topic Re: Citi SimplicityAPPROVED in Credit Cards

Citi SimplicityAPPROVED

Anonymous — Sat, 31 Mar 2012 17:27:50 GMT

Yay!!!

So my DH just applied for and is APPROVED with a $8,200 limit on his new Citi Simplicity card of which I'm an AU. So excited for him, as I have been working diligently on his scores as well. I'm pretty sure Citi checks EX scores which of course I don't know the FICO score but his Credit Sesame FAKO score is 771.

I wanted to ask:

Once he receives the card, can he call the backdoor or Customer Service# to ask for a higher credit limit? We wanted at least $15k. We have to other CC's with 20k limits.

What do you think the odds are of him getting this increase? Anyone have any experience?

Or, should we wait for day 61?

Also, do you think they will give us his true FICO score?

Thanks!

Re: Citi SimplicityAPPROVED

drsmith — Sat, 31 Mar 2012 17:30:16 GMT

I think I've read that CITI won't CLI until at least 6 months.

I also don't think they're required to give you a score unless he was declined, or received a higher APR than normal.

Re: Citi SimplicityAPPROVED

Anonymous — Sat, 31 Mar 2012 17:44:33 GMT

Oh, Okay. He received the lowest interest rate of 12.99% and 0% on purchases and bt's for 18 mos. Okay, then I guess he can do an increase in 6 mos.

Thanks for responding

Re: Citi SimplicityAPPROVED

birjest — Sat, 31 Mar 2012 18:06:51 GMT

CONGRATS...I am eyeing this card as my next BT card. Then I will pursure Chase Freedom...

Re: Citi SimplicityAPPROVED

Anonymous — Sat, 31 Mar 2012 18:12:30 GMT

@birjest wrote:
CONGRATS...I am eyeing this card as my next BT card. Then I will pursure Chase Freedom...

Thanks! Yes, that 18 mos Purchase & BT offer is awesome!

Re: Citi SimplicityAPPROVED

h4ldol — Sat, 31 Mar 2012 19:14:19 GMT

I was approved last month for a Citi Diamond Preferred with a $8,300 CL and called to request a CLI but was denied due to the account being too new. I didn't call the backdoor number though, so I don't know if that might help.

Re: Citi SimplicityAPPROVED

Anonymous — Sat, 31 Mar 2012 19:16:47 GMT

@h4ldol wrote:
I was approved last month for a Citi Diamond Preferred with a $8,300 CL and called to request a CLI but was denied due to the account being too new. I didn't call the backdoor number though, so I don't know if that might help.

Thanks for responding h4ldol,

I think we'll just wait out the 6 mos. I was hopeful but I guess not...

Re: Citi SimplicityAPPROVED

LS2982 — Sat, 31 Mar 2012 20:59:15 GMT

@Anonymous wrote:
Yay!!!

So my DH just applied for and is APPROVED with a $8,200 limit on his new Citi Simplicity card of which I'm an AU. So excited for him, as I have been working diligently on his scores as well. I'm pretty sure Citi checks EX scores which of course I don't know the FICO score but his Credit Sesame FAKO score is 771.

I wanted to ask:
Once he receives the card, can he call the backdoor or Customer Service# to ask for a higher credit limit? We wanted at least $15k. We have to other CC's with 20k limits.
What do you think the odds are of him getting this increase? Anyone have any experience?
Or, should we wait for day 61?
Also, do you think they will give us his true FICO score?

Thanks!

Congrats!!!

Nice CL!!

Re: Citi SimplicityAPPROVED

Open123 — Sat, 31 Mar 2012 21:01:24 GMT

@Anonymous wrote:
Oh, Okay. He received the lowest interest rate of 12.99% and 0% on purchases and bt's for 18 mos. Okay, then I guess he can do an increase in 6 mos.

Thanks for responding

Wow! Congrats!

He must have an excellent credit file. This is my favorite of the "non-rewards" cards. The low rate, 18 month 0% promo, and no late/misc fees can't be beat.

Re: Citi SimplicityAPPROVED

OnTheRebound — Sat, 31 Mar 2012 21:04:48 GMT

You definitely have to wait 6 months for a CLI. I know this from personal experience and from what I read here.

Re: Citi SimplicityAPPROVED

Anonymous — Sat, 31 Mar 2012 21:35:01 GMT

@OnTheRebound wrote:
You definitely have to wait 6 months for a CLI. I know this from personal experience and from what I read here.

Good to know...Thanks!

Re: Citi SimplicityAPPROVED

Anonymous — Sat, 31 Mar 2012 21:38:24 GMT

LS...I think I had gotten the itch but that increase on my Citi was all the relief I needed!

Open...I chose that card for all those reasons! The perfect name...Simplicity

topic Re: Citi Simplicity~~APPROVED~~ in Credit Cards

Citi Simplicity~~APPROVED~~

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Re: Citi Simplicity~~APPROVED~~

Re: Citi Simplicity~~APPROVED~~

Re: Citi Simplicity~~APPROVED~~

Re: Citi Simplicity~~APPROVED~~

topic Re: Citi SimplicityAPPROVED in Credit Cards

Citi SimplicityAPPROVED

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