topic Re: Citi CL reallocation success via EO in Credit Cards

Citi CL reallocation success via EO

lhcole77 — Mon, 06 Oct 2014 17:36:20 GMT

Thanks to the feedback on here (especially enharu ) I was able to successfully get my CLs reallocated on my Citi cards.

Simplicity was $9,200 and Double Cash just approved at $2,600. Called EO, put in request, maybe took a HP (nothing has shown up yet, though I did authorize it) and....

Voila!

Double Cash ==> $6,800 CL

Simplicty ==> $5,000 CL

Thanks for all the lessons you teach me, Forum peeps. I am very grateful.

edit: typo

Re: Citi CL reallocation success via EO

Shock — Mon, 06 Oct 2014 19:48:23 GMT

Congrats! Please keep us updated on whether it cost you a HP or not..I would like to get a CLI on my double cash, but may apply for another card and transfer it over after I'm done with it..

Re: Citi CL reallocation success via EO

FinStar — Mon, 06 Oct 2014 20:15:22 GMT

Good deal Ihcole77! Glad to hear they were flexible to swap your CLs without any issues.

Re: Citi CL reallocation success via EO

lhcole77 — Mon, 06 Oct 2014 21:00:46 GMT

Thanks! I was pretty stoked that they did this. It makes using the DC more worth while for me.

Re: Citi CL reallocation success via EO

FinStar — Mon, 06 Oct 2014 21:04:11 GMT

I can honestly tell you, from my experience with Citi, I've had no issues for as long as I've been a customer.

Re: Citi CL reallocation success via EO

Anonymous — Mon, 06 Oct 2014 21:08:27 GMT

Thanks! Want to reallocate my CLs with Citi. Don't really need more credit if I could just balance what I have.

Re: Citi CL reallocation success via EO

lhcole77 — Mon, 06 Oct 2014 21:13:10 GMT

I say go for it, Wanderer. They said it may require a HP and I was ok with that. Got the results I wanted. No alert yet on the HP.

Customer service at EO was very friendly. I have direct number if you want. They are in SD. And I love their accents, dontchaknow?!?!

Re: Citi CL reallocation success via EO

Shock — Mon, 06 Oct 2014 21:40:49 GMT

i didnt hear any accents when i called lol! and your thinking of a minnasota accent!

@lhcole77 wrote:
I say go for it, Wanderer. They said it may require a HP and I was ok with that. Got the results I wanted. No alert yet on the HP.

Customer service at EO was very friendly. I have direct number if you want. They are in SD. And I love their accents, dontchaknow?!?!

Re: Citi CL reallocation success via EO

lhcole77 — Mon, 06 Oct 2014 21:53:09 GMT

@Shock wrote:
i didnt hear any accents when i called lol! and your thinking of a minnasota accent!

Oh, one of the girls I spoke to definitely had an accent. She sounded like the lady from the movie Fargo. LOL (granted that's in ND).

Re: Citi CL reallocation success via EO

Anonymous — Tue, 07 Oct 2014 03:26:56 GMT

I got in touch with a very nice EO rep today about the same thing. I want to move most of my cl from my dividend to my double cash card. She said I can do that no problem, but there would be a hard pull. Told her that I really didn't want to have a third pull with that card, and I will think about it and call her back in a few days..... not sure if I should do it. :-/

Re: Citi CL reallocation success via EO

B335is — Tue, 07 Oct 2014 08:35:05 GMT

Congrats lhcole! I never had much luck getting Citi to reallocate, but I usually lose patience after being told "no" once.

Interestingly, I just closed out an Executive AAdvantage (I still have another one I left open) and this CSR went nuts on me. She didn't even rattle off the usual benefits, just went right into "why on earth would you ever close this card? Nobody ever closes this card....." She was just beside herself that I didn't want to keep it as a spare, as she put it. Of course no retention offers. I didn't have the heart to say I was doing this to make room for my next round of expansion, but it was the most entertaining conversation I've had with anyone from Citi.

Re: Citi CL reallocation success via EO

Anonymous — Tue, 07 Oct 2014 13:48:24 GMT

This is interesting. I actually wouldn't mind re-allocating some of my Double Cash available balance to my other Citi card. How do you contact the EO?

Re: Citi CL reallocation success via EO

alvon123 — Tue, 07 Oct 2014 15:05:20 GMT

congrats

Re: Citi CL reallocation success via EO

DrZoidberg — Tue, 07 Oct 2014 15:16:24 GMT

A HP to reallocate lines seems bogus. Honestly I would have taken the HP to just request a CLI on the Double Cash card. Everyone has been getting good limits after requesting a CLI upon activation of the card. I went from $5500 > $15k.

Re: Citi CL reallocation success via EO

lhcole77 — Tue, 07 Oct 2014 16:58:38 GMT

Thanks for feedback. HP on EQ showed up this morning. 7 pt drop. Okay with that because I am planning to be in the garden for the next year.

Thought about requesting a CLI but when I did on my Simplicity last month Citi didn't really budge. They gave me a SP CLI from 7.2K to 8.5K and when I hit the HP CLI button I only was able to get $700 more. They said that was the most they were willing to extend me at the time. Based on that I didn't want to push my luck with the a CLI request on the DC. Reallocating was my best bet IMO.

I figure with one card at 6.8K and the other at 5K I can grow these via SP CLIs.

Re: Citi CL reallocation success via EO

lhcole77 — Tue, 07 Oct 2014 17:20:21 GMT

@B335is wrote:
Congrats lhcole! I never had much luck getting Citi to reallocate, but I usually lose patience after being told "no" once.

Interestingly, I just closed out an Executive AAdvantage (I still have another one I left open) and this CSR went nuts on me. She didn't even rattle off the usual benefits, just went right into "why on earth would you ever close this card? Nobody ever closes this card....." She was just beside herself that I didn't want to keep it as a spare, as she put it. Of course no retention offers. I didn't have the heart to say I was doing this to make room for my next round of expansion, but it was the most entertaining conversation I've had with anyone from Citi.

Thanks, B335i. LOL about the CSR.

Frontline CSRs told me it couldn't be done. Luckily EO knew better. HAYYYY!

Re: Citi CL reallocation success via EO

Anonymous — Tue, 07 Oct 2014 17:30:28 GMT

lhcole77 - now be nice... I hail from the fine state of Iowa and there are plenty of jokes around on the state.

Re: Citi CL reallocation success via EO

Shock — Tue, 07 Oct 2014 18:24:38 GMT

I don't think I would mind taking a hard pull if I could use the same hard pull to request a limit increase. And if they would honor it.

Re: Citi CL reallocation success via EO

Anonymous — Tue, 07 Oct 2014 18:47:13 GMT

Based on the posts in this thread I called the Citi EO and explained my interest in reallocating credit lines. The EO said give them a couple of days as they may be able to do a credit line increase and not need to do a credit line reallocation (but would try to get me what I asked for either way from the credit department). Results are pending and I did authorize a hard inquiry since a soft pull for a credit line said they needed a hard inquiry.

Re: Citi CL reallocation success via EO

lhcole77 — Tue, 07 Oct 2014 19:04:41 GMT

@Anonymous wrote:
Based on the posts in this thread I called the Citi EO and explained my interest in reallocating credit lines. The EO said give them a couple of days as they may be able to do a credit line increase and not need to do a credit line reallocation (but would try to get me what I asked for either way from the credit department). Results are pending and I did authorize a hard inquiry since a soft pull for a credit line said they needed a hard inquiry.

I will be awaiting your update with bated breath.....