topic Citi CLI 2nd one, no pull. in Credit Cards

Citi CLI 2nd one, no pull.

armbenderc — Mon, 01 Apr 2013 23:01:36 GMT

Back in Sept I got cli via online with no pull. Well, it's been six month so I tried again. Instantly approved for extra 1200. Not much but I will take it.

Citi has been awesome to me. CL is 4.2k same with freedom.

Note: ymmv, when I requested it said during this evaluation, your credit has not been pulled. Just like the last time. I'm sure they sp'd me before.

Re: Citi CLI 2nd one, no pull.

09Lexie — Mon, 01 Apr 2013 23:05:50 GMT

Nice!

Re: Citi CLI 2nd one, no pull.

LS2982 — Mon, 01 Apr 2013 23:06:48 GMT

@armbenderc wrote:
Back in Sept I got cli via online with no pull. Well, it's been six month so I tried again. Instantly approved for extra 1200. Not much but I will take it.

Citi has been awesome to me. CL is 4.2k same with freedom.

Note: ymmv, when I requested it said during this evaluation, your credit has not been pulled. Just like the last time. I'm sure they sp'd me before.

Awesome!!!

CONGRATS!!!

Re: Citi CLI 2nd one, no pull.

armbenderc — Mon, 01 Apr 2013 23:14:30 GMT

Thanks I need another GE love or two. Sitting at 5k each on my Walmart and PayPal extras mc.

Re: Citi CLI 2nd one, no pull.

Anonymous — Mon, 01 Apr 2013 23:36:34 GMT

Congrats and yes i was skeptical about Citi back then but i have to say they have been good to me recently

Re: Citi CLI 2nd one, no pull.

SpecFile — Tue, 02 Apr 2013 00:13:15 GMT

That's awesome!!

Re: Citi CLI 2nd one, no pull.

Epcot — Tue, 02 Apr 2013 20:30:57 GMT

Nicely done, Congrats!

Re: Citi CLI 2nd one, no pull.

armbenderc — Tue, 02 Apr 2013 20:37:11 GMT

@Epcot wrote:
Nicely done, Congrats!

Thanks!

Re: Citi CLI 2nd one, no pull.

Anonymous — Tue, 02 Apr 2013 20:56:51 GMT

I think Citi might use a previously soft pull, because I just tried to ask for cli, and it said the following:

As of Feb/2013 your credit score is:

Re: Citi CLI 2nd one, no pull.

FutureBillionaire — Tue, 02 Apr 2013 21:08:48 GMT

When I attempt to ask for a cli, it says that Citi may pull my credit. I don't feel confident enough that it's going to be a soft pull. What did it say when you began the process?

Re: Citi CLI 2nd one, no pull.

FutureBillionaire — Tue, 02 Apr 2013 21:24:04 GMT

I get this message. I feel like it's a soft pull, but I'm not sure.

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

Re: Citi CLI 2nd one, no pull.

armbenderc — Tue, 02 Apr 2013 21:26:49 GMT

@FutureBillionaire wrote:
When I attempt to ask for a cli, it says that Citi may pull my credit. I don't feel confident enough that it's going to be a soft pull. What did it say when you began the process?

The first time it asked the samething you got, It said they may obtain credit report. I went with it and it was instant saying that no credit were pulled. I went from 1600 to 3k.

The second time is the same, it said that credit maybe pulled. I request for 5k and they counter for 4.2k, I click accepted and no credit were pulled. The other option was don't accept and cancel.

Re: Citi CLI 2nd one, no pull.

armbenderc — Tue, 02 Apr 2013 21:28:31 GMT

@FutureBillionaire wrote:
I get this message. I feel like it's a soft pull, but I'm not sure.

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

Samething I got for both CLI. It was no pulled for me. Since they soft'd me every 2-3 months.

YMMV I guess. It has to be more than 6 MONTHS since last CLI.

Re: Citi CLI 2nd one, no pull.

Anonymous — Tue, 02 Apr 2013 21:31:02 GMT

OK, but there's no way to see in advance if it will pull or not? I.e after that first screen (we may pull your credit), if I hit continue and for whatever reason there is no SP data, it will HP without asking, right?

Re: Citi CLI 2nd one, no pull.

armbenderc — Tue, 02 Apr 2013 21:37:21 GMT

@Anonymous wrote:
OK, but there's no way to see in advance if it will pull or not? I.e after that first screen (we may pull your credit), if I hit continue and for whatever reason there is no SP data, it will HP without asking, right?

You have to check your credit reports to see if they recently SP'd you. In both case for me, they SP a month before I ask for CLI.

After I click the first screen we may pull your credit, the second screen for me was something like: After evaluating the account, there was no credit pulled.

If you havn't had CLI for 6 months with CITI, I say go for it. I have 1.1k balance (0% APR) the first CLI, for 2nd CLI I have 0 balance (still 0% promo) from them, 18 months + 6 months LOL! I have the card since 2011.

Re: Citi CLI 2nd one, no pull.

FutureBillionaire — Tue, 02 Apr 2013 21:43:00 GMT

What do you guys think is a feasible amount from them? I'm currently at 6500. I've put alot of use through this card.

Re: Citi CLI 2nd one, no pull.

Anonymous — Tue, 02 Apr 2013 21:44:32 GMT

@armbenderc wrote:
@Anonymous wrote:
OK, but there's no way to see in advance if it will pull or not? I.e after that first screen (we may pull your credit), if I hit continue and for whatever reason there is no SP data, it will HP without asking, right?
You have to check your credit reports to see if they recently SP'd you. In both case for me, they SP a month before I ask for CLI.

After I click the first screen we may pull your credit, the second screen for me was something like: After evaluating the account, there was no credit pulled.

If you havn't had CLI for 6 months with CITI, I say go for it. I have 1.1k balance (0% APR) the first CLI, for 2nd CLI I have 0 balance (still 0% promo) from them, 18 months + 6 months LOL! I have the card since 2011.

The card I want the CLI on I got in Jan (and I got the TYP last week, and they did a pull for that). I also have the Citi AA which is several years old. The FAQ says

"Additionally, cardmembers who have had their Citi® issued credit card account for less than 6 months are not eligible for a credit line increase."

so I assume it is too soon. I could try on the AA card, but that might use up future CLIs.

Re: Citi CLI 2nd one, no pull.

Anonymous — Tue, 02 Apr 2013 21:45:54 GMT

@FutureBillionaire wrote:
What do you guys think is a feasible amount from them? I'm currently at 6500. I've put alot of use through this card.

This is your Forward? I am at 7K and I was thinking of $10K and see if they counter-offered. But I will wait until it is 6 months old.

Re: Citi CLI 2nd one, no pull.

armbenderc — Tue, 02 Apr 2013 21:46:16 GMT

@FutureBillionaire wrote:
What do you guys think is a feasible amount from them? I'm currently at 6500. I've put alot of use through this card.

First cli was 1600 to 3k, I requested 3k

Second was 3k to 4.2k I requested 5k

If I were in your place, I would ask for 9k and see what's up.

If you get approved for 9k, you maybe able to get more, but what is done is done. If you got offer like 8.5k then you know that you got the best they can offer with SP.

Re: Citi CLI 2nd one, no pull.

L0RDAVENTAD0R — Wed, 03 Apr 2013 06:00:08 GMT

Congrats ! Every time I ask Citi for something, they always base it off a report they pulled a month or two ago. I applied for their Diamond Preferred & got instantly declined. I found out it was because of my report/score from two months ago. I got approved for it after their EO re-evaluated my application. Same thing happened when I asked for a CLI on my Forward. It can get annoying sometimes.