CITI CLI question

[micvite]

I have a CLI request coming up on 10/16, is it wise to wait for my disco CLI to update from 5900 to 7400 and do the CLI after the 21st, or should I do it before then? Trying to get the most I can, not sure if it looks worse if disco gave me a CLI as I'm seeking credit or if it's better since that would be my highest trade line and might give citi incentive to give me a similar TL.

[CreditPacMan]

I don't think it would hurt to wait 5 more days before requesting a CLI with Citi. It can only look better as Citi won't know whether you requested a CLI from Discover or not given that Discover only does a SP for CLIs.

[micvite]

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@CreditPacMan wrote:

I don't think it would hurt to wait 5 more days before requesting a CLI with Citi. It can only look better as Citi won't know whether you requested a CLI from Discover or not given that Discover only does a SP for CLIs.

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TRUE! That didn't even cross my mind haha... I guess it can only help in that case... Discover usually updates credit after statement hits so I'll wait another day after and apply

[simplynoir]

I do not believe it will make much of a difference with Citi. If just going for a SP increase they usually don't give much out with average being around $1500-$2000 based on approvals. However, if you're going for more than that a HP will be used but at least you will possibly get more that way. IME I have been getting around ~$5k the few times I've asked for a HP CLI with Citi. I really don't see waiting being worth it unless you're willing to burn a HP then it might be worth holding on til Disco reports

[micvite]

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@simplynoir wrote:

I do not believe it will make much of a difference with Citi. If just going for a SP increase they usually don't give much out with average being around $1500-$2000 based on approvals. However, if you're going for more than that a HP will be used but at least you will possibly get more that way. IME I have been getting around ~$5k the few times I've asked for a HP CLI with Citi. I really don't see waiting being worth it unless you're willing to burn a HP then it might be worth holding on til Disco reports

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If it's not going to hurt my chances I might as well wait... I'm hoping I'll get a bit more than 2k, at least with the spending I have put through the card, if not I'll just continue to grow my disco until they ask for a 4506-t then cry)

[simplynoir]

Citi is weird and stranger things have happened lol. I imagine it'll take a lot of spend for then to open up their wallets on a significant SP increase kind of like how Capital One is right now

[micvite]

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@simplynoir wrote:

Citi is weird and stranger things have happened lol. I imagine it'll take a lot of spend for then to open up their wallets on a significant SP increase kind of like how Capital One is right now

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I'd say I've been more than generous lol 8-10k a month for the past 5 months on a 4k limit

[simplynoir]

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@micvite wrote:

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@simplynoir wrote:

Citi is weird and stranger things have happened lol. I imagine it'll take a lot of spend for then to open up their wallets on a significant SP increase kind of like how Capital One is right now

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I'd say I've been more than generous lol 8-10k a month for the past 5 months on a 4k limit

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Why not go for the immediate HP CLI after the SP request? Seems like it'd worth the squeeze with that kind of spend

[micvite]

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@simplynoir wrote:

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@micvite wrote:

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@simplynoir wrote:

Citi is weird and stranger things have happened lol. I imagine it'll take a lot of spend for then to open up their wallets on a significant SP increase kind of like how Capital One is right now

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I'd say I've been more than generous lol 8-10k a month for the past 5 months on a 4k limit

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Why not go for the immediate HP CLI after the SP request? Seems like it'd worth the squeeze with that kind of spend

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I'm in the garden as far as inquiries... Trying to buy a house next year and I have like 14-31 inq across the board haha... some will fall off november some in JAN and then the rest in JAN 2022.

[FishingGuy]

Go with the soft pull......  but I would pay down any balance to zero before the request.   I'm not sure... other here may know better,   .........       but I think that helps