topic Re: Luv Button? Citi in Credit Cards

Luv Button? Citi

Anonymous — Fri, 02 May 2008 20:48:44 GMT

How often should I hit the luv button with citi to maximize my potential CL with them?

Re: Luv Button? Citi

Anonymous — Fri, 02 May 2008 20:51:48 GMT

so_confused wrote:

How often should I hit the luv button with citi to maximize my potential CL with them?

Every 6 months or so. Be aware it may cost a hard.

Re: Luv Button? Citi

MidnightVoice — Fri, 02 May 2008 20:54:12 GMT

Nowadays, less than once a year Unless there is a major improvement in scores or finances

Re: Luv Button? Citi

Anonymous — Fri, 02 May 2008 20:54:41 GMT

6 mos is what the CSR told me on the phone, after being denied online!

Re: Luv Button? Citi

Anonymous — Fri, 02 May 2008 20:54:43 GMT

thank chedder,

Do they always pull a hard? Better online or phone request?

Re: Luv Button? Citi

Anonymous — Fri, 02 May 2008 22:14:21 GMT

I did mine online a couple of weeks ago and got a $1200 CLI without a credit pull. My account is a year old.

Re: Luv Button? Citi

haulingthescoreup — Fri, 02 May 2008 22:19:27 GMT

Someone posted that when you're in your account, go to Manage My Account and then Credit Line Increase Request. If the form comes up with all the boxes at whatnot that you have to fill in, that's a hard. If it says submit or something basic like that, it's a soft, and you're probably already pre-approved.

J.Crew isn't Citi (wish it were) but I noticed the other day that it showed the submit option. I hit enter and poof, a CLI. With my most despised CC. I'm all conflicted now.

Re: Luv Button? Citi

heirophant — Sat, 03 May 2008 05:35:56 GMT

haulingthescoreup wrote:
Someone posted that when you're in your account, go to Manage My Account and then Credit Line Increase Request. If the form comes up with all the boxes at whatnot that you have to fill in, that's a hard. If it says submit or something basic like that, it's a soft, and you're probably already pre-approved.

J.Crew isn't Citi (wish it were) but I noticed the other day that it showed the submit option. I hit enter and poof, a CLI. With my most despised CC. I'm all conflicted now.

Wow, wish there was a trick like that with HSBC...or like AMEX - always soft.

Re: Luv Button? Citi

Anonymous — Sat, 03 May 2008 12:12:32 GMT

What haulingthescoreup wrote is very true. A few months ago I asked for a cli online and I got a form to fill out. Not knowing that it would cost me a hard pull I filled it out and was denied. Just now I went online to try again and this time when I clicked on request cli it automatically told me I was getting a 1700 cli --no form to fill out--and it even stated this did not result in a hard pull.

Re: Luv Button? Citi

Anonymous — Sat, 03 May 2008 14:22:40 GMT

Saedra,

Was this Citi?

And do you know if anyone eles like BofA, or Chase do the same thing?

Re: Luv Button? Citi

Anonymous — Sat, 03 May 2008 14:28:39 GMT

yes, it was Citi. As far As BofA, I am not sure. I got the BofA amex in March. I am so tempted to click on the luv button but I am sure I will be declined since I have only had the account for 2 months.

Re: Luv Button? Citi

Anonymous — Sat, 03 May 2008 14:33:28 GMT

Yeah I did cli with BofA last week and got the form and was declined by mail...no hard pull. Had I known this before I would have not completed the form. Thank you BofA for no hard pull.

Re: Luv Button? Citi

smallfry — Sat, 03 May 2008 14:38:36 GMT

@Anonymous wrote:
Saedra,
Was this Citi?
And do you know if anyone eles like BofA, or Chase do the same thing?

Be careful here. There is a thread on FW. They are going crazy hitting the luv button numerous times. I smell AA on the horizon for the abusers of this possible glitch. From 3K to 25K hitting the button 10 times consecutively? Do this at your own risk.

Re: Luv Button? Citi

Anonymous — Sat, 03 May 2008 18:29:04 GMT

haulingthescoreup wrote:
Someone posted that when you're in your account, go to Manage My Account and then Credit Line Increase Request. If the form comes up with all the boxes at whatnot that you have to fill in, that's a hard. If it says submit or something basic like that, it's a soft, and you're probably already pre-approved.

In late August, 2007, Citi gave me an automatic credit line increase. Since early this year, I've been checking my account regularly to see if Citi offers me a soft pull, CLI on the Manage My Account/Credit Line Increase Request page. It finally appeared today! I was given the choice of either accepting their offer, or declining it to request a more substantial CLI (I assume if I declined their initial offer, the page following would have involved a "form" and a hard inq) . I accepted Citi's original, soft-pull offer.

It took about 8 months after my last CLI for Citi to offer me this increase. I don't use this account very much.

Message Edited by psychic on 05-03-2008 11:29 AM

Re: Luv Button? Citi

haulingthescoreup — Sat, 03 May 2008 17:19:48 GMT

@Anonymous wrote:

In late August, 2007, Citi gave me an automatic credit line increase. Since earlier this year, I've been checking my account regularly to see if Citi offers me a soft pull, CLI on the Manage My Account/Credit Line Increase Request page. It finally appeared today! I was given the choice of either accepting their offer, or declining it to request a more substantial CLI (I assume if I declined their initial offer, the page following would have involved a "form" and a hard inq) . I accepted Citi's original, soft-pull offer.

It took about 8 months after my last CLI for Citi to offer me this increase. I don't use this account very much.

Did they tell you how much, or do you have to wait for the new CL to post?

Re: Luv Button? Citi

Anonymous — Sat, 03 May 2008 17:29:07 GMT

Saedra wrote:
yes, it was Citi. As far As BofA, I am not sure. I got the BofA amex in March. I am so tempted to click on the luv button but I am sure I will be declined since I have only had the account for 2 months.

I asked for a CLI at activation w/ BofA but was denied. I waited for about 35 days from the approval date and pressed the button. I left the amt open, filled in the info, and got the "we'll get back with you later" message. The next day when I logged in my limit went from 2k to 5k. (I also got the card in March.)

HTH-

Re: Luv Button? Citi

Anonymous — Sat, 03 May 2008 18:26:42 GMT

@haulingthescoreup wrote:

@Anonymous wrote:

In late August, 2007, Citi gave me an automatic credit line increase. Since earlier this year, I've been checking my account regularly to see if Citi offers me a soft pull, CLI on the Manage My Account/Credit Line Increase Request page. It finally appeared today! I was given the choice of either accepting their offer, or declining it to request a more substantial CLI (I assume if I declined their initial offer, the page following would have involved a "form" and a hard inq) . I accepted Citi's original, soft-pull offer.

It took about 8 months after my last CLI for Citi to offer me this increase. I don't use this account very much.

Did they tell you how much, or do you have to wait for the new CL to post?

Their original offer was for $1200, and I accepted. Citi does inform you of the CLI amount before you accept/decline.

I was just so glad to see the page that so many forum members have written about!!!

EDIT: Citi is willing to increase my credit line up to an additional $5600 if I take advantage of one of their balance transfer offers. I would assume that this would also involve a hard inq.

Message Edited by psychic on 05-03-2008 11:26 AM

Re: Luv Button? Citi

Anonymous — Sat, 28 Jun 2008 09:27:58 GMT

I haven't checked the Citi Manage My Account/Credit Line Increase Request page since my last CLI, on May 3rd. I looked at it early this morning, and there was an offer for a $1000 credit line increase (soft pull). I accepted. That makes 2 soft pull CLIs in less than 2 months!

I'll have to start checking that page on a more regular basis.

Re: Luv Button? Citi

SonorityGenius — Sat, 28 Jun 2008 11:45:48 GMT

Citi = if you hit Luv and you get a form thats a HARD inq. If you get NO form thats a Soft inq

Chase =ALWAYS!! a hard Inq

BofA = Soft INQ, online

Amex = Soft INQ online

Penfed= within 90 days, same inq initially pulled. After 90 days all CLI = hard inq

HSBC = online luv button = Hard Inq unless auto CLI upon clicking

Juniper - dont even try to think they got a Luv button! ( well, now they do, but tread carefully!)

CapOne = Always a hard Inq unless auto CLI upon 3-6-9 months

Re: Luv Button? Citi

Anonymous — Sat, 28 Jun 2008 16:37:15 GMT

just hit the luv button...

"We regret that we cannot approve your request for a Credit Line Increase at this time. Your request was processed by the credit record we have on file, as well as a credit scoring system, which assigns a numerical value to various items on your credit card account(s). Your credit score did not meet our requirements, because:

Your balance is high on one or more of your accounts with us, compared to the total credit limit.

Your credit report indicates one or more of your account balances with other creditors is high, compared to the available credit."

(BOA hasn't reported my pif- and my bt hasn't went through yet- its been a week?!?)