topic Re: CITI Diamond Preferred in Credit Cards

CITI Diamond Preferred

Uncle_Money — Mon, 16 Jan 2012 22:15:28 GMT

Hey guys,

I have this card with a measly $2,600 since approved over a year ago. I see the credit limit increase within my online account. Is this a hard pull? Any suggestions on how to get this card raised up w/out a hard pull?

Re: CITI Diamond Preferred

Anonymous — Mon, 16 Jan 2012 22:17:50 GMT

@Uncle_Money wrote:
Hey guys,

I have this card with a measly $2,600 since approved over a year ago. I see the credit limit increase within my online account. Is this a hard pull? Any suggestions on how to get this card raised up w/out a hard pull?

It starts off with soft pull but may turn into a hard pull. How come you didn't request a CLI within the first 6 months?

Re: CITI Diamond Preferred

Uncle_Money — Mon, 16 Jan 2012 22:22:06 GMT

Good question.

How will I know if they pull a report though? All it says is that I'm giving CITI permission to obtain a report. I definitely don't want a hard pull.

Thanks,

Re: CITI Diamond Preferred

Anonymous — Mon, 16 Jan 2012 22:24:37 GMT

@Uncle_Money wrote:
Good question.

How will I know if they pull a report though? All it says is that I'm giving CITI permission to obtain a report. I definitely don't want a hard pull.

Thanks,

UM

Unfortunately it's hard to tell these days with Citi...the only way to be safe is to have your EQ frozen

Re: CITI Diamond Preferred

Uncle_Money — Mon, 16 Jan 2012 22:26:34 GMT

I'm hesitant to pull the trigger:

"By submitting this form you authorize Citibank, N.A. to check your credit history."

Re: CITI Diamond Preferred

Anonymous — Mon, 16 Jan 2012 22:30:26 GMT

Do you have a lot of inquiries?

Re: CITI Diamond Preferred

jason86423 — Mon, 16 Jan 2012 22:46:03 GMT

3 out of 4 of my cli requests via the citi luv button have been with soft pulls and instant.

Re: CITI Diamond Preferred

Uncle_Money — Mon, 16 Jan 2012 22:48:43 GMT

Yep, way too many on Equifax so I won't chance it.

Just called in and spoke to an account manager.. Nice guy but there was nothing he can do. Said he's putting in an "investigation" and a request for a higher limit. We'll see where that goes.

The call wasn't a total waste because he did give me 0% APR for the next 8 months as a courtesy so I'll certainly take that.

Re: CITI Diamond Preferred

Anonymous — Mon, 16 Jan 2012 22:52:11 GMT

@Uncle_Money wrote:
Yep, way too many on Equifax so I won't chance it.

Just called in and spoke to an account manager.. Nice guy but there was nothing he can do. Said he's putting in an "investigation" and a request for a higher limit. We'll see where that goes.

The call wasn't a total waste because he did give me 0% APR for the next 8 months as a courtesy so I'll certainly take that.

UM

Well if you have a lot then it won't hurt if you get one more with a CLI...the only reason I believe they would decline is if you have recent baddies or high balances

Re: CITI Diamond Preferred

Uncle_Money — Mon, 16 Jan 2012 22:54:52 GMT

Not even one baddie and utilization is under 10%.

Maybe I'll roll the dice ...........

Re: CITI Diamond Preferred

jason86423 — Mon, 16 Jan 2012 23:04:19 GMT

I just called my mom to do a CLI as my next card isn't eligbile until Weds. Her last cli on her Plat select mc was may last year, no hard pull, instant, $800 increase on her $1600 limit.

Re: CITI Diamond Preferred

Anonymous — Mon, 16 Jan 2012 23:04:31 GMT

@Uncle_Money wrote:
Not even one baddie and utilization is under 10%.

Maybe I'll roll the dice ...........

I say go for it...your chances are good of getting the CLI and no hard pull

Re: CITI Diamond Preferred

Uncle_Money — Tue, 17 Jan 2012 02:14:07 GMT

I pulled the trigger but received a message that said to check back in 30 minutes.

Anyone get this and if so, what was the outcome?

Re: CITI Diamond Preferred

jason86423 — Tue, 17 Jan 2012 02:17:50 GMT

30 minutes typically has been a good sign for me. On my one non instant I received the CLI in about 30 minutes. Also had a hard pull but I got a $3000 increase

Re: CITI Diamond Preferred

Uncle_Money — Tue, 17 Jan 2012 02:19:22 GMT

Thanks, I'll keep you guys posted on the outcome. I guess fusion is correct... another inquiry just isn't going to matter at this point anyway

Re: CITI Diamond Preferred

jason86423 — Tue, 17 Jan 2012 02:31:57 GMT

good luck.. on one hand at least it wasn't an instant denial.... on the other hand the waiting game is terrible

Re: CITI Diamond Preferred

Anonymous — Tue, 17 Jan 2012 02:46:42 GMT

If the CSR can't say for sure, expect a hard pull. I ended up with one last year from them despite saying I didn't want a CLI if a HP were involved. Saw the HP pop up after, called to complain, was given an address to write to, wrote, and got a polite letter saying it was done for a CLI request and they couldn't do anything about it. Was denied, LOL! They did give a $2400 CLI 2 months later with no HP, though.

Re: CITI Diamond Preferred

tray — Tue, 17 Jan 2012 03:13:11 GMT

Good Luck hope the best for you but my thoughts are with this message hard pull, I recieved the same message on my last cli with Citi which resulted in a hard pull my 1st one ever with this bank

Re: CITI Diamond Preferred

Uncle_Money — Tue, 17 Jan 2012 03:42:48 GMT

Thanks.

Still haven't heard anything. It has been way over 30 minutes ....

Re: CITI Diamond Preferred

jason86423 — Tue, 17 Jan 2012 03:44:27 GMT

UM.. have you logged in to check your credit line?

I had to log in and check the document center, the email came the next day