topic Re: Citi DC in Credit Cards

Citi DC

IncrsCreditScore1 — Fri, 21 Apr 2017 19:58:57 GMT

Have had the card for over 6 months now and run lots of dollars through it every month which doesn't help my utilization since they did not approve a very large amount. Citi never gave me the automatic love that so mamy on these forums reported, so called them about a SP CLI. Was initially told there would be no HP, but then the CSR advised that for some reason a HP would be required before a decision could be made. He seemed as puzzled as I was. Of course, I told him no HP that I would wait a few more months. I pay in full every month, sometimes more than once a month, and have always paid a few days ahead of time. My FICO scores are good. Any guesses as to what is going on? Any advice?

Re: Citi DC

Anonymous — Fri, 21 Apr 2017 20:14:10 GMT

Can you afford the HP. With your scores (not sure of your complete profile) and history with them...you may get a pretty nice increase....good luck!! It would take you out of the garden though...so I get it...

Re: Citi DC

Gmood1 — Fri, 21 Apr 2017 20:13:14 GMT

Go to your online account and check to see if it shows a SP increase. If so, request your desired limit from there. If it gives you an increase and that increase isn't enough. Request a HP increase and shoot for the stars.
It has to be pass the 6 months mark before it will allow an increase IME. And not a day sooner.

Re: Citi DC

Anonymous — Fri, 21 Apr 2017 20:29:52 GMT

I had initially been approved with an SL of $1,500 and then immediately requested a CLI upon receipt of the card at the same time as I had activated it, without even using it for any transactions, and they gave me a bump to $5,000 with that HP. The CLI link was there on my screen, and it did warn me of a HP, but I was willing to go for it. I requested 10,000 and got 5,000.

I'd say if you realllyyyyyy want the CLI for util purposes, and are willing to take the HP, it seems to be quite beneficial. If I was able to get that without even having any spend on the card, I'd venture to say you could get a significant bump as well with your usage. Most of my cards at the time of approval were at 8,000-12,000 which is why I was eager to request a CLI even if it costed me a HP. I mean, I'd already spree'd up on apps, one more HP wasn't gonna kill me.

Re: Citi DC

nachoslibres — Sat, 22 Apr 2017 23:03:38 GMT

I've had my DC for 20 months now, $9k starting limit. I normally put about $6k a month on the card and have had to pay the card in the middle of the month else I would have hit the limit. Everytime I have checked online for a CLI it would require an HP which I wasn't going to do. I've finally decided to move all my DC spend to my new Amex SPG card and for those few merchants that don't take Amex I'm moving the rest to my Chase FU.

Re: Citi DC

NRB525 — Sat, 22 Apr 2017 23:27:25 GMT

@IncrsCreditScore wrote:
Have had the card for over 6 months now and run lots of dollars through it every month which doesn't help my utilization since they did not approve a very large amount. Citi never gave me the automatic love that so mamy on these forums reported, so called them about a SP CLI. Was initially told there would be no HP, but then the CSR advised that for some reason a HP would be required before a decision could be made. He seemed as puzzled as I was. Of course, I told him no HP that I would wait a few more months. I pay in full every month, sometimes more than once a month, and have always paid a few days ahead of time. My FICO scores are good. Any guesses as to what is going on? Any advice?

It is probably just too early. Keep checking on line, and eventually the CLI text with "no credit report will be requested" will show up, then you can try for a SP CLI.

Or, as others suggested, just use the HP to see what CLI you can get for that effort. But yeah, out of the garden.

I would just remain patient until the SP button comes up.

Re: Citi DC

AverageJoesCredit — Sat, 22 Apr 2017 23:39:35 GMT

If your profile is good or Citi loves you you may get the sp increase. But not everyone gets the sp love just because its there. I finally got one 9 months in but they dont want to give me any luv. They did give me 600 bucks recently ,lol, which basically set back that 6 months timetable. Hopefully next time i am eligble they at least give that standard looking $12-1400 most get. If not ah well onto orher cards.

Ps, Wow Nachos Libres, 6k a month and only 9k . In your case i would take the hp just because they might really open up the card for someone with that kind if spend

Re: Citi DC

Anonymous — Sun, 23 Apr 2017 01:05:33 GMT

Every time I've went to their CLI screen, it has always shown the "no credit report" text but half the time I get denied anyways.

Of the last two attempts, the first was a denial, the second, 2 weeks later, got me a 1400 bump... They're wierd...

Re: Citi DC

Anonymous — Sun, 23 Apr 2017 02:36:18 GMT

@IncrsCreditScore wrote:
Have had the card for over 6 months now and run lots of dollars through it every month which doesn't help my utilization since they did not approve a very large amount. Citi never gave me the automatic love that so mamy on these forums reported, so called them about a SP CLI. Was initially told there would be no HP, but then the CSR advised that for some reason a HP would be required before a decision could be made. He seemed as puzzled as I was. Of course, I told him no HP that I would wait a few more months. I pay in full every month, sometimes more than once a month, and have always paid a few days ahead of time. My FICO scores are good. Any guesses as to what is going on? Any advice?

I'm a little confused by a few things. You said you run lots of dollars through your card which doesn't help your utilization but later say that you PIF every month. Utilization is based on your reported balance at the end of every cycle. That's it. Utilization has nothing to do with the amount of dollars your run through a card, so I wasn't really sure what you meant.

Re: Citi DC

UncleB — Sun, 23 Apr 2017 03:50:28 GMT

@Anonymous wrote:
@IncrsCreditScore wrote:
Have had the card for over 6 months now and run lots of dollars through it every month which doesn't help my utilization since they did not approve a very large amount. Citi never gave me the automatic love that so mamy on these forums reported, so called them about a SP CLI. Was initially told there would be no HP, but then the CSR advised that for some reason a HP would be required before a decision could be made. He seemed as puzzled as I was. Of course, I told him no HP that I would wait a few more months. I pay in full every month, sometimes more than once a month, and have always paid a few days ahead of time. My FICO scores are good. Any guesses as to what is going on? Any advice?
I'm a little confused by a few things. You said you run lots of dollars through your card which doesn't help your utilization but later say that you PIF every month. Utilization is based on your reported balance at the end of every cycle. That's it. Utilization has nothing to do with the amount of dollars your run through a card, so I wasn't really sure what you meant.

I believe what @IncrsCreditScore1 means is that the high utilization reporting isn't helping scores any, regardless of the PIF.

I used to have the same problem with my BCP; with a low credit line and heavy usage it perpetually reported with high utilization (and I got dinged for that) even though I always PIF; once I got a CLI the problem went away.

While it's possible to pay before the statement closes to bypass this issue many of us don't want to be burdened with this each month. Especially if you have a number of cards (which describes many of us here) it's easier to just pay the bills as they come.

Edit: can't spell

Re: Citi DC

Anonymous — Sun, 23 Apr 2017 04:39:14 GMT

Right, I get that. I just think if it came down to scoring and necessity I would PIF and then continue to make a payment or two in the days right before the new statement balance just to ensure it was a small percentage.

Re: Citi DC

SouthJamaica — Sun, 23 Apr 2017 04:44:25 GMT

@IncrsCreditScore wrote:
Have had the card for over 6 months now and run lots of dollars through it every month which doesn't help my utilization since they did not approve a very large amount. Citi never gave me the automatic love that so mamy on these forums reported, so called them about a SP CLI. Was initially told there would be no HP, but then the CSR advised that for some reason a HP would be required before a decision could be made. He seemed as puzzled as I was. Of course, I told him no HP that I would wait a few more months. I pay in full every month, sometimes more than once a month, and have always paid a few days ahead of time. My FICO scores are good. Any guesses as to what is going on? Any advice?

Basically the Citi DC card is tough for CLI's, but the basics are:

1. They don't give them out easily

2. Only very very rarely do they give out auto CLI's

3. The only way to get a soft pull is if the credlt limit increase section tells you no credit report will be pulled

4. If you get a CLI you should wait at least 6 months to try for another

Re: Citi DC

jawbrkr — Sun, 23 Apr 2017 17:04:23 GMT

Ok, well here is another situation. I received a soft pull CLI through the citi website in January and got $1600. I figured the soft pull CLI would have disappeared for at least another 6 months. It's back on again for me. I mean, I dont wanna put in another request when it shows a sp and then get tagged with a hp. I think someone on these forums had mentioned that they were tagged with a HP after the website showed a soft pull was all that was needed.

Re: Citi DC

AverageJoesCredit — Sun, 23 Apr 2017 17:29:46 GMT

If the 6 months hasnt past since your last sp, i dont think youd get it even if you hit the button.YMMV of course. No harm hitting the luv button with sp language if your not eligble, youll get the letter.

Re: Citi DC

IncrsCreditScore1 — Sun, 23 Apr 2017 19:56:56 GMT

@Anonymous wrote:
@IncrsCreditScore wrote:
Have had the card for over 6 months now and run lots of dollars through it every month which doesn't help my utilization since they did not approve a very large amount. Citi never gave me the automatic love that so mamy on these forums reported, so called them about a SP CLI. Was initially told there would be no HP, but then the CSR advised that for some reason a HP would be required before a decision could be made. He seemed as puzzled as I was. Of course, I told him no HP that I would wait a few more months. I pay in full every month, sometimes more than once a month, and have always paid a few days ahead of time. My FICO scores are good. Any guesses as to what is going on? Any advice?
I'm a little confused by a few things. You said you run lots of dollars through your card which doesn't help your utilization but later say that you PIF every month. Utilization is based on your reported balance at the end of every cycle. That's it. Utilization has nothing to do with the amount of dollars your run through a card, so I wasn't really sure what you meant.

I do pay in full every month, Brutal, and sometimes more than once a month. I have even tried figuring out when they actually report to the bureaus. However, no matter what, high utilization is always reported. I don't understand how you are confused.

Re: Citi DC

IncrsCreditScore1 — Sun, 23 Apr 2017 20:00:44 GMT

@SouthJamaica wrote:
@IncrsCreditScore wrote:
Have had the card for over 6 months now and run lots of dollars through it every month which doesn't help my utilization since they did not approve a very large amount. Citi never gave me the automatic love that so mamy on these forums reported, so called them about a SP CLI. Was initially told there would be no HP, but then the CSR advised that for some reason a HP would be required before a decision could be made. He seemed as puzzled as I was. Of course, I told him no HP that I would wait a few more months. I pay in full every month, sometimes more than once a month, and have always paid a few days ahead of time. My FICO scores are good. Any guesses as to what is going on? Any advice?
Basically the Citi DC card is tough for CLI's, but the basics are:

1. They don't give them out easily
2. Only very very rarely do they give out auto CLI's
3. The only way to get a soft pull is if the credlt limit increase section tells you no credit report will be pulled
4. If you get a CLI you should wait at least 6 months to try for another

Thanks, Jamaica. I have never even seen a credit limit increase section on the screen. Sure wish they would give me a nice CLI. I did not realize the DC was that tough on giving out CLIs. Now I know.

Re: Citi DC

IncrsCreditScore1 — Sun, 23 Apr 2017 20:05:42 GMT

@AverageJoesCredit wrote:
If the 6 months hasnt past since your last sp, i dont think youd get it even if you hit the button.YMMV of course. No harm hitting the luv button with sp language if your not eligble, youll get the letter.

I got the card on September 14, 2016, and have never had a CLI of any kind. The approval for the card, of course, was a HP. I do have a Costco card with a credit limit that I will never use. I am wondering if Citi would be willing to transfer some of that to my DC.

Re: Citi DC

Anonymous — Sun, 23 Apr 2017 20:28:10 GMT

@IncrsCreditScore wrote:
@Anonymous wrote:
@IncrsCreditScore wrote:
Have had the card for over 6 months now and run lots of dollars through it every month which doesn't help my utilization since they did not approve a very large amount. Citi never gave me the automatic love that so mamy on these forums reported, so called them about a SP CLI. Was initially told there would be no HP, but then the CSR advised that for some reason a HP would be required before a decision could be made. He seemed as puzzled as I was. Of course, I told him no HP that I would wait a few more months. I pay in full every month, sometimes more than once a month, and have always paid a few days ahead of time. My FICO scores are good. Any guesses as to what is going on? Any advice?
I'm a little confused by a few things. You said you run lots of dollars through your card which doesn't help your utilization but later say that you PIF every month. Utilization is based on your reported balance at the end of every cycle. That's it. Utilization has nothing to do with the amount of dollars your run through a card, so I wasn't really sure what you meant.
I do pay in full every month, Brutal, and sometimes more than once a month. I have even tried figuring out when they actually report to the bureaus. However, no matter what, high utilization is always reported. I don't understand how you are confused.

They show the statement close date right there on the main account page... I make sure no other charges are pending and PIF 2 days before and it always closes with a 0 balance.

Re: Citi DC

Anonymous — Sun, 23 Apr 2017 23:23:25 GMT

I recently got this card after being flat out rejected for it 2 years ago because of too many INQs. They approved me with $3,900 CL. As soon as I got the card they bumped it to $8K with a HP. I recommend the OP contact them and ask for a HP. Aim high with the CL you want. I said $10 and they countered $8.

Re: Citi DC

SouthJamaica — Mon, 24 Apr 2017 01:02:18 GMT

@IncrsCreditScore wrote:
@SouthJamaica wrote:
@IncrsCreditScore wrote:
Have had the card for over 6 months now and run lots of dollars through it every month which doesn't help my utilization since they did not approve a very large amount. Citi never gave me the automatic love that so mamy on these forums reported, so called them about a SP CLI. Was initially told there would be no HP, but then the CSR advised that for some reason a HP would be required before a decision could be made. He seemed as puzzled as I was. Of course, I told him no HP that I would wait a few more months. I pay in full every month, sometimes more than once a month, and have always paid a few days ahead of time. My FICO scores are good. Any guesses as to what is going on? Any advice?
Basically the Citi DC card is tough for CLI's, but the basics are:

1. They don't give them out easily
2. Only very very rarely do they give out auto CLI's
3. The only way to get a soft pull is if the credlt limit increase section tells you no credit report will be pulled
4. If you get a CLI you should wait at least 6 months to try for another
Thanks, Jamaica. I have never even seen a credit limit increase section on the screen. Sure wish they would give me a nice CLI. I did not realize the DC was that tough on giving out CLIs. Now I know.

It's there, you just have to look for it:

Account Management > Services > Credit Line Increase