topic Re: SP Language AGAIN???!! in Credit Cards

SP Language AGAIN???!!

Deuter — Thu, 14 Feb 2019 02:19:29 GMT

Hi guys,

So i went to check my CC and it says on the Citi app. "Based on your responses, you could be approved instantly without a credit bureau resport" I had a CLI approved (same card) one week ago for 6.5K.. and now i'm checking my card and it says that i can click for an SP CLI. I am all lost, does anyone has Citi, has this ever happened to you? Should i click? or just contact Citi card department and ask them if its ok that i that i click on that for my account. I am the one without an SSN.

Is this some kind of glitch or is a trap? hmm.

Re: SP Language AGAIN???!!

Jnbmom — Thu, 14 Feb 2019 02:26:07 GMT

Do you mean you just had an increase on this card a week ago?

If so they are not going to give another increase a week later. That verbage is always on my account .

Re: SP Language AGAIN???!!

Deuter — Thu, 14 Feb 2019 02:32:34 GMT

@Jnbmom wrote:
Do you mean you just had an increase on this card a week ago?

If so they are not going to give another increase a week later?

Yes exactly that, i just got an increase on that card for 6.5K a week ago.

b. I would guess that they are not going to grant me another CLI a week later?!

What happens to the score if i get denied an SP CLI?

Re: SP Language AGAIN???!!

Anonymous — Thu, 14 Feb 2019 02:40:02 GMT

My Citi app always has the SP CLI button but seems they want 6 months between CLIs even autoCLI reset the clock.. Not sure if that is per customer or per card as I only have the DC...

Re: SP Language AGAIN???!!

Jnbmom — Thu, 14 Feb 2019 02:55:13 GMT

@Deuter wrote:
@Jnbmom wrote:
Do you mean you just had an increase on this card a week ago?

If so they are not going to give another increase a week later?
Yes exactly that, i just got an increase on that card for 6.5K a week ago.

b. I would guess that they are not going to grant me another CLI a week later?! That is correct

What happens to the score if i get denied an SP CLI? There is no ding for soft pulls, but no sense in applying again . Wait 6 months then try again, some have had success in 3 months but that is not the norm for citi.

Re: SP Language AGAIN???!!

Anonymous — Thu, 14 Feb 2019 04:04:23 GMT

Here's what mine says

"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."

Of course too early, so...

"We reviewed your request, and unfortunately, we can’t approve it because an increase isn’t available for your account at this time. Feel free to try again at the right time. After six months have passed, give us a call if you’d like us to reconsider your request."

Re: SP Language AGAIN???!!

j615 — Thu, 14 Feb 2019 04:24:44 GMT

My Citi DC does the same. Shows soft pull language shortly after an approved CLI. If I hit the button prior to 6 months in between, I’ll get rejected with no harm and the clock didn’t reset.

Re: SP Language AGAIN???!!

Anonymous — Thu, 14 Feb 2019 04:43:52 GMT

6 months between CLI per card not per account.

I’ve seen some people get increases before that but it’s very rare — I always get an increase every 6 months when I request and after I get an increase it says If I want more I can take a HP and then you can put in how much you want.

Re: SP Language AGAIN???!!

slither43 — Thu, 14 Feb 2019 04:59:04 GMT

Does that 6 month period also apply to the first CLI as well?

Re: SP Language AGAIN???!!

FinStar — Thu, 14 Feb 2019 06:28:28 GMT

@slither43 wrote:
Does that 6 month period also apply to the first CLI as well?

Not necessarily. Some new accounts can be eligible before the 6-month mark, but as always, YEMV.

Re: SP Language AGAIN???!!

Loquat — Thu, 14 Feb 2019 11:53:13 GMT

@FinStar wrote:
@slither43 wrote:
Does that 6 month period also apply to the first CLI as well?
Not necessarily. Some new accounts can be eligible before the 6-month mark, but as always, YEMV.

+1. I'm one of those who have never been held to the inital 6 month holding pattern. I've received a SP increase on just about every Citi card that I've had with the exception of Best Buy (always a HP) within the first 2-3 months after approval. The second round doesn't come as quick or as easy but never had a problem with the initial request.

Re: SP Language AGAIN???!!

AverageJoesCredit — Thu, 14 Feb 2019 12:18:09 GMT

My sp language is there everyday only to deny me every time so having it doesnt really mean much if you arent eligible for any increases

Re: SP Language AGAIN???!!

Loquat — Thu, 14 Feb 2019 12:37:11 GMT

@AverageJoesCredit wrote:
My sp language is there everyday only to deny me every time so having it doesnt really mean much if you arent eligible for any increases

+1 This...I have the SP language all the time...actually the only time I ever see HP language is after receiving a SP and they tell me if I want more than it'll cost me. Outside of that, like @AverageJoesCredit the language is always there...it's their willingness to give me something that isn't.

Re: SP Language AGAIN???!!

slither43 — Thu, 14 Feb 2019 13:26:01 GMT

Yeah, I've had the SP language since the day I got the card. I'm approaching 60 days here in a few and might just give it a whirl. If I get shot down I'll try again after 90. Probably wait til 6 months if I don't have any luck with either of them. Can't really hurt with the soft pull. And it's hard when they dangle that carrot. lol

Re: SP Language AGAIN???!!

Anonymous — Thu, 14 Feb 2019 13:33:00 GMT

@Loquat wrote:
+1. I'm one of those who have never been held to the inital 6 month holding pattern. I've received a SP increase on just about every Citi card that I've had with the exception of Best Buy (always a HP) within the first 2-3 months after approval. The second round doesn't come as quick or as easy but never had a problem with the initial request.

When you say you've received a SP increase on those accounts, do you mean auto-increases or self-initiated increases?

Re: SP Language AGAIN???!!

Loquat — Thu, 14 Feb 2019 14:13:38 GMT

@Anonymous wrote:
@Loquat wrote:
+1. I'm one of those who have never been held to the inital 6 month holding pattern. I've received a SP increase on just about every Citi card that I've had with the exception of Best Buy (always a HP) within the first 2-3 months after approval. The second round doesn't come as quick or as easy but never had a problem with the initial request.
When you say you've received a SP increase on those accounts, do you mean auto-increases or self-initiated increases?

@Anonymous Self initiated.

Re: SP Language AGAIN???!!

Anonymous — Thu, 14 Feb 2019 16:55:37 GMT

Gotcha. Did you wait for a specific time, (say) after your second or third statement, or was it just random?

Good to know that the chance for success is there with a SP CLI request from Citi in the first few months.

Did you have any other Citi accounts prior to your first revolver with them... ie, did you have any prior history? My personal findings have been that those with prior Citi history seem to make out better with CLIs relative to those with very little history. Of course by the time you had your second revolver, you already had the Citi history from the first, so I'm just wondering about prior to that first revolver.

Re: SP Language AGAIN???!!

zerofire — Thu, 14 Feb 2019 21:50:19 GMT

Ah good old Citi. They will literally give you all the rope you need to hang yourself and then ask if you want some more. But really the language does not matter as Citi will deny any cli request that occurs less than 6 months after the one before.

Re: SP Language AGAIN???!!

Loquat — Thu, 14 Feb 2019 22:53:37 GMT

@Anonymous wrote:
Gotcha. Did you wait for a specific time, (say) after your second or third statement, or was it just random?
@Anonymous I don't know where I got the number from or maybe it was just something that I made up in my head but I've always waited exactly 61 days after opening (not from receiving card) and requested a CLI with an approval each time. The number of statements cut has never had any impact on the approval.

Good to know that the chance for success is there with a SP CLI request from Citi in the first few months.

Did you have any other Citi accounts prior to your first revolver with them... ie, did you have any prior history? My personal findings have been that those with prior Citi history seem to make out better with CLIs relative to those with very little history. Of course by the time you had your second revolver, you already had the Citi history from the first, so I'm just wondering about prior to that first revolver.
I did have prior history with them...a Home Depot card, and it wasn't good history as I burned them in my BK13. Actually my BK13 is still alive and well on my EQ report (which is the only bureau they pull for me and that's with the others wide open, for some reason they only ask for EQ) but, with my BK13 on my report I was approved for and still have my Double Cash, AAdvantage, Simplicity, Diamond Preferred, Premier, and co-branded Best Buy Visa. Never had to do an official recon...a text verification maybe but my relationship with Citi has been awesome; no complaints here.

Re: SP Language AGAIN???!!

CreditInspired — Fri, 15 Feb 2019 03:10:29 GMT

Hi OP
Yep, the verbiage for some reason doesn’t go away. If you pull trigger, you will be declined and get a letter saying, “you can request again in 6 months.”

Edit: wow, a lot of MyFICOers said almost the same thing 😁.