topic Re: Whats your Experience with Citi DC CLI? in Credit Cards

Whats your Experience with Citi DC CLI?

The-Credit-Disciple — Tue, 07 Aug 2018 22:55:31 GMT

Do they give you an Auto CLI at 6 months, 9 months or 12 months. Thanks Fico Family

Re: Whats your Experience with Citi DC CLI?

Kforce — Tue, 07 Aug 2018 23:43:47 GMT

My Citi DC started with a low CL for my income, and profile. At about 1 year I got an auto CLI and from that point in time my web interface always shows a SP love button. If you ask for a SP increase and receive one, a 6 month clock starts and even if it shows a SP love button every month, you are locked out of an increase for 6 months. (The wb page love button does not mean your time has passed or that you have an offer.) I have received an increase every 6-9 months (love button), none of them anything to write home about. At three years I hit 20k and my BW started me at 20k. I use the card a little but always pay it down before the statement. I believe users that let more report on the statements, get larger CL's and some report success every 6 months.

Re: Whats your Experience with Citi DC CLI?

The-Credit-Disciple — Tue, 07 Aug 2018 23:55:58 GMT

Thanks for the detailed information its very appreciated😀

Re: Whats your Experience with Citi DC CLI?

Anonymous — Wed, 08 Aug 2018 00:17:25 GMT

SL $7300 for me. At 6 months I went for a HP CLI as opposed to a SP CLI in hopes that I'd get a monster increase. I requested $35k and only ended up with a $5k CLI to $12,300. If I could go back I would have just went with a SP CLI and probably gotten $3k-$4k, maybe even the $5k that the HP got me. It was a waste of a HP. My theory as to why it wasn't more significant was that this was my only Citi account, so I literally only had 6 months of Citi history. 6 months later, I went for a SP CLI and got $7k bringing me to $19,300. So, more from the SP CLI at 1 year than the HP CLI at 6 months. Why? My opinion here is that history matters and Citi was more comfortable giving me more when I was at 1+ year rather than just 6 months. I'm 3 months away from my next CLI opportunity and will rock out another SP and see what they give me. Hopefully I get another $5k-$7k, as that would put the account in a pretty solid place.

Re: Whats your Experience with Citi DC CLI?

Anonymous — Wed, 08 Aug 2018 00:26:06 GMT

Never received auto CLI. Only received increases when asking. Asked ususally once year. Started around 4k in 2014ish now I am at 10k. Last one was in May and was 2k.

Re: Whats your Experience with Citi DC CLI?

dsotm76 — Wed, 08 Aug 2018 02:02:59 GMT

Forgive my lack of knowledge with the Citi DC, but how do you know what will be a HP and a SP? I started in Dec (I think) with an SL of $3100 and currently they are reporting my FICO with them at 795. I'd really like to see some growth out of this limit, especially since I use it quite a bit and always PIF. I just don't want the HP. :-/

Any help is appreciated! Thank you in advance!

Re: Whats your Experience with Citi DC CLI?

Anonymous — Wed, 08 Aug 2018 04:54:16 GMT

Go to credit line increase when logged into your account. If you see, "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 means that your request will not result in a HP.

Re: Whats your Experience with Citi DC CLI?

AverageJoesCredit — Wed, 08 Aug 2018 12:08:33 GMT

I cant get sp luv if my name was Cormier

Limit is decent for my income but it would be nice to get 1 sp cli lol.

Re: Whats your Experience with Citi DC CLI?

Anonymous — Wed, 08 Aug 2018 14:45:31 GMT

I can't remember if length of time since your last Citi CLI has any bearing on SP language being present?

Re: Whats your Experience with Citi DC CLI?

K-in-Boston — Wed, 08 Aug 2018 14:58:34 GMT

@Anonymous wrote:
I can't remember if length of time since your last Citi CLI has any bearing on SP language being present?

None whatsoever. The SP language never goes away from my cards, but if I try them before the 6-month mark, I get the letter that states they were unable to grant a credit line increase because their records show that the card has received a credit line increase in the past six months. I've only seen the HP language on brand new cards for the first 2 months or so after opening the accounts. For comparison, here are some screenshots of the SP language and the HP language.

Re: Whats your Experience with Citi DC CLI?

Anonymous — Wed, 08 Aug 2018 15:17:52 GMT

That's sort of what I figured and has been my experience as well. It would seem to make more sense to me to have the HP language in place though if one has received a CLI within the last 6 months though.

One other time aside from the first few months that HP language is present (that I've seen) is immediately following a CLI. By immediately I'm talking a few days, maybe up to a week? After obtaining a CLI I believe that language becomes available for a short time for anyone that may want to request more.

Re: Whats your Experience with Citi DC CLI?

dsotm76 — Wed, 08 Aug 2018 15:22:17 GMT

Thank you so much for the reply! I'm happy to report that I have the SP language.

Question before I do it, does it matter what amount is on my card at the moment. I see all that information listed. Or does it base it on the history of the card and payments?

I like to have my ducks in a row to make sure I maximize. :-)

Re: Whats your Experience with Citi DC CLI?

Kforce — Wed, 08 Aug 2018 17:13:20 GMT

@dsotm76 wrote:
does it matter what amount is on my card at the moment.

Income, length of time with the card, month to month utilization, and current balance are all considered. If you are carrying a large balance ( 0% offer for 12), or just because of finances have 35% utilization, I would wait until my balance was very small.

The down side is you might get a small CL and then be locked out for 6/mo.

The up side a small Cli might help you now and 6/mo goes by fast. It's only a SP!

Re: Whats your Experience with Citi DC CLI?

Anonymous — Wed, 08 Aug 2018 17:16:30 GMT

@The-Credit-Disciple wrote:
Do they give you an Auto CLI at 6 months, 9 months or 12 months. Thanks Fico Family

Nope, I'm considering cancelling mine.

My Citi DC came from a Secured Card that graduated to the Diamond Preferred in which I PC to the DC.

Started with $200 SL when it graduated, after 6 months I requested CLI and was approved for to bumped $450, the next 6 months I requested another CLI and was approved and bumped again to $750.

Don't know what's the deal..

Re: Whats your Experience with Citi DC CLI?

Anonymous — Wed, 08 Aug 2018 17:18:45 GMT

@dsotm76 wrote:
Forgive my lack of knowledge with the Citi DC, but how do you know what will be a HP and a SP? I started in Dec (I think) with an SL of $3100 and currently they are reporting my FICO with them at 795. I'd really like to see some growth out of this limit, especially since I use it quite a bit and always PIF. I just don't want the HP. :-/

Any help is appreciated! Thank you in advance!

It will actually tell you.. Like when I got approved for CLI and it asked if you want more we can pull your credit. That's a no no.. LOL means an HP.

Re: Whats your Experience with Citi DC CLI?

dsotm76 — Wed, 08 Aug 2018 22:34:13 GMT

wrote:

Income, length of time with the card, month to month utilization, and current balance are all considered. If you are carrying a large balance ( 0% offer for 12), or just because of finances have 35% utilization, I would wait until my balance was very small.
The down side is you might get a small CL and then be locked out for 6/mo.
The up side a small Cli might help you now and 6/mo goes by fast. It's only a SP!

Well, out of a $3100 limit, I carried over $275 which I'll PIF before the due date. Currently, I have about $800 charged on there, including that amount. My util has never been over 10% on the card and overall, currently across all accounts, I'm under 10% util. Just wanted to make sure I didn't need to make a payment before going for my SP.

Re: Whats your Experience with Citi DC CLI?

Anonymous — Thu, 09 Aug 2018 20:26:48 GMT

When I got my Citi DC, they gave me a $500 CL. Right after I got the card from the envelope it came in, I called Citi and asked them for a CLI. They raised it to $1500 right then and there. That was in 2016. Never had an auto CLI since.

But just two weeks ago, I called them to see if they would CLI me again, and they raised it another $1500 to $3000. Using the card to pay my bills after lurking and reading on here at /r/personalfinance.

Re: Whats your Experience with Citi DC CLI?

dsotm76 — Thu, 09 Aug 2018 20:34:22 GMT

Well, I decided to give it a shot and have to say I'm VERY HAPPY with what Citi came back with. I went from my SL of $3100.00 to $4600.00, an increase of $1500.00. I was going to be happy if they gave me $500.00, but I'm not turning down that extra $1000.00. :-) Thank you Citi! And thank you everyone for this thread. I wouldn't have known to look and see if it was a soft pull, as well as not go for more after the approval. It's a good day!

Re: Whats your Experience with Citi DC CLI?

SweetCreditObsession — Mon, 20 Aug 2018 15:05:56 GMT

Congratulations! That's a nice increase!