topic Re: Citi CLI At Activation - Which Bureau Pulled? in Credit Cards

Citi CLI At Activation - Which Bureau Pulled?

FICOEmpire — Sat, 29 Apr 2017 14:14:59 GMT

I'm wating to receive my Citi DC. Approved at $3400 SL. I'm planning on asking for a CLI after receiving it. I took a HP on EX only for the app. Which other bureau was pulled for others who did the same? And do I request it right after activating it? Online or by phone? Thanks.

Re: Citi CLI At Activation - Which Bureau Pulled?

MyLoFICO — Sat, 29 Apr 2017 14:46:14 GMT

When you get it and setup your online account there is a luv button. Go to Account Management > Services > Credit Line Increase. The page states "It's easy to find out if you qualify for a credit limit increase. A credit bureau report will not be requested and you will receive an instant decision." It also shows your FICO Bankcard 8 score from Equifax which is pretty handy.

I am waiting on my DC too. I plan to try it when it arrives.

Re: Citi CLI At Activation - Which Bureau Pulled?

Anonymous — Sat, 29 Apr 2017 14:58:10 GMT

My Citi card was EQ for app and EQ for CLI. SL was 3400, asked for 10k after 6 weeks and got it. YMMV

Re: Citi CLI At Activation - Which Bureau Pulled?

MyLoFICO — Sat, 29 Apr 2017 15:41:36 GMT

@Anonymous wrote:
My Citi card was EQ for app and EQ for CLI. SL was 3400, asked for 10k after 6 weeks and got it. YMMV

What was you EQ score at the time of each? And was this your FICO 8 or the FICO Bankcard score they give?

Re: Citi CLI At Activation - Which Bureau Pulled?

MyLoFICO — Sat, 29 Apr 2017 17:50:26 GMT

Got my DC a few minutes ago and once setup I hit them up for an increase to $10k. SL was $3k. The result was they sent it to be reviewed and will email me within 24 hours. We will see what happens. Would be nice since I intend to do a big BT.

Re: Citi CLI At Activation - Which Bureau Pulled?

FICOEmpire — Sat, 29 Apr 2017 18:30:36 GMT

Thanks everyone.

@MyLoFICO - Did you use the online link to request the CLI? And do you know which bureau was pulled yet?

Edit: Is your card a World or World Elite Mastercard?

Re: Citi CLI At Activation - Which Bureau Pulled?

MyLoFICO — Sat, 29 Apr 2017 18:31:21 GMT

I got declined via email with a 7-10 day as expected. Hope you fair better. No HP yet.

Re: Citi CLI At Activation - Which Bureau Pulled?

MyLoFICO — Sat, 29 Apr 2017 18:32:16 GMT

@FICOEmpire wrote:
Thanks everyone.
@MyLoFICO - Did you use the online link to request the CLI? And do you know which bureau was pulled yet?

Edit: Is your card a World or World Elite Mastercard?

Mine came as a World Elite with the silver MC logo. No HP yet so not sure who they used. Probably Equifax.

Re: Citi CLI At Activation - Which Bureau Pulled?

Anonymous — Sat, 29 Apr 2017 18:42:30 GMT

When you set up your account, I am pretty sure that there is no option for a SP CLI. That option will usually only appear after your account is opened for 6 months. Asking for a CLI upon activation will result for sure in a HP. When I did it, they pulled EX for the initial application and then EQ for the CLI.

Re: Citi CLI At Activation - Which Bureau Pulled?

MyLoFICO — Sat, 29 Apr 2017 18:47:35 GMT

@Anonymous wrote:
When you set up your account, I am pretty sure that there is no option for a SP CLI. That option will usually only appear after your account is opened for 6 months. Asking for a CLI upon activation will result for sure in a HP. When I did it, they pulled EX for the initial application and then EQ for the CLI.

If I see another HP for today I am going to call and recon my denial if I can.

Re: Citi CLI At Activation - Which Bureau Pulled?

MyLoFICO — Sat, 29 Apr 2017 19:31:33 GMT

Fell flat on my face with Citi. It was like chasing a parked car. lol. I am sure it was a HP when I did the request online although they could not verify it. I looked online and there is a message there now about pulling credit. Not sure if it was there the first time. But, I would not let them pull another to recon it. Just can't take the chance since they will likely side with the computer.

Re: Citi CLI At Activation - Which Bureau Pulled?

Anonymous — Sat, 29 Apr 2017 21:29:57 GMT

@MyLoFICO wrote:
@Anonymous wrote:
My Citi card was EQ for app and EQ for CLI. SL was 3400, asked for 10k after 6 weeks and got it. YMMV
What was you EQ score at the time of each? And was this your FICO 8 or the FICO Bankcard score they give?

750's at CLI. FICO 8