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Citi Double Cash CLI Declined

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Regular Contributor

Citi Double Cash CLI Declined

"We can't increase your credit limit at this time
Thanks for contacting us about an increase for your Citi® Double Cash
Mastercard® account. 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. This decision was based on a
review of all of your accounts issued by Citibank, N.A. such as Visa®,
Mastercard®, store cards or gas cards."

 

Does this only mean that I have reached the max credit limit for my income?

 

American Express Blue Cash Every | Discover it | Citi Double Cash | Capital One Quicksilver | Amazon Store Card | PayPal Credit | J. Crew | Old Navy | All approved in 2015. FICO 08: 796/796/796 (roughly). Garden Club member since 10/13/2015.
Message 1 of 10
9 REPLIES 9
Super Contributor

Re: Citi Double Cash CLI Declined

It means they need a HP to evaluate you for any more based on the verbiage. 

 

Probably not worth throwing that shiny diamond away for. 



01/2019:
1/2020:

Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 2 of 10
Community Leader
Valued Contributor

Re: Citi Double Cash CLI Declined

They want to do a HP. If it’s important enough to risk a HP, go for it. However, you might not even get your increase. It’s your call. Good luck!

Discover It: 19.7k
Amex BCE: 18k
Citi DC: 5.7k
~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
Message 3 of 10
Regular Contributor

Re: Citi Double Cash CLI Declined

Can someone try to answer the question I have in RED?

American Express Blue Cash Every | Discover it | Citi Double Cash | Capital One Quicksilver | Amazon Store Card | PayPal Credit | J. Crew | Old Navy | All approved in 2015. FICO 08: 796/796/796 (roughly). Garden Club member since 10/13/2015.
Message 4 of 10
New Contributor

Re: Citi Double Cash CLI Declined

IMO, and I am going to answer the portion in red. 

 

There is a not a "income limit". I have seen people who make 40,000 a year have credit lines from all cards match a well higher than their income. CITI is known to be generous. They also love to click that HP on the other  credit cards they have under their belts. 

 

The real answer is that it just depends on you're income. I have no idea how much you make nor is it our business. I just know they factor in other debts such as loans, and mortgage when it comes to issuing more credit. They sometimes scan the other credit cards you may have. 

 

 

Message 5 of 10
Community Leader
Mega Contributor

Re: Citi Double Cash CLI Declined


@10022016 wrote:

Can someone try to answer the question I have in RED?


When was your last increase? 

 

Message 6 of 10
Regular Contributor

Re: Citi Double Cash CLI Declined

But @Saeren and @ pinkandgrey did answer your question in red.

Citi's statement seems clear enough, and doesn't even contain the word income.
IKEA Projekt 22k, NFCU CashRewards 20k, BECU Cash Back Visa 20k, NFCU More Rewards 16.7k, Wayfair 16k, Overstock.com 12k, NFCU Plat 11.8k, AmEx BCP 10k, PNC Cash Rewards Visa 10k, NFCU CLOC 10k, Lowe's 10k, Citi DC 9.5k, BBVA Clear Points 7.5k, PayPal 2% 5.5k, Kay 5.25k, Huntington Voice Plat 5.1k, 5/3rd Trio 4k, Amazon Store 4k, PayPal Credit 3.5k, AmEx ED 3k, J.Crew 3k, Disco it 2.9k, Huntington Voice Rewards 2.9k, Disco it Miles 2.5k, Citi Goodyear 1.9k, Cap 1 Plat 1.75k, WF Cash Wise 1.5k, Cap 1 QS 1.45k, AmEx Gold Delta 1k
Message 7 of 10
Super Contributor

Re: Citi Double Cash CLI Declined


@10022016 wrote:

"We can't increase your credit limit at this time
Thanks for contacting us about an increase for your Citi® Double Cash
Mastercard® account. 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. This decision was based on a
review of all of your accounts issued by Citibank, N.A. such as Visa®,
Mastercard®, store cards or gas cards."

 

Does this only mean that I have reached the max credit limit for my income?

 


No it doesn't.


Total revolving limits 639500 (558000 reporting)
Message 8 of 10
Community Leader
Super Contributor

Re: Citi Double Cash CLI Declined


@10022016 wrote:

"We can't increase your credit limit at this time
Thanks for contacting us about an increase for your Citi® Double Cash
Mastercard® account. 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. This decision was based on a
review of all of your accounts issued by Citibank, N.A. such as Visa®,
Mastercard®, store cards or gas cards."

 

Does this only mean that I have reached the max credit limit for my income?

 


I’m no expert, but I say the answer to your question is no—it’s not based on only your income.

 

I got the same exact response when I asked for a CLI and I took it to mean that based on my credit profile via a SP review and their internal maximum amount allowed thereof, they would only “consider” an increase after reviewing the credit report through a HP.

 

Just my take on it.

REVISED GOAL: Garden ‘til Dec 2020 — 0 inquiries

Previous Goal: Garden til APR 2020 (extended) and
800 Club (accomplished)


DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799
DEC 2017: EX 775, TU 778, EQ 769

|| NFCU CashRewards $30K || AmX Cash Magnet $30K || Discover IT $22.2K || Macy's $20K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 9 of 10
Valued Contributor

Re: Citi Double Cash CLI Declined


@10022016 wrote:

"We can't increase your credit limit at this time
Thanks for contacting us about an increase for your Citi® Double Cash
Mastercard® account. 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. This decision was based on a
review of all of your accounts issued by Citibank, N.A. such as Visa®,
Mastercard®, store cards or gas cards."

 

Does this only mean that I have reached the max credit limit for my income?

 


No. There are many things a lender takes in consideration when giving CLIs. Income is one but there's also history (AAoA, history with the lender, other cards, other accounts, any negatives/baddies, etc.). A lender may decline simply because of too many inquiries. They may decline since you may only be using 1% of your total CL. They may decline because you may use $10 a month and they don't see a point in giving a 10k line. There can be many reasons why a CLI can be declined.



Scores - All bureaus 750 +/-
TCL - Est. $275K
Message 10 of 10
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