Citi CLI

[FalconSteve]

I'm eligible for a CLI (well, my wife is, but she couldn't care less) and if approved, Citi locks you out from increases for 6 months. Our last Citi statemlient didn't have anything on it (a $365 transaction posted a few hours too late) and the one before that didn't have much on it (SoFi has become our main card because it doesn't have the $25 minimum redemption). Before that, they posted with modest activity. Do I need to wait for a CLI until next month? Does Citi care if activity is after a statement, but before the request? Do they even need a lot of activity for a CLI?

I am buying a house next year and my Dad died in the end of August (so his accounts aren't boosting my score as much), so I want to maximize my score.

I believe the account is eligible on 12/19 and the statement was 12/10

[Anonymous]

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@FalconSteve wrote:

I'm eligible for a CLI (well, my wife is, but she couldn't care less) and if approved, Citi locks you out from increases for 6 months. Our last Citi statemlient didn't have anything on it (a $365 transaction posted a few hours too late) and the one before that didn't have much on it (SoFi has become our main card because it doesn't have the $25 minimum redemption). Before that, they posted with modest activity. Do I need to wait for a CLI until next month? Does Citi care if activity is after a statement, but before the request? Do they even need a lot of activity for a CLI?

I am buying a house next year and my Dad died in the end of August (so his accounts aren't boosting my score as much), so I want to maximize my score.

I believe the account is eligible on 12/19 and the statement was 12/10

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From decades of using Citi for credit cards I have come to the following conclusions;

I never ask anymore for a CLI it is the same HP's as a new card and the CLI's where a fraction of what I would get if I just went for another new card.  I might or might not get a CLI of lets say $5,000 but with the same HP for a new card they usually issue me a new $15,000 card. And for the new cards I have never been denied by Citi unlike a CLI. I am going back around 8 years now since I stopped doing CLI's at Citi. I will be doing a CLI at Best Buy Visa and Macy's AX but thats it.

Thanks

Mark

[tcbofade]

If you are eligible, a Citi CLI is a soft pull.

They'll tell you if they need a hard pull to proceed.

If it's been more than six months since your last CLI, go for it!

Good luck!

[FalconSteve]

Sometimes Citi does a HP, but usually they do a SP now and you can tell from the language beforehand. I've never had a HP from requesting a CLI from Citi, but I have seen the HP message and I just waited for it to change to SP language. The issue with a new card is not just the HP, but it lowers the AAoA (average age of accounts) and AoYA (Age of Youngest Account) too.

Most of my open accounts are less than 2 years old (non use of older accounts) and my closed accounts only have about a 10-12 year history (32 years old and some accounts fell off)

[staticvoidmain]

Not sure what specifically it is that you still need info on. Your earlier thread on the same topic pretty much answers the concerns that you have now.

https://ficoforums.myfico.com/t5/Credit-Cards/What-does-Citi-like-to-see-for-CLI/td-p/6204838

[FinStar]

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@staticvoidmain wrote:

Not sure what specifically it is that you still need info on. Your earlier thread on the same topic pretty much answers the concerns that you have now.

https://ficoforums.myfico.com/t5/Credit-Cards/What-does-Citi-like-to-see-for-CLI/td-p/6204838

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@staticvoidmain - please note that the thread you referenced is not from "earlier". That thread is from 2020.

Perhaps the OP needs a refresher or more clarity on how things are evaluated by Citi these days.

[staticvoidmain]

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@FinStar wrote:

Perhaps the OP needs a refresher or more clarity on how things are evaluated by Citi these days.

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A year ago is considered earlier. What adjective do you suppose I use? I was trying to help OP look for answers by referencing his own thread. I asked OP specifically what else he needs info on so people can be more clear on answers.