Citi: Denied CLI

[Anonymous]

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@10022016 wrote:

"We can't approve your request because you currently have the maximum amount of credit we allow without your consent to obtain and review your updated credit report."

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Sort of BS language in this statement if you ask me.  An updated credit report can be obtained with a SP.  It doesn't need to be a HP.

Those of you that said you hit your ceiling with Citi, what was your income relative to the limit (or combined limits) you have with them?

[Thomas_Thumb]

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@AverageJoesCredit wrote:
To me it just means you arent eligble at this time. Ive received this with my Citi Dc, took me forever to get my first ever sp cli but before i got it i received this letter. Funny thing is it took me 9 months just to get sp language, never approved, they finally gave me a $600 auto, reset the clock, then they actually took away the sp language. I tried anyway , no dice. When the 6 months officially passed, they ended up giving me a $2200 increase with the well pull a credit report language showing, though i never did get the hp. Sometimes it might refer to uour overall exposure to Citi amongst all Citi backed cards though i may be wronged. One letter did reference this though.

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Citi is very strict on frequency of CLIs and stingy with SP CLI amounts. I have an AT&T (Citi) Universal card. It is my only account with Citi. The 6 month rule between SP CLIs is strictly enforced. That is likely true for HP CLIs as well.

My SP CLIs over the past two years have been $1800, $2200 and most recently $3000. Current limit is $21,600.