topic Re: Citi CLI question in Credit Cards

Citi CLI question- UPDATE

crunching_numbers — Tue, 11 Sep 2012 22:49:44 GMT

What is the best way to ask Citi for a CLI to get only a SP?

phone? online?

Will they counter offer or do you need to be conservative in what you ask for?

Re: Citi CLI question

Anonymous — Tue, 11 Sep 2012 21:57:02 GMT

I did mine online and it was a SP. They will counter if its too high and if you dont accept then it becomes a HP. I always request what I think makes sense, but request what you want. If they cant do it then accept the counter

Re: Citi CLI question

andre181 — Tue, 11 Sep 2012 21:57:21 GMT

Over the phone, they'll be able to tell you if its a SP or HP.

Online, you won't know until its too late IIRC.

Re: Citi CLI question- UPDATE

crunching_numbers — Tue, 11 Sep 2012 22:46:11 GMT

Called in and they told me NO CLI for me. 7-10 day letter coming. BOO!

Re: Citi CLI question- UPDATE

remarc — Tue, 11 Sep 2012 22:59:05 GMT

I ran $6000 though mr citi card in six months. Always PIF. I had a cl of $1500. At the sixth month mark I asked for a CLI. It was a HP & denied. No one at citi would help me out & I tried to recon with no success. Let's just say I was not happy.
I put a BT on the card & it's sat in my draw & that's where it will stay.

My score had not dropped. A few more inquiries but due to auto refinance. Couldn't understand it. Was gutted.

Re: Citi CLI question- UPDATE

Andy77 — Tue, 11 Sep 2012 23:03:51 GMT

Sometimes there is no logic...had a citi secured card opened in sept 2009 with a CL of 200.00

charged 14k on it over 18 months, when it unsecured I did not get an increse and it has been a year and a half since unsecured and PIF and never late and never a single charge over 200 and still no increase...I will just keep the card open, use it PIF and wait...

Re: Citi CLI question- UPDATE

crunching_numbers — Tue, 11 Sep 2012 23:05:39 GMT

@crunching_numbers wrote:
Called in and they told me NO CLI for me. 7-10 day letter coming. BOO!

No, I lied. I callled DISCOVER and they said no. I'm not going to call Citi until after I hit 6 months, which will be on the 21st. I can be a ditz sometimes. LOL

Re: Citi CLI question- UPDATE

bichonmom — Wed, 12 Sep 2012 01:18:39 GMT

Discover isn't known for great CLIs. Hope you have better luck with Citi!

Re: Citi CLI question- UPDATE

MagicShot — Wed, 12 Sep 2012 20:33:53 GMT

@bichonmom wrote:
Discover isn't known for great CLIs. Hope you have better luck with Citi!

I got a CLI with discover from 2500 to 9100. But I use it heavily! went from not using a lot to using it a lot for months and they bumped it automaically 3 months after I got a 1500 cli requested because I was maxing it out and PIF.

Re: Citi CLI question- UPDATE

Whereis750 — Wed, 12 Sep 2012 21:47:01 GMT

How often can you request a CLI from CITI? I requested one online about 4 months ago. The system countered with a slightly lower increase and I took it.

Re: Citi CLI question- UPDATE

trumpet-205 — Wed, 12 Sep 2012 21:48:48 GMT

@Whereis750 wrote:
How often can you request a CLI from CITI? I requested one online about 4 months ago. The system countered with a slightly lower increase and I took it.

Every 6 months from previous CLI.

Re: Citi CLI question

Bay_Area_Joe — Sun, 07 Oct 2012 20:54:56 GMT

When did you do yours?

And, how long have you had the card ?

Where did you find the limit increase request button ?

Re: Citi CLI question- UPDATE

Bay_Area_Joe — Thu, 18 Oct 2012 15:51:49 GMT

I did mine online, 7th statement cut.

asked for 3k, got 2k automatically, soft pull.

Re: Citi CLI question- UPDATE

cutemarty1 — Thu, 18 Oct 2012 19:07:29 GMT

@crunching_numbers wrote:
Called in and they told me NO CLI for me. 7-10 day letter coming. BOO!

I requested a CLI through a CSR. I was denied. I then asked if anything can be done. She said she can send it for a manual review. After about 2 hours I get a text message confirmation saying my request was approved from 7950 - 10,000.

Re: Citi CLI question

Creditaddict — Thu, 18 Oct 2012 19:13:34 GMT

@andre181 wrote:
Over the phone, they'll be able to tell you if its a SP or HP.

Online, you won't know until its too late IIRC.

I don't believe this is true. I have only seen people get counter offers and it was a soft. and asking for to much will not change rather the system counters or not... but if you call and ask to push for higher then counter or to have reviewed for it being denied you will then get a HP.

The 2 I saw increased, they asked for triple current CL like Amex... 1 got like 50-60% current line and the other got about 40-50% current CL if I remember correctly and instant online after having the cards for 6 months.

Re: Citi CLI question- UPDATE

Anonymous — Thu, 18 Oct 2012 22:57:04 GMT

I Just went online to My City accounts....I have 2 Citi cards...both over 6 months....went to the request credit increase button....clicked and requested 3000 on Each of the two cards....Received an almost instant e-mail with the Congrats message and the $3000 increase on both!!....this was the easiest credit limit increase i've ever requested....I dont feel that it will be a hard pull.....Ill let you all know this information.....Also i have run a bit through these cards for a couple airline tickets but NOT a huge amount..

Hope this is incouragement for some of you to go try!!

Please let me know your success story!!!