topic Re: Approved for Citi Simplicity! in Credit Cards

Approved for Citi Simplicity!

Anonymous — Sun, 23 Sep 2012 18:30:20 GMT

I just got approved for the Simplicity card last night because I wanted to take advantage of the 0% for 18 months.

They approved me with a CL of $2000 but I was hoping to do a BT of about $3-4K.

Would it be a good idea to call CS and ask for a higher limit? Would it be another HP?

Thanks in advance!

Re: Approved for Citi Simplicity!

LS2982 — Sun, 23 Sep 2012 21:14:30 GMT

@Anonymous wrote:
I just got approved for the Simplicity card last night because I wanted to take advantage of the 0% for 18 months.

They approved me with a CL of $2000 but I was hoping to do a BT of about $3-4K.

Would it be a good idea to call CS and ask for a higher limit? Would it be another HP?

Thanks in advance!

CONGRATS!!!

It wouldnt hurt to see if they can raise the CL, give it a shot!!!

Re: Approved for Citi Simplicity!

Anonymous — Mon, 24 Sep 2012 04:49:47 GMT

Don't waste your time. I have 3 CC with them you have to have at least 6 months with them before they give you an increase.

Re: Approved for Citi Simplicity!

youngandcreditwrthy — Mon, 24 Sep 2012 18:55:17 GMT

Ugh! Citi just isnt great!! Btw you really can only use like 30% of that 2,000 limit without losing points om FIcO. :-0

Re: Approved for Citi Simplicity!

LS2982 — Mon, 24 Sep 2012 21:41:44 GMT

@Anonymous wrote:
Don't waste your time. I have 3 CC with them you have to have at least 6 months with them before they give you an increase.

Did you try to recon CL as soon as you were approved?

Re: Approved for Citi Simplicity!

trumpet-205 — Mon, 24 Sep 2012 21:56:20 GMT

@Anonymous wrote:
Don't waste your time. I have 3 CC with them you have to have at least 6 months with them before they give you an increase.

This is true. Citi is pretty firm about starting CL.

Re: Approved for Citi Simplicity!

Anonymous — Mon, 24 Sep 2012 22:23:00 GMT

I was approved last week for Simplicity for 3000, I just called today the back door # and the rep asked me my income, expenses and how much I was looking for. I also told them that I will do a balance transfer and they immediately responded and were like ooooooooooooooooooooh. Told me I will have a response in 30 minutes. I asked for 6000. Wish me luck!!!

Re: Approved for Citi Simplicity!

LS2982 — Mon, 24 Sep 2012 22:26:42 GMT

@Anonymous wrote:
I was approved last week for Simplicity for 3000, I just called today the back door # and the rep asked me my income, expenses and how much I was looking for. I also told them that I will do a balance transfer and they immediately responded and were like ooooooooooooooooooooh. Told me I will have a response in 30 minutes. I asked for 6000. Wish me luck!!!

Fingers crossed for you!!!

Re: Approved for Citi Simplicity!

Anonymous — Mon, 24 Sep 2012 22:46:19 GMT

They told me no, too soon asking for that much I guess I'll have to wait and bring my utilization down.

Re: Approved for Citi Simplicity!

LS2982 — Mon, 24 Sep 2012 22:49:05 GMT

@Anonymous wrote:
They told me no, too soon asking for that much I guess I'll have to wait and bring my utilization down.

sorry to hear

How high is your util?

Re: Approved for Citi Simplicity!

Anonymous — Mon, 24 Sep 2012 22:58:49 GMT

Congrats

Re: Approved for Citi Simplicity!

Anonymous — Mon, 24 Sep 2012 23:23:44 GMT

Currently at 66% and coming down

Re: Approved for Citi Simplicity!

Dishpro — Mon, 24 Sep 2012 23:31:51 GMT

Congrats.... And they can use the same HP for 30 days. So definitely call for a CLI.......

Re: Approved for Citi Simplicity!

Anonymous — Tue, 25 Sep 2012 00:49:41 GMT

Lower util will be necessary I think for them to increase the limit. Anyways, Congrats!!

Re: Approved for Citi Simplicity!

Shogun — Tue, 25 Sep 2012 00:54:17 GMT

Congrats... Put it in the garden and let it grow!

Re: Approved for Citi Simplicity!

trumpet-205 — Tue, 25 Sep 2012 00:54:25 GMT

@Anonymous wrote:
They told me no, too soon asking for that much I guess I'll have to wait and bring my utilization down.

It has nothing to do with utilization. Citi will not do CLI for the first six months, it is their policy.

Re: Approved for Citi Simplicity!

Anonymous — Tue, 25 Sep 2012 03:05:36 GMT

I DID ON EACH OF EVERY CARD THAT I GOT APPROVED FOR. SIT TIGHT AND WAIT SIX MONTHS.

Re: Approved for Citi Simplicity!

Anonymous — Tue, 25 Sep 2012 05:13:57 GMT

Thanks guys, time to tend the flock!

Re: Approved for Citi Simplicity!

westo12 — Tue, 25 Sep 2012 05:18:07 GMT

Dishpro, what do you mean they can use the same hard pull for 30 days?? Meaning, if anything changes on your report within those 30 days, they will be able to see them without another current hard pull? If yes, is that all lenders anyone has appd, but was declined with?

Re: Approved for Citi Simplicity!

Dishpro — Wed, 26 Sep 2012 22:29:29 GMT

When a lender pulls your credit they have a snapshoot of what your credit looks like for that moment. Lenders purchase these CR's from the CRA's and it is come practice for a lender to keep the CR for 30 days. If you call within the 30 day time period for a CLI they generally will not purchase a new CR they instead will use the latest one for up to 30 days. Any additional CLI requests within the first 30 days are counted as a single CLI. Your next CLI will usually not be allowed for 3 billing statements or more. Of course the downside of a lender using the report for 30 days would be if you have a score increase within the 30 days.