topic Re: Citicards Luv Button requests in Credit Cards

Citicards Luv Button requests

jefftca925 — Thu, 17 Mar 2011 05:01:02 GMT

Hello All,

I just checked my Plat Select MC and AAdvantage Amex accounts online and for the hell of it clicked the "Request Credit Increase" link on the drop down menu. The MC account had the form a few days ago and now it says to call in to a CSR for processing. The Amex has the form but says I am "pre-approved" for a $1200 increase. Can I...

1) get increases on both cards?

2) get increases without HPs?

The Amex doesn't report the CL so I'd probably want it on the MC if I can only get a CLI on one. I'm also thinking of PC'ing the MC to a Thank You card in June. Anyone have suggestions?

Re: Citicards Luv Button requests

andre181 — Thu, 17 Mar 2011 10:07:20 GMT

I've never heard of the preapproved thing you've got on the amex so I will let someone else comment on that. You might want to call and ask a representative. Citi reps can tell you if it will be a hard or soft pull before you put in the request, and they are usually right IME. If they say anything about checking your credit, its probably a hard pull.

But if the MC says to call, you are eligible for a CLI with a soft pull on the MC.

Re: Citicards Luv Button requests

laz98 — Thu, 17 Mar 2011 18:27:01 GMT

we just did a CLI request from citi online. its was a hard pull.

Re: Citicards Luv Button requests

Anonymous — Thu, 17 Mar 2011 18:27:29 GMT

I haven't got any CLI'c for a while now!

Re: Citicards Luv Button requests

andre181 — Thu, 17 Mar 2011 18:37:54 GMT

@laz98 wrote:
we just did a CLI request from citi online. its was a hard pull.

Its usually only a hard pull if you get the form to fill out. Did you get the form?

Re: Citicards Luv Button requests

laz98 — Thu, 17 Mar 2011 19:46:19 GMT

nope.

Re: Citicards Luv Button requests

jefftca925 — Thu, 17 Mar 2011 21:07:18 GMT

I called this morning on the MC account to check about PC'ing it to the Thank You card. The CSR said they will be changing the Plat Select cards to TY cards beginning this month. I should receive the new card by the end of May. Then I asked about a CLI as it told me to call in. They asked for income and said that I was preapproved for $1200 increase. I said ok. Then checked on the Amex...and lovely AT&T wireless disconnected the call. Grrrr. Called the AA Amex CS line and spoke to a very nice rep. Told him that I was online last night and it said that I had a preapproved CLI of 1200 on my Amex account. He said he didn't see anything but could check on it. He sent my income in and nothing came back. He asked if I wanted to proceed. I said "no", that I'll just check back again later. It wasn't that important but more curiosity. This card does not report a limit so it's kind of a muted point.

Hope this info helps anyone who might be experiencing the same thing or at least curious

Re: Citicards Luv Button requests

laz98 — Thu, 17 Mar 2011 21:13:11 GMT

@jefftca925 wrote:
I called this morning on the MC account to check about PC'ing it to the Thank You card. The CSR said they will be changing the Plat Select cards to TY cards beginning this month. I should receive the new card by the end of May.

aww, really? i wonder if that is better than the citicash program on the platinum select. not that we really use it for rewards, but it'd be nice to know if the program is any good. another darn new card......

Re: Citicards Luv Button requests

tray — Thu, 17 Mar 2011 21:51:01 GMT

@jefftca925 wrote:
I called this morning on the MC account to check about PC'ing it to the Thank You card. The CSR said they will be changing the Plat Select cards to TY cards beginning this month. I should receive the new card by the end of May. Then I asked about a CLI as it told me to call in. They asked for income and said that I was preapproved for $1200 increase. I said ok. Then checked on the Amex...and lovely AT&T wireless disconnected the call. Grrrr. Called the AA Amex CS line and spoke to a very nice rep. Told him that I was online last night and it said that I had a preapproved CLI of 1200 on my Amex account. He said he didn't see anything but could check on it. He sent my income in and nothing came back. He asked if I wanted to proceed. I said "no", that I'll just check back again later. It wasn't that important but more curiosity. This card does not report a limit so it's kind of a muted point.

Hope this info helps anyone who might be experiencing the same thing or at least curious

Thanks for the heads up, I would like to know though when Citi was going to announce this information to Platinium Select Cardholders, I also heard and I do not know if this is true or not that Citi will now be reporting credit limits on all World Cards??

Re: Citicards Luv Button requests

Anonymous — Thu, 17 Mar 2011 22:26:44 GMT

Yes Andre, always get the form, ALWAYS.

Re: Citicards Luv Button requests

jefftca925 — Fri, 18 Mar 2011 00:38:34 GMT

The CSR that I first spoke to this morning said that Citi would be converting the Plat Select cards beginning March 4th thru April 14th. He said they planned on completing the replacement card mailings by May 31. I have NOT received anything in writing to verify this but that could be forthcoming. I think the points program will make the card more interesting than the ultra vanilla version (Plat Select MC).

Re: Citicards Luv Button requests

Anonymous — Fri, 18 Mar 2011 23:33:45 GMT

So, any ideas about the Luv Button, why it only shows the form?

Re: Citicards Luv Button requests

andre181 — Fri, 18 Mar 2011 23:58:20 GMT

@Anonymous wrote:
So, any ideas about the Luv Button, why it only shows the form?

How long has it only shown the form? Usually every 6 months it will change and say to call in for a decision, and usually that means it will be a soft pull

Re: Citicards Luv Button requests

smallfry — Sat, 19 Mar 2011 04:20:10 GMT

If you get the form you can count on a hard inquiry if you fill it out. My son has the Platinum Select for 5 years limit is now just shy of 5K. Never got a CLI. The CLI request button under Tools yielded the form the other day. Some accounts might never be eligible for a hard free CLI.

Re: Citicards Luv Button requests

trumpet-205 — Sat, 19 Mar 2011 07:17:11 GMT

@laz98 wrote:

@jefftca925 wrote:
I called this morning on the MC account to check about PC'ing it to the Thank You card. The CSR said they will be changing the Plat Select cards to TY cards beginning this month. I should receive the new card by the end of May.
aww, really? i wonder if that is better than the citicash program on the platinum select. not that we really use it for rewards, but it'd be nice to know if the program is any good. another darn new card......

ThankYou reward (besides bonus offered from Citi Forward) is inferior to 1% cashback program (1 TY points yields about 0.7% value).

Re: Citicards Luv Button requests

JRomulus — Sat, 19 Mar 2011 22:39:11 GMT

I called up Citi a few weeks ago to do a PC on the Aadvantage MC and Aadvantage Amex I have with them. I told her I wanted a card with no annual fee and one that reported credit limits, so they switched the AA MC to a Diamond Preferred. Then she said that the AA Amex could not be PC'd to anything.

Then she said that within the next 30 days, all cards would be reporting credit limits. I asked if a note was going out, and she said no, it was just info on a memo she got on 2/28.

Sure enough, within 2 weeks of that call, both cards started reporting credit limits. I don't know if it was just because I called up unhappy about the non-reporting of CL's, or if they really are doing a global change to that policy. FWIW.

Re: Citicards Luv Button requests

jefftca925 — Sat, 19 Mar 2011 23:18:49 GMT

@JRomulus wrote:
I called up Citi a few weeks ago to do a PC on the Aadvantage MC and Aadvantage Amex I have with them. I told her I wanted a card with no annual fee and one that reported credit limits, so they switched the AA MC to a Diamond Preferred. Then she said that the AA Amex could not be PC'd to anything.

Then she said that within the next 30 days, all cards would be reporting credit limits. I asked if a note was going out, and she said no, it was just info on a memo she got on 2/28.

Sure enough, within 2 weeks of that call, both cards started reporting credit limits. I don't know if it was just because I called up unhappy about the non-reporting of CL's, or if they really are doing a global change to that policy. FWIW.

My annual fee on my AA Select Amex is coming due in August which will be $85. I'm thinking of downgrading it to the regular AA Amex card ($50 fee) as the only difference I see between the two cards are redemption for Reduced Mileage Award flights. I want to keep the card as I have too many miles on American to let expire. With regards to the CL reporting, it never has in the past and I just checked my pull from 3/5 and it wasn't reported. It's supposedly an NPSL card so that doesn't surprise me.

Re: Citicards Luv Button requests

Zar — Mon, 21 Mar 2011 12:14:53 GMT

Hello Laz 98,

You reported they made a hard pull when you called the Citi phone number after clicking on the Request a CLI online... Yesterday I was doing the same when I realized the CSR was doing extra questions (the ones you can see on the online form) besides my income, she was asking about my occupation and employer. Also, she also said that it could be a hard or a soft pull when I asked her. I stopped the conversation at that point because those questions were not the ones they used to do for other soft-pull CLI I requested before. What kind of questions did they ask you?

Zar