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Citi CLI denial with 874 score out of 900. Why and Help

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Anonymous
Not applicable
‎11-05-2020 05:59 PM
‎11-05-2020 05:59 PM

Citi CLI denial with 874 score out of 900. Why and Help

I have a citibank premier card for 3 years and every 6 months like clock work I get a 2K increase. 2 weeks ago I was not approved for a CLI and according to the letter they sent me was that Transuinion is reporting I have to many inquires. The kicker is that I don't have any hard inquires on my transuion report  I just pulled.  I even called them and they confirmed.  I call citi customer service and they tell me I have to deal with transunion. Transunion is telling me there is nothing they can do becasue they don't any problems with my report.  I don't know what to try next. Any help would be most appricated. 

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Message 1 of 12
11 REPLIES 11
AverageJoesCredit
Legendary Contributor
‎11-06-2020 04:21 AM
‎11-06-2020 04:21 AM

Re: Citi CLI denial with 874 score out of 900. Why and Help

no cli is gaurenteed  for anything / anybody regardless of ones score/ income/ spend. Just ask the rest of us who get 0 cli increases from CitiSmiley Wink

Message 2 of 12
Citylights18
Valued Contributor
‎11-06-2020 07:59 AM
‎11-06-2020 07:59 AM

Re: Citi CLI denial with 874 score out of 900. Why and Help

I gave up on CLI with Citi and Disco neither have worked for me since the pandemic started.

Official travel point totals as of 10/21/24 (1,358,177 Total Points)
Chase Ultimate Rewards 696,884 | IHG One Rewards 144,957 | Hilton Honors 144,521 | AMEX Membership Rewards 102,729 | World of Hyatt 76,095 | Marriott Bonvoy 65,343 | Citi Thank You 38,153 | Choice Rewards 32,460 | United MileagePlus 13,316 | British Airways Avios 12,333 | Jet Blue TrueBlue 11,780 | Wells Fargo Rewards 2,858 | Southwest Rapid Rewards 2,447 | NASA Platinum Rewards 1,883 | AA Advantage 1,744 | Navy Federal Rewards 1,087 | Delta Sky Miles 175 | Virgin Atlantic Virgin Points 100 | Lowes Business Rewards 7,102 ($71.02) | Amazon Rewards 2,200 ($4.75) | Discover CB 10 ($0.10)
Message 3 of 12
ZackAttack
Established Contributor
‎11-06-2020 11:59 AM
‎11-06-2020 11:59 AM

Re: Citi CLI denial with 874 score out of 900. Why and Help

@Citylights18 wrote:

I gave up on CLI with Citi and Disco neither have worked for me since the pandemic started.

I just nailed 1k CLI on my discover card.

MSGCU Rewards | $10.5kDiscover Cash It | $10kAmex BCE | $15kBest Buy Visa | $20kChase Freedom Flex | $8kDCU Platinum | $8kNFCU Flagship | $73kAffinity FCU Cash Rewards | $7kAmazon Prime | 12.5kChase Unlimited | 16.4kUSAA Cashback Rewards Plus Amex | 10kAmex Business Cash | 10k


Message 4 of 12
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Anonymous
Not applicable
‎11-14-2020 06:57 AM
‎11-14-2020 06:57 AM

Re: Citi CLI denial with 874 score out of 900. Why and Help

Had a feeling the banks are pulling back due to covid

Message 5 of 12
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BetterMoves
Regular Contributor
‎11-14-2020 05:00 PM
‎11-14-2020 05:00 PM

Re: Citi CLI denial with 874 score out of 900. Why and Help

@Anonymous wrote:

Had a feeling the banks are pulling back due to covid

Maybe so, it's just wrong to tell you you are being denied for too many inquiries when you have 0 inquiries.

 

If another CLI is important to you, I would suggest calling again and asking for a supervisor. If that person is still saying too many inqs, ask them is it alright if you send them a copy of your TU report directly. Maybe they'll be okay with that, maybe not. Doesn't hurt to ask.

Wells Fargo Active Cash
Discover it Chrome
Amazon Prime Store (Synchrony)
Walmart Store Card (Capital One)
Citi Costco Anywhere
American Express Blue Cash Preferred
American Express Hilton Honors Surpass
American Express Gold
Message 6 of 12
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FinStar
Moderator Emeritus
‎11-14-2020 08:42 PM
‎11-14-2020 08:42 PM

Re: Citi CLI denial with 874 score out of 900. Why and Help

@BetterMoves wrote:
@Anonymous wrote:

Had a feeling the banks are pulling back due to covid

Maybe so, it's just wrong to tell you you are being denied for too many inquiries when you have 0 inquiries.

 

If another CLI is important to you, I would suggest calling again and asking for a supervisor. If that person is still saying too many inqs, ask them is it alright if you send them a copy of your TU report directly. Maybe they'll be okay with that, maybe not. Doesn't hurt to ask.

Decisions are system-generated so sending them a copy of their CRs won't work.  The OP can escalate if they wish to have the decision reconsidered by their UW team, but it may likely incur a HP.  In certain instances they may review an alternate CRA.

Message 7 of 12
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Remedios
Credit Mentor
‎11-14-2020 09:19 PM
‎11-14-2020 09:19 PM

Re: Citi CLI denial with 874 score out of 900. Why and Help

@Anonymous wrote:

I have a citibank premier card for 3 years and every 6 months like clock work I get a 2K increase. 2 weeks ago I was not approved for a CLI and according to the letter they sent me was that Transuinion is reporting I have to many inquires. The kicker is that I don't have any hard inquires on my transuion report  I just pulled.  I even called them and they confirmed.  I call citi customer service and they tell me I have to deal with transunion. Transunion is telling me there is nothing they can do becasue they don't any problems with my report.  I don't know what to try next. Any help would be most appricated. 

 

Citi denial letter consists of two pages.

Page two lists multiple reasons (four, i believe), but that's template page.

Only the reason on page one is applicable to you. 

 

My last CLI request was denied twice, and because I don't handle rejection well, i asked again couple of weeks later.

This time it was approved, with no changes on my CR, and no new SPs.

Increase was higher than the one from six months ago. 

 

Sometimes you just gotta wait till the time is right. SP language remains after denial, so give it a try after a few weeks. 

Message 8 of 12
Wavester64
Valued Contributor
‎11-15-2020 09:04 AM
‎11-15-2020 09:04 AM

Re: Citi CLI denial with 874 score out of 900. Why and Help

@AverageJoesCredit wrote:

no cli is gaurenteed  for anything / anybody regardless of ones score/ income/ spend. Just ask the rest of us who get 0 cli increases from CitiSmiley Wink

Amen to that brother!

 

That is why once I get my CB from Citi next year @ Costco, its bye bye Citi, nice to have known ya.  Smiley Happy






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Message 9 of 12
stonedog23
Frequent Contributor
‎11-15-2020 02:18 PM
‎11-15-2020 02:18 PM

Re: Citi CLI denial with 874 score out of 900. Why and Help

@AverageJoesCredit wrote:

no cli is gaurenteed  for anything / anybody regardless of ones score/ income/ spend. Just ask the rest of us who get 0 cli increases from CitiSmiley Wink

I think at this point the OP isn't as concerned about the CLI as much as he is concerned with the stated false reason for the denial. 

NFCU GoRewards Sig ($40,000), NFCU Cash Rewards ($40,000), PenFed Power Cash ($25,000), FNBO Evergreen Visa ($20,000), Bread Financial Rewards Amex ($21,150), PNC Cash Rewards ($18,400), PNC Cashbuilder ($18,700) , One Key Mastercard ($14,000), Citi Double Cash ($11,600), US Bank Cash Plus($10,000), Discover It Cash ($9000), Capital One Quicksilver MC ($9000), TD Cash ($8000), Bank of America. Unlimited Cash Rewards ($7500), Fifth Third Unlimited Cash Back Mastercard ($7500), Wells Fargo Active Cash Sig($7000), Apple Card ($6000), Amex BCE($6000), Amex ED($6600), X1 Card ($5000), PNC Points ($8000), Amex Cash Magnet($2000), Fifth Third Truly Simple ($4000), Truist Spectrum Cash Rewards($4500), Truist Bright Card($4500), CapOne Quicksilver(Bucketed @$1500 manually lowered to $500), US Bank Cash+ ($1,000), WF mortgage 195K Fico 8: EQ 778, TU 765, EX 758 FICO 9:EQ 829, TU 812, EX 791, AAoA-97 months, AoOA-28 years
Message 10 of 12
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