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Citi DC Initial CL Recon - Denied

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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
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.

Total CL: Around $168,750 not counting hidden TLs. FICOs in the 700-730 range.

Main cards: Macy's Amex: $24k, Lowe's, $17k, Chase Sapphire Preferred: $7k, Chase AARP: $5.2k, Chase Freedom: $5k, Chase British Airways: $5k, Discover It: $1.5k, Barclays Arrival: $2.5k, Sam's Club MC: $8.5k, Stash: $8k, Sam's Club: $10k, Wells Fargo Propel: $8k, Paypal Smart Connect: $4.9k, Amazon Store Card: $6k, Cabelas Club Visa: $5k, Nordstrom: $5k, CapOne Quicksilver: $2k
Message 2 of 21
Moderator

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
Epic 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
Senior Contributor

Re: Citi DC Initial CL Recon - Denied


@popamode72 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
Super Contributor

Re: Citi DC Initial CL Recon - Denied

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

Re: Citi DC Initial CL Recon - Denied


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

TU

Message 7 of 21
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
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
Super Contributor

Re: Citi DC Initial CL Recon - Denied

Here where I live its EX for Hp clis and EQ for SP CLIs.
Total CL: Around $168,750 not counting hidden TLs. FICOs in the 700-730 range.

Main cards: Macy's Amex: $24k, Lowe's, $17k, Chase Sapphire Preferred: $7k, Chase AARP: $5.2k, Chase Freedom: $5k, Chase British Airways: $5k, Discover It: $1.5k, Barclays Arrival: $2.5k, Sam's Club MC: $8.5k, Stash: $8k, Sam's Club: $10k, Wells Fargo Propel: $8k, Paypal Smart Connect: $4.9k, Amazon Store Card: $6k, Cabelas Club Visa: $5k, Nordstrom: $5k, CapOne Quicksilver: $2k
Message 10 of 21
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