topic Re: CITI Automatic CLI? in Credit Cards

CITI Automatic CLI?

fused — Sat, 03 Nov 2007 18:35:55 GMT

I'm familiar with how CITI handles CLIs when card holders request one but what about automatic CLIs without requesting one. Has anyone gotten one this way? Please share your experience and include if you can how long you had the card before they gave you an auto CLI, the amount and if you knew your scores at the time you received your CLI.

Message Edited by fused on 11-03-2007 08:35 AM

Re: CITI Automatic CLI?

fused — Sat, 03 Nov 2007 02:54:45 GMT

So are my suspicions correct, CITI doesn't do this???

Re: CITI Automatic CLI?

andyaycw — Sat, 03 Nov 2007 04:25:43 GMT

I have gotten auto CLIs from Citi. I got my first two student cards from Citi in August 2006. After 6 months of low utilization and PIF on time, they increased me from $1200 on one of the cards to $2200. 3 months later they gave me another CLI, up to $3200.

The same went for my other student card that I had with them. After 6 months, they CLI'd me from $1000 to $1800. 5 months later they gave me another $1000 up to a total CLI of $2800.

I used one of the cards much more frequently than the other, which might explain the fact that I had to wait 5 months as opposed to 3 months for the second CLI.

Re: CITI Automatic CLI?

Anonymous — Sat, 03 Nov 2007 04:50:57 GMT

I work for Citi. They do auto CLI's on accts. But it seems mostly on PIF's with good scores.

Re: CITI Automatic CLI?

Anonymous — Sat, 03 Nov 2007 09:01:49 GMT

I accepted a preapproved offer from Citibank for a Citi Dividend Platinum Select MC in the last half of June, 2006. Sometime between August 14, 2007 and August 31, 2007 they automatically increased my credit limit by $1000. So, it took about 14 months after the account was opened. My FICOs were EQ 804/TU 806/EX 839 at the time of the increase. Citibank reviews only my Equifax score (I'm in Florida).

In yesterday's (11/02) mail, I received a Citi balance transfer offer (0% APR until May 1, 2008 OR 3.99% APR until transferred balances are paid in full) . The offer states that "your credit line may increase by up to $4200 if you take advantage of this special offer." I guess if I want to max out my card on a balance transfer, they'll give me an extra $4200.

Re: CITI Automatic CLI?

smallfry — Sat, 03 Nov 2007 12:41:20 GMT

@Anonymous wrote:
I work for Citi. They do auto CLI's on accts. But it seems mostly on PIF's with good scores.

Can you confirm the fact that Citi likes to see a lot of usage on their cards as it pertains to getting CLI's on accounts? Some CCC's give out increases to some people who rarely use their cards at all or so I'm told.

Re: CITI Automatic CLI?

fused — Sat, 03 Nov 2007 17:47:58 GMT

Good feedback! I apologize for being a dumb mod but CITI has hardly been a crowd pleaser. I cannot get my way with them, even with a clean credit history and high scores. If they don't match my lowest CL by 02/08, I will slam the door on their face. I have read posts by those with scores well below mine who have HUGE CLs and lower APRs with some baddies on their reports, yet I get no luv with CITI.

Re: CITI Automatic CLI?

haulingthescoreup — Sat, 03 Nov 2007 18:34:47 GMT

Kick it to the curb, as ragcajun would say. Hey, it's like a love interest--if they aren't gonna love you, they aren't gonna love you. Life's too short to keep trying to show them the error of their ways.

Anyway, I know you're talking about automatic CLI's for people with (ahem) respectable credit profiles and well-established accounts, but as smallfry mentioned, they seem to want to see lots of activity, approaching the current CL. That's what the rep told me when I tried to get my CL raised enough to buy an entire refrigerator, as opposed to a couple of ice cube trays. My bad for being responsible, and keeping my balance low, and paying more than once a month. He said that if they don't think you need and will use the increased credit, it isn't coming.

They're a different kind of duck in CCC land, it seems.

Re: CITI Automatic CLI?

fused — Sat, 03 Nov 2007 18:39:17 GMT

Fine then, I will use my CITI card to finance weekly kegger and Jack parties. Chug, chug, chug...

Re: CITI Automatic CLI?

haulingthescoreup — Sat, 03 Nov 2007 18:48:18 GMT

Goodness, those must be some parties, if four of them a month will approach your CL!

Re: CITI Automatic CLI?

fused — Sat, 03 Nov 2007 19:08:44 GMT

C'mon you should know about Hawaii and drinking, you lived here. I figure a $300 weekly booze charge should do the trick with CITI. As they say in da Islands, small drinking island, big drinking problem!

Re: CITI Automatic CLI?

Anonymous — Sat, 03 Nov 2007 19:19:22 GMT

fused wrote:
Good feedback! I apologize for being a dumb mod but CITI has hardly been a crowd pleaser. I cannot get my way with them, even with a clean credit history and high scores. If they don't match my lowest CL by 02/08, I will slam the door on their face.

When my credit line was increased in August, I was charging, on average, between $800-$900 monthly on the account. I always PIF monthly, to avoid finance charges. Since then, they've implemented some changes in my rewards program, and I only charge between $75-$150 dollars monthly on my Citi card. I'll let you know if they increase my credit line again.

Re: CITI Automatic CLI?

orl2185 — Sun, 04 Nov 2007 01:08:34 GMT

fused wrote:
Fine then, I will use my CITI card to finance weekly kegger and Jack parties. Chug, chug, chug...

LOL, well spoken

Re: CITI Automatic CLI?

Anonymous — Sun, 04 Nov 2007 01:21:27 GMT

Can we send GW letters to you then?
Been trying to get the DW's home Depot card reporting right for a year now...

@Anonymous wrote:
I work for Citi. They do auto CLI's on accts. But it seems mostly on PIF's with good scores.

Re: CITI Automatic CLI?

fused — Sun, 04 Nov 2007 02:28:47 GMT

stlcards wrote:

I work for Citi. They do auto CLI's on accts. But it seems mostly on PIF's with good scores.

Thanks for the info. By the way, you're not a spy are you?

Re: CITI Automatic CLI?

Anonymous — Sun, 04 Nov 2007 02:31:55 GMT

fused wrote:

stlcards wrote:
I work for Citi. They do auto CLI's on accts. But it seems mostly on PIF's with good scores.

Thanks for the info. By the way, you're not a spy are you?

maybe a convert?

Re: CITI Automatic CLI?

Anonymous — Sun, 04 Nov 2007 03:24:50 GMT

Hahaha! I am certainly not a spy. I am just a CSR for them currently. I deal mainly with Prime Cardmembers accounts. People that spend around 5-6 k per month on avg. They seem to get the cli's every 6 months without requesting one. Despite what many people think, Citi prefers the cardholders that PIF. They dont have to pay the govt interest to lend to them but they are still getting that transaction fee, and imagine how much that adds up to for cardmembers spending 5-6k per month.

Re: CITI Automatic CLI?

fused — Sun, 04 Nov 2007 03:31:12 GMT

stlcards wrote:

Hahaha! I am certainly not a spy. I am just a CSR for them currently. I deal mainly with Prime Cardmembers accounts. People that spend around 5-6 k per month on avg. They seem to get the cli's every 6 months without requesting one. Despite what many people think, Citi prefers the cardholders that PIF. They dont have to pay the govt interest to lend to them but they are still getting that transaction fee, and imagine how much that adds up to for cardmembers spending 5-6k per month.

What troubles me with CITI was the CL and the APR they approved for me. My EQ score was 756, very low util on all revolving accounts and credit limits on other CCs of 17.5K (now 20), 15K, 19.3K and 10K. They gave me a CL of 3.6K with an APR over 13%.

Re: CITI Automatic CLI?

haulingthescoreup — Sun, 04 Nov 2007 03:31:14 GMT

@Anonymous wrote:
Despite what many people think, Citi prefers the cardholders that PIF. They dont have to pay the govt interest to lend to them but they are still getting that transaction fee, and imagine how much that adds up to for cardmembers spending 5-6k per month.

stlcards, so you're saying that citi likes customers who melt their plastic every month, but PIF? I'm curious, because I'm willing to give it a whack for a while, but the tiniest bit of flexibility on their part sure would be appreciated! (thx, know it's not you)

Re: CITI Automatic CLI?

fused — Sun, 04 Nov 2007 03:32:38 GMT

Oh by the way welcome to the forums, how did you hear about us?