topic Re: Is CITI CLI button an HP? in Credit Cards

Is CITI CLI button an HP?

nvrgvupnvrsrndr — Sun, 02 Mar 2014 15:22:05 GMT

Does anyone know if requesting a CLI via CITI's website is an HP?

Re: Is CITI CLI button an HP?

Lin55 — Sun, 02 Mar 2014 15:32:29 GMT

It depends on the wording, what does yours say?

Re: Is CITI CLI button an HP?

nvrgvupnvrsrndr — Sun, 02 Mar 2014 15:34:38 GMT

Let me check and I'll get right back to you.

Re: Is CITI CLI button an HP?

nvrgvupnvrsrndr — Sun, 02 Mar 2014 15:38:21 GMT

Here's the statement regarding continuing with the CLI request...

It's easy to find out if you qualify for a credit limit increase. By clicking "Continue" you understand that we will obtain a credit bureau report to evaluate your request. Our credit department will review your request within 24 hours.

????? Not not if this means HP.

Re: Is CITI CLI button an HP?

nvrgvupnvrsrndr — Sun, 02 Mar 2014 15:41:10 GMT

OP here...guess I should clarify...this is a regular CITI Thank You Preferrred card.

Re: Is CITI CLI button an HP?

Anonymous — Sun, 02 Mar 2014 15:43:03 GMT

Yes, this is an HP. The other option you might see is:

It's easy to find out if you qualify for a credit limit increase. A credit bureau report will not be requested and you will receive an instant decision.

These seem to switch around, recently the second message was on 3 of my 4 cards, now only on one (the one I just got a CLI on as it happens!)

Re: Is CITI CLI button an HP?

CREDITSURFER — Sun, 02 Mar 2014 15:43:46 GMT

Looks like it would be a HP.

Re: Is CITI CLI button an HP?

CREDITSURFER — Sun, 02 Mar 2014 15:45:41 GMT

@Anonymous wrote:
Yes, this is an HP. The other option you might see is:

It's easy to find out if you qualify for a credit limit increase. A credit bureau report will not be requested and you will receive an instant decision.

These seem to switch around, recently the second message was on 3 of my 4 cards, now only on one (the one I just got a CLI on as it happens!)

If you get denied for the SP do you have to wait another 6 months to try again?

Re: Is CITI CLI button an HP?

Lin55 — Sun, 02 Mar 2014 15:49:32 GMT

@nvrgvupnvrsrndr wrote:
Here's the statement regarding continuing with the CLI request...

It's easy to find out if you qualify for a credit limit increase. By clicking "Continue" you understand that we will obtain a credit bureau report to evaluate your request. Our credit department will review your request within 24 hours.

????? Not not if this means HP.

For you it will be a HP.

If it was SP, it would say: "we will NOT obtain a credit bureau report...."

Re: Is CITI CLI button an HP?

Lin55 — Sun, 02 Mar 2014 15:51:03 GMT

@CREDITSURFER wrote:
If you get denied for the SP do you have to wait another 6 months to try again?

I have the same question. No one knows so far. I was denied for the SP but I haven't had any CLI in 4 years. Do I have to wait 6 months for another SP CLI button?

Re: Is CITI CLI button an HP?

nvrgvupnvrsrndr — Sun, 02 Mar 2014 15:55:20 GMT

Thanks everyone. I will not be proceeding with the request for a CLI. I just completed an app spree and definitely don't want any more HP's.

Re: Is CITI CLI button an HP?

CREDITSURFER — Sun, 02 Mar 2014 15:58:22 GMT

my overall revolving utilization is 28%, my citi typ is at 2200/4500. Im wondering if i would get an increase or not.

My last TU fico was 717.

Re: Is CITI CLI button an HP?

Lin55 — Sun, 02 Mar 2014 16:00:10 GMT

@CREDITSURFER wrote:
my overall revolving utilization is 28%, my citi typ is at 2200/4500. Im wondering if i would get an increase or not.
My last TU fico was 717.

Becareful, when i was denied the Citi SP, it turned out they used a 2 MONTH OLD SP CR! If I would've known I wouldn't have pulled the trigger!

Re: Is CITI CLI button an HP?

CREDITSURFER — Sun, 02 Mar 2014 16:08:13 GMT

Looking at my EQ report they have SP'd me 2 times in the last week.

Re: Is CITI CLI button an HP?

Lin55 — Sun, 02 Mar 2014 16:15:41 GMT

Wow! twice in one week?

Re: Is CITI CLI button an HP?

CREDITSURFER — Sun, 02 Mar 2014 16:20:24 GMT

AR-CITI CARDS CBNA and AR-CITIBANK NA and bestbuy AR-BEST BUY / CBNA

all within 7 days last month

only have the citi typ and mybestbuy store card.

Re: Is CITI CLI button an HP?

Lin55 — Sun, 02 Mar 2014 16:22:05 GMT

@CREDITSURFER wrote:
AR-CITI CARDS CBNA and AR-CITIBANK NA and bestbuy AR-BEST BUY / CBNA
all within 7 days last month

only have the citi typ and mybestbuy store card.

I wish they would SP me. I would've gotten a CLI.

Re: Is CITI CLI button an HP?

Anonymous — Sun, 02 Mar 2014 17:09:16 GMT

Citi has allowed me SP CLI's by calling the phone number on the back of the card. Explained I did not want a HP. Out of three requests two were CLIs and one was no CLI unless they did an HP and manual review (which I turned down). Did this October 2013. For me the phone call has worked with no HP. It seems the answer is as elusive as the actual CLI.

Re: Is CITI CLI button an HP?

Lin55 — Sun, 02 Mar 2014 17:24:25 GMT

@Anonymous wrote:
Citi has allowed me SP CLI's by calling the phone number on the back of the card. Explained I did not want a HP. Out of three requests two were CLIs and one was no CLI unless they did an HP and manual review (which I turned down). Did this October 2013. For me the phone call has worked with no HP. It seems the answer is as elusive as the actual CLI.

Great info, It's always worth a try. Thanks!

Re: Is CITI CLI button an HP?

TrueGeminiNC — Sun, 02 Mar 2014 17:52:57 GMT

@Lin55 wrote:
@CREDITSURFER wrote:
If you get denied for the SP do you have to wait another 6 months to try again?
I have the same question. No one knows so far. I was denied for the SP but I haven't had any CLI in 4 years. Do I have to wait 6 months for another SP CLI button?

My request too was declined. Notably, I have not had a CLI with Citi in several years. Can you recon a SP decision?