topic Re: Strange Citi message for CLI in Credit Cards

Strange Citi message for CLI

Benzman — Sat, 25 Nov 2017 19:41:58 GMT

Let it be me to get the strange messages.

Time for my 6 mo CLI with Citi, so went to CLI page and get my "NO credit report will be pulled and instant decision" and to input annual income and housing payment like usual, but when I click submit, the second page says "more information needed" where it states we apologize we can't do an instant decision and a credit report will be pulled to go further and a place to ask for desired CLI. Has anyone else got this message before? Seems odd that SP option is there, but then switches to HP. Cancelled out and came here for ideas.

Also, what bureau pulled and do they counter? TIA

Re: Strange Citi message for CLI

Gmood1 — Sat, 25 Nov 2017 19:55:28 GMT

I have received the same message recently. You're not alone.
Oh and they pull EQ for CLI. EX and sometimes EQ for new cards.

Re: Strange Citi message for CLI

Benzman — Sat, 25 Nov 2017 21:46:46 GMT

Thanks G ! Glad to know i'm not the only one.

Did you go for the HP?

Re: Strange Citi message for CLI

Gmood1 — Sat, 25 Nov 2017 21:52:40 GMT

Not this time around. I took a HP earlier this month for an AAdvantage CC. The last time I took a HP for a Citi CLI, I got a $16k increase. The HP can be worth it. Shoot high if you decide to take the HP.

Re: Strange Citi message for CLI

Anonymous — Sun, 26 Nov 2017 00:41:04 GMT

I have not seen that message from Citi, I've seen it with another lender. Last month I requested an HP CLI after I was given an SP CLI. I got what I asked for. Note, they gave me the SP CLI and would not review any additional increases without the HP. They pulled EX for me. I opened a Citi Advantage account recently as well and they pulled EX and EQ. I'm not fond of lenders that are pulling more than one CRA...BUT...Citi has been very generous with me, so I'll leave it be and stay in the garden.

Re: Strange Citi message for CLI

Anonymous — Sun, 26 Nov 2017 00:56:44 GMT

I took a HP a few weeks back hoping to get a massive CLI on my Citi DC card and only got a small one (relative to what I expected). I wish now I never took the HP and just went for a SP request instead. While many have reported great results with Citi HP CLI requests, others like myself fell far short of what we wanted.

Re: Strange Citi message for CLI

Gmood1 — Sun, 26 Nov 2017 01:31:24 GMT

Citi probably didn't know they were dealing with the one and only Brutal body shots! Eh..it's only one HP BBS. They'll warm up to you. Some of you guys need to chill on playing with the numbers and let your usages report from other lenders. I don't believe for one minute Capitol One is the only lender looking at customer's usages with other lender's accounts.

Re: Strange Citi message for CLI

mkhan1093 — Sun, 26 Nov 2017 02:40:18 GMT

That's a very common message to receieve. Your "instant decision" was that a SP wasn't enough to warrant any CLI. That's why they give you the option to try your luck with a HP.

Re: Strange Citi message for CLI

Anonymous — Sun, 26 Nov 2017 05:54:23 GMT

@Gmood1 wrote:
Citi probably didn't know they were dealing with the one and only Brutal body shots! Eh..it's only one HP BBS. They'll warm up to you. Some of you guys need to chill on playing with the numbers and let your usages report from other lenders. I don't believe for one minute Capitol One is the only lender looking at customer's usages with other lender's accounts.

I get that, but it's probably the one factor that will keep me from hitting 850 until this time next year, which was something I was looking forward to. At least if I had a killer limit on my Citi card, it would have been a fair tradeoff for not hitting my score goal in X amount of time.

What do you mean with letting usages report from other lenders?

Re: Strange Citi message for CLI

Gmood1 — Sun, 26 Nov 2017 06:27:37 GMT

I was referring to those that micromanage what reports to the CBs.
I get it when trying to squeeze every point for a mortgage or to keep utilization below a certain threshold. It's when some feel they have to do it monthly in order to maintain good credit is what confuses me. Or mistakingly mislead in believing they'll be approved for anything on scores alone.
If I were a UW and all I saw was $1 reporting on an individual's CC accounts. I'd have serious reservations about issuing them more credit. With no real track record of using it. It's tough to know whether this person will use the tradeline regularly.
One would think, since it's an internal request. Maybe seeing usage on that particular account is all they need to see. Could it be they are looking for the usage their competition gets as well?
I could very well be mistaken. It's just my warped way of seeing how it works I suppose.

Re: Strange Citi message for CLI

AverageJoesCredit — Sun, 26 Nov 2017 12:22:10 GMT

+1 Gmood. If i made the money that some do , i'd use the heck out of my cards and not care about what gets reported so long as i make the payment when its due. But the numbers game can be more Monopoly for some than Xbox lol

As for Citi, yeah they can be odd ducks. That last cli, or actually 1st ive ever received by request, went from sp language to hp language, to denial, to approval and hp language showing at time. Now i got sp language but if course if it aint 6 months, Citi wants no part in my game

Re: Strange Citi message for CLI

NRB525 — Sun, 26 Nov 2017 12:38:44 GMT

@Anonymous wrote:
@Gmood1 wrote:
Citi probably didn't know they were dealing with the one and only Brutal body shots! Eh..it's only one HP BBS. They'll warm up to you. Some of you guys need to chill on playing with the numbers and let your usages report from other lenders. I don't believe for one minute Capitol One is the only lender looking at customer's usages with other lender's accounts.
I get that, but it's probably the one factor that will keep me from hitting 850 until this time next year, which was something I was looking forward to. At least if I had a killer limit on my Citi card, it would have been a fair tradeoff for not hitting my score goal in X amount of time.

What do you mean with letting usages report from other lenders?

BBS, what range are your scores in now?

Re: Strange Citi message for CLI

Benzman — Sun, 26 Nov 2017 16:49:55 GMT

@Gmood1 wrote:
Not this time around. I took a HP earlier this month for an AAdvantage CC. The last time I took a HP for a Citi CLI, I got a $16k increase. The HP can be worth it. Shoot high if you decide to take the HP.

Went for the HP, asked for 10K, only got a 1K increase, so now at 8.3K. Pull on EX and definitely not worth it, but still appreciated. Email says the amount currently is the maximum amount of credit their policy will allow.

Re: Strange Citi message for CLI

Gmood1 — Sun, 26 Nov 2017 16:52:43 GMT

Did you request an increase on your other Citi card as well? I've never tried combining CLIs on one pull with them before. Because until this month I ony had one card with Citi.

Re: Strange Citi message for CLI

Credit-hoarder — Sun, 26 Nov 2017 16:54:37 GMT

My CDP is about 15 mos. old. It's still in the 0% int. phase but will be my second lowest APR of all my cards at 12.24% when it ends in May. I took the HP for a CLI last night and haven't heard back yet. It started at $1.8K and a year ago I took a HP to get it to $6K where it currently sits. I aimed high and asked for $20K knowing I won't get it but they may counter. I'd be happy if it went to $10K or any other 5-digit number. We will see. BTW this was only my 3rd HP on EQ in a year--score 686 F8.

Re: Strange Citi message for CLI

Benzman — Sun, 26 Nov 2017 17:18:10 GMT

@Gmood1 wrote:
Did you request an increase on your other Citi card as well? I've never tried combining CLIs on one pull with them before. Because until this month I ony had one card with Citi.

Tried just SP on 2nd card, declined. Hasn't been 6mo since last. Not gonna chance HP.

Re: Strange Citi message for CLI

Gmood1 — Sun, 26 Nov 2017 17:23:22 GMT

Ok cool, I see.. didn't realize your other Citi account was less then 6 months old.

Re: Strange Citi message for CLI

Benzman — Sun, 26 Nov 2017 17:59:11 GMT

@Gmood1 wrote:
Ok cool, I see.. didn't realize your other Citi account was less then 6 months old.

It's about 2 years old, but only about 3mos have passed since CLI SP.

Re: Strange Citi message for CLI

Anonymous — Mon, 27 Nov 2017 02:52:37 GMT

@Gmood1 wrote:
If I were a UW and all I saw was $1 reporting on an individual's CC accounts. I'd have serious reservations about issuing them more credit. With no real track record of using it. It's tough to know whether this person will use the tradeline regularly.

I'm not following you here. What does a reported balance have to do with usage?

It sounds like you're suggesting that someone that follows the strict PIF habits of a Transactor and reports a $0 or very small balance is somehow "worse" than someone that allows higher balances to report. Maybe you could clarify this a bit? Behavior that is in line with that of a Transactor results in the lowest risk type of borrower there is.

Internally, naturally a creditor can see your spend/payment history on any account you have with them, so what balance reports (even if it's $1) really isn't relevant if you spend is considerable every cycle. Are you simply saying that for an outside creditor with which one has no history with that it would be a better "look" to have higher monthly balances reported?

With the use of trended data, one would be able to see what the amount of each monthly payment is. For now on credit reports, this field seems blank most of the time, at least with revolvers. If trended data isn't used, can a potential lender really determine what you're paying every month? Perhaps your monthly reported balances are $150, $300, $200, $400, $275, etc. There's no way of knowing if this person has purchases/payments that are say $800 a month or $8000 a month just based on reported balances, is there?

Re: Strange Citi message for CLI

Anonymous — Mon, 27 Nov 2017 02:58:00 GMT

@NRB525 wrote:

BBS, what range are your scores in now?

823-838 pre-Citi inquiry, 823-831 post-Citi inquiry.

In 5 months my AoYA will reach 1 year and right around that time I'll be crossing the 7 year 8 month mark which will yield me top tier for AAoA. I figure those were the two factors holding my scores back a bit, up until I took the Citi HP on EQ, which dropped me 7 points.