cancel
Showing results for 
Search instead for 
Did you mean: 

CITI CLIs

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
Valued Contributor

CITI CLIs

So if you request a CLI early, does that rest your 6 month timeframe to request your next CLI?








(Installment loan reported this month, but AoYA points were NOT reset.)
Scores updated AUG 4, '19.

You can see the score changes 2 months after adding 6 cards, 5 reported.






(Forgive typos, mobile.)(Everything said is Just IMHO.)
Scores updated NOV'19.
Message 1 of 21
20 REPLIES 20
Community Leader
Super Contributor

Re: CITI CLIs

No, only if approvedSmiley Happy
#ChaseCreditCardHobby Enthusiast
2022
!
Message 2 of 21
Valued Contributor

Re: CITI CLIs

For real? I knew that CSR didn’t know they were talking about!








(Installment loan reported this month, but AoYA points were NOT reset.)
Scores updated AUG 4, '19.

You can see the score changes 2 months after adding 6 cards, 5 reported.






(Forgive typos, mobile.)(Everything said is Just IMHO.)
Scores updated NOV'19.
Message 3 of 21
Community Leader
Super Contributor

Re: CITI CLIs

Lol, dont quote me on it thoughSmiley Wink. I just dont believe there is a set time period. Maybe @K-in-Boston or @UncleB remembers hearing anything about this.
#ChaseCreditCardHobby Enthusiast
2022
!
Message 4 of 21
Moderator

Re: CITI CLIs

An early request definitely doesn't reset the clock.

 

More than once I've "jumped the gun" by a few days and my CLI was denied, but when I tried again a few days later it was approved.  The last time was June 2019.

Message 5 of 21
Community Leader
Super Contributor

Re: CITI CLIs

Thats what i figured. I cant get sny sp luv on my DC or DP. Even now my DP says its not eligbleSmiley Sad. Thanks Macys AmexSmiley Wink
#ChaseCreditCardHobby Enthusiast
2022
!
Message 6 of 21
Moderator

Re: CITI CLIs

@UncleB is 100% correct. I lost count of how many times I asked too early. Asking early (or a denial, which I got for the first time a few months back, followed by a $2k CLI a few weeks later) never resets the clock. But any approval starts a 6 calendar month clock.

Message 7 of 21
Valued Contributor

Re: CITI CLIs

Thank you guys so much for the confirmation I’m about to go try.

My only problem is going to be Macy’s and Macy’s Amex as well. Should I do a CLD on the Macy’s? Before I ask? They’ve already got a greater exposure to me than anyone.

I know that’s going against the grain being a MF’er, But I’d rather have it on a bank card. Is initiating a CLD hard? I’ve never done that before. How would you do it on Macy’s Joe? LOL








(Installment loan reported this month, but AoYA points were NOT reset.)
Scores updated AUG 4, '19.

You can see the score changes 2 months after adding 6 cards, 5 reported.






(Forgive typos, mobile.)(Everything said is Just IMHO.)
Scores updated NOV'19.
Message 8 of 21
Moderator

Re: CITI CLIs

Oh I didn’t realize we were talking about Citi-backed retail cards instead of Citi credit cards. The rules for all of those will be different, and in many cases a CLI will be a HP.

Message 9 of 21
Moderator

Re: CITI CLIs


@K-in-Boston wrote:
Oh I didn’t realize we were talking about Citi-backed retail cards instead of Citi credit cards. The rules for all of those will be different, and in many cases a CLI will be a HP.

Ah, me either... yep, that could definitely change things.

Message 10 of 21
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.