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Citi DC Initial CL Recon - Denied

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js0319
Established Contributor

Citi DC Initial CL Recon - Denied

I requested and increase from $3.6k to $25k, hoping for a counter-offer. That didn't happen. I got a flat-out denial, and they stated they wanted to see history on the card first. How long does it usually take to get a SP CLI, and how much do I need to run through the card?


AMEX PRG - NPSL I AMEX Everyday Preferred - $34.8k I Capital One Venture - $20k I Chase Sapphire Preferred - $25.5k I Chase Southwest Rapid Rewards Premier - $20.7k I Barclay Arrival + - $10k I Capital One Quicksilver - $10k I NFCU Flagship Rewards Visa Signature - $15k I NASA FCU - $10k I Texell FCU Visa - $5k I Chase Freedom - $9.9k I Citi Double Cash - $7.8k I Discover IT - $5k I NFCU CLOC - $15k I Total Unsecured Credit - $188,700

EQ FICO - 714 (5/24/16) I TU FICO - 772 (5/24/16) I EX FICO - 770 (5/24/16)
Message 1 of 21
20 REPLIES 20
chalupaman
Super Contributor

Re: Citi DC Initial CL Recon - Denied

Sometimes the site will have an option where you can request a CLI without any credit report requested. You just have to check on that every once in a while. I forgot when I first started getting that message though but it was well before my card even turned a year old. If you're successful with that, you have to wait six months or so to be able to actually apply for another CLI without as much of a chance of getting denied.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 2 of 21
FinStar
Moderator Emeritus

Re: Citi DC Initial CL Recon - Denied


@js0319 wrote:

I requested and increase from $3.6k to $25k, hoping for a counter-offer. That didn't happen. I got a flat-out denial, and they stated they wanted to see history on the card first. How long does it usually take to get a SP CLI, and how much do I need to run through the card?


If your account is elegible, 6 months would be the earliest timeframe to see if it qualifies via SP.  Use it well and frequently so you can establish some internal history with the card.

Message 3 of 21
Creditaddict
Legendary Contributor

Re: Citi DC Initial CL Recon - Denied


@js0319 wrote:

I requested and increase from $3.6k to $25k, hoping for a counter-offer. That didn't happen. I got a flat-out denial, and they stated they wanted to see history on the card first. How long does it usually take to get a SP CLI, and how much do I need to run through the card?


did you do this online and sent for manual review and it came back denied with no counter?

Message 4 of 21
uswala
Senior Contributor

Re: Citi DC Initial CL Recon - Denied


@chalupaman wrote:

Sometimes the site will have an option where you can request a CLI without any credit report requested. You just have to check on that every once in a while. I forgot when I first started getting that message though but it was well before my card even turned a year old. If you're successful with that, you have to wait six months or so to be able to actually apply for another CLI without as much of a chance of getting denied.


I got that within 2 days of opening my new DC account. When I activated the card I asked for a CLI and they approved with HP, but considering the SP CLI option I asked for a CLI again and they denied me saying I need to wait 6 months for another CLI.

Message 5 of 21
baller4life
Super Contributor

Re: Citi DC Initial CL Recon - Denied

Who do they pull for cli? EQ?
Message 6 of 21
Creditaddict
Legendary Contributor

Re: Citi DC Initial CL Recon - Denied


@baller4life wrote:
Who do they pull for cli? EQ?

TU

Message 7 of 21
baller4life
Super Contributor

Re: Citi DC Initial CL Recon - Denied

Yeah that's who they pulled for my initial approval. I'll be requesting a cli as soon as I get it. Stalking the mailman Smiley Happy
Message 8 of 21
uswala
Senior Contributor

Re: Citi DC Initial CL Recon - Denied

They pulled EQ and EX for my app and then EQ again for the CLI.

Message 9 of 21
chalupaman
Super Contributor

Re: Citi DC Initial CL Recon - Denied

Here where I live its EX for Hp clis and EQ for SP CLIs.
Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 10 of 21
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