to recon this one

Re: How good are Citi DC starting lines?

dt3813 — Tue, 27 Dec 2016 01:03:46 GMT

My starting limit was $8,000 ... I had unfortunately included them in my Ch.13, for at least $40K. I'm thankful they let me back in.

Re: How good are Citi DC starting lines?

Rossdaniel87 — Tue, 27 Dec 2016 03:33:14 GMT

Got mine back in April, through a pre quailified mailer, starting limit was $700. Definitely my lowest limit, and there was no correlation to the limit on any other account. Just this month I was able to get the SP CLI to make it $1500.

Re: How good are Citi DC starting lines?

gardini51 — Mon, 02 Jan 2017 23:01:24 GMT

I've had mine about a year and a half. I got a $10,600 limit on mine.