topic Re: CITI CLI in Credit Cards

CITI CLI

Anonymous — Mon, 30 Apr 2012 13:38:31 GMT

I opened a CITI Platinum for the BT on 10/31/2011. I have 4 other cards with 5000 CL but of course CITI gives me 1800. Called in today and they doubled the line to 3600 w/o a hard pull. Thats great and all but how long should I wait with a Citi card to request another CLI?

Re: CITI CLI

Creditaddict — Mon, 30 Apr 2012 14:22:55 GMT

@Anonymous wrote:
I opened a CITI Platinum for the BT on 10/31/2011. I have 4 other cards with 5000 CL but of course CITI gives me 1800. Called in today and they doubled the line to 3600 w/o a hard pull. Thats great and all but how long should I wait with a Citi card to request another CLI?

4-6 months.

You also should be able to do it online, but maybe with calling in they are able to tell you if they need to pull HP vs. online I think they say we "might"

Re: CITI CLI

Anonymous — Mon, 30 Apr 2012 15:38:09 GMT

Thanks..I would definately suggest doing it over the phone she doubled the CL with a soft then asked if i wanted to speak to the credit department for more but it would be a hard so I declined (FYI I called Citi retention backdoor)

Re: CITI CLI

remarc — Mon, 30 Apr 2012 17:22:04 GMT

would you mind telling me how you used your card? i have the same card with $1500 CL. i use around $600 a month and ALWAYS PIF.. im looking for a CL in June when i hit the 6 Month mark

thanks in advance of the advice

marc

Re: CITI CLI

Anonymous — Fri, 18 May 2012 15:03:09 GMT

How often is Citi granting CLI's nowadays? I remember they used to grant CLI's every 3-4 months like clockwork.

Re: CITI CLI

hedgeclipper2 — Fri, 18 May 2012 15:24:33 GMT

@Anonymous wrote:
How often is Citi granting CLI's nowadays? I remember they used to grant CLI's every 3-4 months like clockwork.

Every 6 months now.

Re: CITI CLI

remarc — Fri, 18 May 2012 15:40:03 GMT

do you think with usage of around $600 per mounth for 6 months they will increase my CL from $1500 to $3000??

difficult question but what are the odds? Ive always PIF every month...

thanks

Re: CITI CLI

hedgeclipper2 — Fri, 18 May 2012 15:42:24 GMT

@remarc wrote:
do you think with usage of around $600 per mounth for 6 months they will increase my CL from $1500 to $3000??

difficult question but what are the odds? Ive always PIF every month...

thanks

I usually have usage around $1000 per month on all of my Citi cards, and I usually get increases like $1,200 or $1,500 or $1,800. I guess it depends on how giving of a mood they are in. If you call in they can tell you if you can qualify for one with a soft pull.

Re: CITI CLI

remarc — Fri, 18 May 2012 15:44:29 GMT

How much did you start out with? how long have you had the card and were they Auto CLI?

I started with $1500 want to increase it to $3000 so i can do a balance transfer.

Re: CITI CLI

hedgeclipper2 — Fri, 18 May 2012 15:49:32 GMT

I got my Citi Diamond Preferred in October of 2010 (which I have since changed into a Citi Forward) issued at a paltry $500 limit. Went from $500 to $1000 to $2200 to $3400 to $5900 where it is now. All of these were soft pulls, some at 4 month intervals until they switched to 6 month requirement now.

I got my Citi Dividend in April of 2011 issued at $4800 then to $6400 then to $8200 where it is now. All of these were soft pulls.

And last month I applied for the Citi Hilton card and was approved for $11,000.

Edit to add: NONE of these were auto.

Re: CITI CLI

remarc — Fri, 18 May 2012 15:59:50 GMT

Thats awesome.. I hope they look and see ive used my card enough and always PIF to up my credit limit.. I seem to be stuck on all my cards .. Discover. Chase & Citi at $1500

Re: CITI CLI

Zanror23130 — Sat, 26 May 2012 15:57:26 GMT

just got my Citi CLI 1k. I called the back of the card and gave the CSR a 3k increase request. She said i was instantly approved for 1k. If i wanted to go further a HP would be needed. I said no. lol This was about 11 months span from the last one.

Re: CITI CLI

Anonymous — Sat, 26 May 2012 16:04:04 GMT

I did a balance transfer of 1400 on the 1800 80% utility to take advantage of 0 interest and only paid the minimum. They doubled without a hard pull after 6 months.

Re: CITI CLI

remarc — Sat, 26 May 2012 19:51:38 GMT

I spend roughly $600 to $700 every month with a limit of $1500 .. I ALWAYS PIF... 0 Balance when the statement hits.. my six month mark is due next month..

What are my chances of a Auto CL? and/or should i ask for a CL increase?? maybe a balance transfer? I was thinking about moving $800 from another card and $500 from another to my citi card?

also my scores have slightly dropped from around 700 to around 680. do you think this will affect my chances of a CL increase??

thanks

Re: CITI CLI

Anonymous — Sat, 26 May 2012 23:59:34 GMT

No

I believe as long as you have paid on time, PIF or have paid more than the minimum, you are an excellent candidate for a CLI.

A 680 FICO score is not bad, good luck and happy crediting :-)

Re: CITI CLI

Anonymous — Sun, 27 May 2012 02:07:32 GMT

Well, I just called Citi to see about a CLI-- no go. It's currently at 19K and I asked for 3K more. Rep said they'd need further information so I said "no thank you".

Re: CITI CLI

Anonymous — Sun, 27 May 2012 19:17:13 GMT

just got a notice my cli was a hp guess 3k was worth it think i should had asked for more lol