Citi Costco Visa - 6th statement cuts tonight, still no SP CLI language?

[DeeBee78]

Hi all, 

I got my Costco Visa back in February with a $5,500 limit, where it's stayed ever since. We have been using this thing decently and PIF'ing every month, in hopes of getting a larger limit out of it. This is the card I use for work/travel, due to the decent all-around reward structure for travel and restaurants. This month I got nervous becuase I'm taking two trips back to back, and have already put $4500 on the card, and still have another trip to take. 

Of course work reimburses me in a timely manner, and I pay the card off long before the statement cuts, but I always get nervous about running up against my credit limits, so I've been hoping a SP CLI is coming my way. I've seen that the language can appear at any time, according to the MyFICO'ers in here, but 6th statement seems to be a good bet, right? Here's my usage accoding to my statements:

March 2016: $991.89

April 2016: $1634.70

May 2016: $2338.28

June 2016: $1092.04

July 2016: $2760.13

(likely) August 2016: $4,493.09 ( correct amount unless another charge clears before tonight)

So do you think a 6th statement SP CLI might be headed my way? 

[mattmyFIC0]

I think you should be in good shape for a SP CLI. The worst they can say is no. If you've had a lot of recent new cards or inquiries they might deny you for that (personal experience there lol).

One weird thing for me is that citi won't give me a CLI but they will approve me for new cards. Must be a different algorithm 

[DaJagman]

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@mattmyFIC0 wrote:

I think you should be in good shape for a SP CLI. The worst they can say is no. If you've had a lot of recent new cards or inquiries they might deny you for that (personal experience there lol).

One weird thing for me is that citi won't give me a CLI but they will approve me for new cards. Must be a different algorithm 

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EXACTLY!!!!   They won't give me a SP CLI on my COSTCO Visa or my Citi Prestige but gave me $18K SL on a new Citi Platinum AA

[pizza1]

I believe a few saw the SP language after the 7th statement. It can happen at the earliest 6-7 statements.

[CreditInspired]

I got my first SP language at 3 months and got a $1.5K CLI. The second CLI for another $1.5K was at 6 months. 

If the SP language is there, go for it.

GL2U

[Anonymous]

Also, my dad got his first DC SP CLI at 3 months and again at 6 months. I’d say it’s profile specific.

[bigpoppa09]

DeeBee i wouldn't worry about a HP i just took a HP Cli yesterday and got a extra 7K so to me it was worth it HPs mean nothing in the grand scheme unless u are going for a Mortgage. Take the HP u may be surprised.

[K-in-Boston]

@DeeBee78 if you have the SP language showing now, go for it!  I got my first SP CLIs on both of my Citi cards before they were even open for 3 months.

[SweetCreditObsession]

That makes sense. Thanks for the datapoints!

[FinStar]

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@DeeBee78 wrote:

Hi all, 

I got my Costco Visa back in February with a $5,500 limit, where it's stayed ever since. We have been using this thing decently and PIF'ing every month, in hopes of getting a larger limit out of it. This is the card I use for work/travel, due to the decent all-around reward structure for travel and restaurants. This month I got nervous becuase I'm taking two trips back to back, and have already put $4500 on the card, and still have another trip to take. 

Of course work reimburses me in a timely manner, and I pay the card off long before the statement cuts, but I always get nervous about running up against my credit limits, so I've been hoping a SP CLI is coming my way. I've seen that the language can appear at any time, according to the MyFICO'ers in here, but 6th statement seems to be a good bet, right? Here's my usage accoding to my statements:

March 2016: $991.89

April 2016: $1634.70

May 2016: $2338.28

June 2016: $1092.04

July 2016: $2760.13

(likely) August 2016: $4,493.09 ( correct amount unless another charge clears before tonight)

So do you think a 6th statement SP CLI might be headed my way? 

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Somehow it appears your Costo Visa (and charges) traveled back in time?

At any rate, as @K-in-Boston mentioned earlier, if the SP language displays at any point after your statement cuts, then you can give the CLI request a whirl.