AZEO Disadvantage when requesting a CLI from CITI

[800wannabe420]

I was denied a CLI from CITI (my first CLI denial from them ever) on my Custom Cash. I received the following document:

The first reason is totally valid as I have reduced my spend  on this  card the past 6 months. 

However, I have been practicing AZEO since 8/23 in anticipation of a new mortgage and have received several CLI's during this time period from CITI, NFCU,Chase and even Cap1.

I'm fairly confident the denial was primarily based upon my reduced spend on the card, but found it interesting that I was penalized for reporting 0 balances on all my non CITI cards. 

I didn't need a CLI particularly, but thought I might share with the forum as I had not seen this reason given before. 

[AndySoCal]

None of the reasons given by CITI for not granting your CLI request is related to AZEO.  The first reason given is related to the dollar amount of purchases  being made in relation to the credit limit. When you pay that amount off has no bearing on that reason.  I would be denied a CLI  for the same reason.  I am using 1 to 2 prercent of my credit limit a month. From some of the other reasons you had at one time some high utilization on the account and other accounts. If so you need to show a trend that you will not revert to those high utilizations.

I hope this helps.

[800wannabe420]

@AndySoCal 

I have to disagree. 

In the past 10 years or more, I can only remember once letting an amount post for a single month that was 10-12% of that card's limit. My total utilization is always less than 9%.

If you re-read the #2 and #3 denial reasons given, they cite high UNUTILIZED credit lines, quite the opposite of high utilization. 

I had never seen this as a reason for a CLI denial before. As I said in the OP, I am reasonably certain the primary reason for the CLI denial is the recent lower use of this card.

[AndySoCal]

@800wannabe420  Sorry my error you are right

[kdm31091]

Many banks are in no hurry to increase your limit if you are barely using the limit you have. They don't want you with huge utilization all the time, but if you're not using the card much, there's no reason to give you more limit, in their eyes.

[Lou-natic]

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@800wannabe420 wrote:

I was denied a CLI from CITI (my first CLI denial from them ever) on my Custom Cash. I received the following document:

The first reason is totally valid as I have reduced my spend  on this  card the past 6 months. 

However, I have been practicing AZEO since 8/23 in anticipation of a new mortgage and have received several CLI's during this time period from CITI, NFCU,Chase and even Cap1.

I'm fairly confident the denial was primarily based upon my reduced spend on the card, but found it interesting that I was penalized for reporting 0 balances on all my non CITI cards. 

I didn't need a CLI particularly, but thought I might share with the forum as I had not seen this reason given before. 

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Well I can tell you that this is a bunch of nonsense, at least generally speaking. I don't ever put more than a few hundred dollars on my Custom Cash cards in a month, it's very rare and yet one limit is 11k and the other is 16k. Most I've ever had on either car is just under $500 becasue of the 5% cap. Most months one card or the other goes unused at all and I only start using it when I have a CLI coming up soon...well sort of. I've recently hit my SP CLI cap with Citi at $37,500 in total exposure so no SP CLIs for me anytime soon but that's a different issue.