CITI CLI Denied w/850 Score

[Anonymous]

Tried for an increase, my last one was around 7 months ago when they bumped me up from $11k to $13.5k. Admittedly, it's a SD card with a tiny pending balance, probably why I got denied even with an EX/TU-8 850 score. (881 on the FICO model CITI uses). 

This is one of those cases where having too good credit can lead to adverse decisions. 

[Anonymous]

Having great credit didn't stop you from getting a CLI, little to no spend on the card did, also don't forget your income plays a role as well.

[Anonymous]

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@Anonymous wrote:
Having great credit didn't stop you from getting a CLI, little to no spend on the card did, also don't forget your income plays a role as well.

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Income is over 6 figures so I'm sure it's because usage is too low. Being a sock drawer card, I use it once every 3-4 weeks and pay it off as soon as the charge posts. Maybe I'll use it more frequently over the next few months and try again at the end of the year. 

[Anonymous]

I don't believe in leaving rewards on the table just for getting CLIs, only increase your spending if it makes rewards sense, I'm guessing it's in SD for a good reason, 13.5k is probably good enough for a SD card. That said, depending on what else is in your CC profile, might want to PC to a card that you can put some natural spending on.

[Anonymous]

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@Anonymous wrote:
I don't believe in leaving rewards on the table just for getting CLIs, only increase your spending if it makes rewards sense, I'm guessing it's in SD for a good reason, 13.5k is probably good enough for a SD card. Depending on what else is in your CC profile, might want to PC to a card that you can put some natural spending on.

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I'm wondering if I can swap it for Citi Double Cash to make spending on it worthwhile. Right now Discover and Amex Blue are my 2 daily drivers. 

[Mahraja]

octopus who told you high scores means high credit lines you want high limit on this card charge it for 10k pif than repeat the cycle 3 more times that account would jump to 35k within months try that ...

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:
I don't believe in leaving rewards on the table just for getting CLIs, only increase your spending if it makes rewards sense, I'm guessing it's in SD for a good reason, 13.5k is probably good enough for a SD card. Depending on what else is in your CC profile, might want to PC to a card that you can put some natural spending on.

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I'm wondering if I can swap it for Citi Double Cash to make spending on it worthwhile. Right now Discover and Amex Blue are my 2 daily drivers. 

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I was going to suggest DC but I didn't know what else is in your wallet. I recently PCed my 11k SD QS to Savor for the same reason, QS was denied for CLI a few time for low usage, unfortunately Savor is SDed again this quarter due to Discover. Maximizing rewards always come first, CLI is just icing on the cake.

[Anonymous]

The last card I opened was over a decade ago so some seem pretty obsolete compared to some of the new rewards cards being offered today. 

These are the cards in my wallet/sock drawer (not including any business cards):

Citi Diamond Prefered (SD)

AAA Dollars Gas Rebate  (SD)

Cap1 Rewards (SD)

Chase Slate (SD)

Chase Slate 

BoFA BankAmericard Rewards

Cap1 QS

Discover

Amex Blue

[FinStar]

OP, while your FICO score is very commendable, I'd be very curious to see what reason(s) were cited for the CLI decline. Of course, other than the obvious of possibly not using the card with sufficient usage or on a frequent basis given its current CL.

I also noticed you listed several CCs that were SD. Are you letting any balances report? If so, what types of balances are reporting (i.e. <1% or >1%)?

[xaximus]

OP - if a card isn't getting alot of usage, a lender might not see that it's worthwhile to extend more credit since if the user isn't using his current CL now, chances are they wont be using it later. CC lenders make money on the swipes and the fees they charge credit processing companies/merchants.

I would use the card a bit, minor purchases and PIF, revisit in 2-3 months and the chances of getting a CLI should be better.