topic Re: CITI CLI in Credit Cards

CITI CLI

Anonymous — Thu, 06 Nov 2014 17:33:10 GMT

I been a loyal Citi forward user for 10 months now and never late. I ask for CLI and was right awat decline. Is there a way I can get Citi to increase my limit. I have US Bank and BOA with a higher limits then CITI. Do you have any specal phone numbers I can call. I would love to get a CLI. Thank you! ;}

Re: CITI CLI

uswala — Thu, 06 Nov 2014 17:35:27 GMT

@Anonymous wrote:
I been a loyal Citi forward user for 10 months now and never late. I ask for CLI and was right awat decline. Is there a way I can get Citi to increase my limit. I have US Bank and BOA with a higher limits then CITI. Do you have any specal phone numbers I can call. I would love to get a CLI. Thank you! ;}

Was it declined after HP or they declined giving increase with just SP?

Re: CITI CLI

sccredit — Thu, 06 Nov 2014 17:43:06 GMT

@uswala wrote:
@Anonymous wrote:
I been a loyal Citi forward user for 10 months now and never late. I ask for CLI and was right awat decline. Is there a way I can get Citi to increase my limit. I have US Bank and BOA with a higher limits then CITI. Do you have any specal phone numbers I can call. I would love to get a CLI. Thank you! ;}

Was it declined after HP or they declined giving increase with just SP?

This + was it the online CLI or over the phone? Have you tried online?

Re: CITI CLI

juggar — Thu, 06 Nov 2014 20:28:08 GMT

In my experience Citi takes forever to give CLI's. In fact, I have never received one on my diamond preferred that was opened in 2010 as a basic citi credit card(was PC to diamond)....Even after repeated hard pulls.

Yet, on my citi forward they gave me a SP CLI after 10 months of having the card(2000 - 3400)...

Believe me, I have tried to recon the CLI request on the diamond preferred to no avail. There doesnt seem to be a backdoor number to get them to manually review the request. I always hear "Sir , the system processed your request. theres nothing we can do".

When I ask for someone in authority who can manually edit CLI, they tell me no such person exist. I have given up on that.

Re: CITI CLI

B335is — Thu, 06 Nov 2014 20:37:37 GMT

@Anonymous wrote:
I been a loyal Citi forward user for 10 months now and never late. I ask for CLI and was right awat decline. Is there a way I can get Citi to increase my limit. I have US Bank and BOA with a higher limits then CITI. Do you have any specal phone numbers I can call. I would love to get a CLI. Thank you! ;}

Who knows with Citi. It took me a solid 12 months to get a CLI on one of my cards and it was after moderate use. You could try googling the Executive Offices, they seem to have a little more flexibility than the front line CSRs.

Re: CITI CLI

Anonymous — Thu, 06 Nov 2014 20:42:34 GMT

It was soft pulls and hard pulls. I have call Citi Executive office and had no luck. Citi a prime card and a pain in the butt to get CLI.

Re: CITI CLI

Anonymous — Sun, 11 Jan 2015 22:00:28 GMT

I kept having the same problem with my Citibank Simplicity cc. Every time I would request a CLI, I would be declined. The last time they declined me, it was because of the fraud alert I have on my Equifax CR. In my denial letter, Citibank stated that the number was invalid or missing. I was livid! Because the phone number is NOT invalid or missing. All other creditors, would call the number listed on the report without any issues. I contacted the EO number for them and lodged a complaint. The representative I spoke with said they could NOT call the number on my credit file because they were unable to verify that the number belonged to me. Every response she threw at me I had a logical rebuttal. FINALLY, I had to email them a copy of my marraige license and phone bill [The phone was not listed underneath my name, but I do NOT give out my cell number under any circumstance.]. They called me on the number to verify and a couple of hours later, I was APPROVED for my CLI [3800 to 7600]. I was ecstatic!!!!! My highest CL so far. In about 3 months, I will hit the LUV button again to see what happens.

I hope my story helps!

SN: I now have my dream cards, so all I want is to maximize my CLs.

Re: CITI CLI

Anonymous — Sun, 11 Jan 2015 21:59:20 GMT

The back door numbers are on myFICO. Here is the link: http://ficoforums.myfico.com/t5/Credit-Card-Applications/Backdoor-Numbers/m-p/408066 or search for "backdoor numbers" and it should come up. I hope this helps!

Re: CITI CLI

Anonymous — Mon, 12 Jan 2015 00:40:27 GMT

I wonder if Citi might be more stringent about giving any luv on the Forward because it is an expired card with tremendous rewards and they'd rather you just apply for a brand new card if you want more available credit. #conspiracytheories

Re: CITI CLI

chalupaman — Mon, 12 Jan 2015 00:50:38 GMT

@Anonymous wrote:
I wonder if Citi might be more stringent about giving any luv on the Forward because it is an expired card with tremendous rewards and they'd rather you just apply for a brand new card if you want more available credit. #conspiracytheories

I was able to get a CLI on mine just fine. I don't think that's the issue.

Re: CITI CLI

Anonymous — Mon, 12 Jan 2015 00:56:16 GMT

@chalupaman wrote:
@Anonymous wrote:
I wonder if Citi might be more stringent about giving any luv on the Forward because it is an expired card with tremendous rewards and they'd rather you just apply for a brand new card if you want more available credit. #conspiracytheories
I was able to get a CLI on mine just fine. I don't think that's the issue.

When? Just out of curiosity.

Re: CITI CLI

Anonymous — Mon, 12 Jan 2015 00:57:04 GMT

@Anonymous wrote:
I been a loyal Citi forward user for 10 months now and never late. I ask for CLI and was right awat decline. Is there a way I can get Citi to increase my limit. I have US Bank and BOA with a higher limits then CITI. Do you have any specal phone numbers I can call. I would love to get a CLI. Thank you! ;}

I had a Double Cash and ThankYou Premier card with small limits, when I received the cards I immediately asked for a CLI on both cards. That was denied. I waited a few months and opened another Citi card (business version) and they granted a significantly higher CL than my two personal cards. I called in to inquire as to increasing my CLs on my personal cards to bring them more in-line with my business card. It took about 5 minutes and they raised both personal cards to 12.5K(10k CLI on each), so the two cards together equalled the same CL as my business card.

If your profile is improved from when you applied and you have any use for another Citi card, you could try a similar approach. This could backfire if your profile is not significantly improved; in this case you might get yet another weak CL Citi card.

Re: CITI CLI

CreditMagic7 — Mon, 12 Jan 2015 00:58:11 GMT

@chalupaman wrote:
@Anonymous wrote:
I wonder if Citi might be more stringent about giving any luv on the Forward because it is an expired card with tremendous rewards and they'd rather you just apply for a brand new card if you want more available credit. #conspiracytheories
I was able to get a CLI on mine just fine. I don't think that's the issue.

Just like Capitol One's infamous EO some people have good results and some not. I went thru Citi's EO only 3 months after first approval and got a HP CLI X3! Which really put some wind in my sails at the time. Then it took another 9 months but i got a SP CLI on their website form of 1.4K instantly!

Re: CITI CLI

abhowmick18 — Mon, 12 Jan 2015 03:34:13 GMT

Its hard to tell with Citi. My first two CC's are with them. I have the Citi Forward (discontinued) and Thank you preferred- the forward card I opened December 13', and my first CLI with that card was October 14'. I opened my Thank you preferred in July 14' and got a CLI with that card December 14'.

Keep in mind that the Citi Forward card is now discontinued which is why they might have denied the CLI request. Although they wont officially state that the card is discontinued, its hard to tell if they'd still suport CLI' for that card. They're probably just allowing pre-existing members to continue using the card.

Hope things work out for you!