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Citi DC CLI timeline question

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Ficoproblems247
Valued Contributor

Citi DC CLI timeline question

I was denied for a CLI on my DC, reason stating that my account has not been open long enough to be considered for an increase. My 3rd statement cut a few weeks ago and I waited on my EQ Bankcard FICO 8 to update on Citi's site, as I saw a 67 point increase this month. I've seen folks get CLIs at 91, and sometimes even 61 days after account opening. Just curious if their CLI timeline was a YMMV situation? I have had SP language since the day I opened my account and it still remains. It looks like a "No harm, no foul" type thing where they're just telling me I'm too early I guess? My plan was to keep trying after each new statement cuts until I either see some luv, or a profile related reason for a denial. Just curious if anyone else had a similar experience, and how long it took for Citi to show you some luv? 

Card opened 10/16/19, CL $1,000. 
EQ bankcard 8 at the time of approval: 664.

Current bankcard 8: 732. 
(Scores per Citi's site. I'm also assuming this is the score they're using to gauge my profile.)





FICO 8 Sep '23 EX 755 EQ 765 TU 739
TCL $199,800
Message 1 of 14
13 REPLIES 13
Andypanda
Established Contributor

Re: Citi DC CLI timeline question

6 months/181 days

Message 2 of 14
Ficoproblems247
Valued Contributor

Re: Citi DC CLI timeline question

Mannnnnnnnnn. I hate waiting! 😭 Thanks for the info! Much appreciated!  





FICO 8 Sep '23 EX 755 EQ 765 TU 739
TCL $199,800
Message 3 of 14
FinStar
Moderator Emeritus

Re: Citi DC CLI timeline question

The initial timeline from account opening is definitely a YEMV thing.  Some have been able to obtain a SP CLI before the first 6 months, while others have to wait, which is perfectly ok. 

 

The good thing is that your initial attempt doesn't reset the clock, but I'd wait until your account hits the 6-month mark and try again.  If/once approved, then it typically follows a 6-month cadence. 

Message 4 of 14
Remedios
Credit Mentor

Re: Citi DC CLI timeline question

My first CLI (and the only one because new card) happened right after 2nd statement. Card was opened on 11/20 and CLI was last week, so a little bit over 8 weeks. 

Message 5 of 14
FinStar
Moderator Emeritus

Re: Citi DC CLI timeline question


@Remedios wrote:

My first CLI (and the only one because new card) happened right after 2nd statement. Card was opened on 11/20 and CLI was last week, so a little bit over 8 weeks. 


Yes, @Remedios obtained her 'early' SP CLI, because Citi felt she was special ❤️😁

Message 6 of 14
Remedios
Credit Mentor

Re: Citi DC CLI timeline question

I am special 👸

Message 7 of 14
Ficoproblems247
Valued Contributor

Re: Citi DC CLI timeline question

Well considering I was somewhat subprime when they approved me I'm sure I fall quite a bit lower on the "specialness" totem, haha. I am just great full that Citi played a part in my rebuild as I feel it's a great card. I'll use it, pay it, and I'm sure in time they'll warm up to me with my increase in scores. Thanks, everyone for your DPs!





FICO 8 Sep '23 EX 755 EQ 765 TU 739
TCL $199,800
Message 8 of 14
SFLSpotter9210
Valued Contributor

Re: Citi DC CLI timeline question

My personal experience was 61 days from opening on all 3 of my cards. I was actually approved for 4 total Citi cards 3 core and 1 cobranded within 13 days on January 17-February 1st 2019. Good luck with your journey 👍. 

NFCU Flagship 32,500 | Penfed PowerCash 8,750 | PENFED GOLD 12,500 | PenFed PL 20,000 | NFCU AMEX Rewards 37,500 | NFCU GoRewards 7,000 | FNBO VISA SIGNATURE 13,700 | Capital One Quicksilver 6,300 | Lowe’s 34,500 | Wells Fargo Propel 19,700 | Barclay1k | Citi premier+ 13,600 | Citi Double Cash 18,800 | Citi Simplicity 10,000 | PNC Core VISA 22,500 | USAA AMEX 13,000 | citi custom cash 11,600 | BB&T Rewards 4,500 | BB&T Bright Card 4,500 | GS Apple 7,500 | Chevron 2,500 | Fico 8 Scores EQ=848 | EX=799 | TU=830scores and CL current as of 03/16/25 AAoA years 24 months | AoOA=18yrs
Message 9 of 14
FICOnoob2020
Valued Member

Re: Citi DC CLI timeline question

On my new Citi DC card, I made SP requests a week after the third statement and a week

prior to the fifth statement.  Both were declined.

 

The day the fifth statement cycle closed I was given a 40% increase without making another request.  Go figure.

 

I tried another SP request the next day and was denied.

 

I have not made a single purchase with the card, using it exclusively for no-fee BTs thus far.  Max reported utilization was 68%, min reported utilization was 28%, and it was sitting at 38% at the time of the increase.

 

I signed up and completed a "make 3 automatic payments for a $50 statement credit" promotion while I am slowly/steadily paying down the balance toward zero by month nine.

 

Sorry to ramble.  Hope this info is helpful!

Message 10 of 14
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