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Citi cli rules

Chandler455
Established Contributor

Citi cli rules

How long do you have to have a citi card before you get sp language in the app 91 days? 6 months? A year?

 

 

thanks

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Ficoproblems247
Valued Contributor

Re: Citi cli rules

No hard and fast rule that I am aware of. Some people have been successful smashing the luv button as soon as they activate their card but I think that is ultra rare. 6 months is the most likely scenario, however they may make you wait a bit longer and is profile dependant. I had SP language on mine from the time I activated my DC account until they granted my first CLI, even though I had a few denials first along the way. I never had HP language until immediately after I requested my increase. Once they grant you a CLI, they are kind enough to provide you with a 180 day timer to remind you of the exact date you are eligible to request again which I think is pretty cool. 


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Chandler455
Established Contributor

Re: Citi cli rules

Cool thanks my cli just says call in I'm sure it'll change over time

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Ficoproblems247
Valued Contributor

Re: Citi cli rules


@Chandler455 wrote:

Cool thanks my cli just says call in I'm sure it'll change over time


Really? Weird! What is the exact verbiage that it has, I'm just curious because I've not heard that one before. 


FICO 8: June '21 EX 751 EQ 746 TU 744
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Chandler455
Established Contributor

Re: Citi cli rules

49E67C3A-7C77-463D-BA9C-AC52709E2722.pngThis is under lending --> credit line increase 

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NFCU platinum 18k | Best Buy visa 10k | NFCU Flagship 8k | discover it 4.7k | kohls 3k | target 800

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Ficoproblems247
Valued Contributor

Re: Citi cli rules


@Chandler455 wrote:

49E67C3A-7C77-463D-BA9C-AC52709E2722.pngThis is under lending --> credit line increase 


Very interesting! Well...if you decide to take one for the team and call them to see what gives, let us know what they say! I'm sure they would explain it to you why you can't request online. 


FICO 8: June '21 EX 751 EQ 746 TU 744
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fatcomic
Regular Contributor

Re: Citi cli rules


@Chandler455 wrote:

49E67C3A-7C77-463D-BA9C-AC52709E2722.pngThis is under lending --> credit line increase 


I had that message my Home Depot card after I backed out of doing a HP CLI.   I tried it again in a few days after I decided I'll take the HP hit, because either the limit needed to increase to something usable or the card was on the chopping block.   It gave me the call in to complete your request message, I said forget it and didn't call in.  Then I get an envelope in the mail a few weeks later with a 10% off coupon and a notice that they increased my CL.   

Maybe that is a sign that Citi is looking at doing an auto CLI soon?  I'm not sure, just my experience from seeing that message.  


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