topic How's Citi Bank with CLI's? in Credit Cards

How's Citi Bank with CLI's?

FICOADDICTED — Tue, 03 Feb 2009 01:26:17 GMT

I'm just wondering how is Citi with CLI's; just got the Citi Cash Return and hoping to grow the limit with them..

Thanks!

Re: How's Citi Bank with CLI's?

fused — Tue, 03 Feb 2009 02:15:51 GMT

They have been cheap to me. Others will disagree.

Re: How's Citi Bank with CLI's?

FICOADDICTED — Tue, 03 Feb 2009 02:30:13 GMT

This is my first Citi major credit card; I have a Home Depot card in which I opened last 5/2008 and I got a CLI (+1400.00) 2 weeks ago without asking. So I assumed they do an auto CLI's; I hope they apply to major credit cards.

Thanks...

Re: How's Citi Bank with CLI's?

Anonymous — Tue, 03 Feb 2009 02:56:39 GMT

I have a Dividend card. The first time of having the card, I think Citi likes you to have it for six months of activity before any request.

When you sign up for your online account, Citi actually makes it very convenient for CLIs. There is a "Request Credit Line Increase" button that should be there, but if you press it before six months, it usually declines. After six months, the button re-appears (at least for me) every two months. So far, I haven't been declined yet, and the CLIs have been in the 800 dollar range.

I honestly think that Citi is a good company. Their costumer service was really nice when I did a product change just this morning.

Wish you luck with Citi as well!

Re: How's Citi Bank with CLI's?

Anonymous — Tue, 03 Feb 2009 02:58:42 GMT

I opened my Citi card in February of 2008. They gave me an initial CL of $6000. They have auto-CLI'd me to $10,200 since.

Re: How's Citi Bank with CLI's?

wmarat — Tue, 03 Feb 2009 02:59:28 GMT

I got CashReturns in 10/2007, initial CL was $3900. Now this card has CL of $11300 and 5.99% APR.

Re: How's Citi Bank with CLI's?

FICOADDICTED — Tue, 03 Feb 2009 03:11:51 GMT

Thanks SYale - I really want to grow with them. They gave me a nice limit with Citi Cash $10900 even with my Home Depot, just wondering with CLI's.

Re: How's Citi Bank with CLI's?

Anonymous — Tue, 03 Feb 2009 07:05:59 GMT

They've showed me nothing, nothing but LOVE!!! I've had the card since 11/2000 and started with ~$4,500 CL. Over the course of 8 years they have auto CLI'd me to $25,000. I think in the 8 years I've requested once and the rest were auto CLI.

I was also the recipient of one of their "Change of Term" letters and with one call they rescinded the letter and lowered my APR by 1%.

Message Edited by RenoFico on 02-02-2009 11:05 PM