Costco Citi Card - Best Practices for CLI

[Anonymous]

I recently got the Costco Citi Card. I want to follow the best practices for the next 6 months as I have items coming off my credit over this time and I want to take advantage of a credit line increase after this time passes to capitalize on the largest increase they can offer.

Anyone who has this card that has been able to get a decently sized limit increase can you provide some insight?

Thanks!

[Bizambish]

Citi has been very generous with credit limit increases for me. I would say just use the card and pay it down and you’ll be in good shape. There should be language in your account service page that says you can request a CLI with no hard pull.
Good luck!

[JLRDC909]

I've often found that the largest CLI are when they give them to you, without you initiating a request. But I'd say go for it after 6 months. They do a soft pull and use that CR and CS that's on your Citi profile and they only do that pull 1x a month so when you do a request make sure that your utilization is low 

[Anonymous]

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@JLRDC909 wrote:

I've often found that the largest CLI are when they give them to you, without you initiating a request. But I'd say go for it after 6 months. They do a soft pull and use that CR and CS that's on your Citi profile and they only do that pull 1x a month so when you do a request make sure that your utilization is low 

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CR and CS?

Im not up on all the acronyms.

[FinStar]

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@Anonymous wrote:

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@JLRDC909 wrote:

I've often found that the largest CLI are when they give them to you, without you initiating a request. But I'd say go for it after 6 months. They do a soft pull and use that CR and CS that's on your Citi profile and they only do that pull 1x a month so when you do a request make sure that your utilization is low 

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CR and CS?

Im not up on all the acronyms.

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CR = Credit Report

CS = Credit Score

For your reference, the link below provides a good list of them:

https://ficoforums.myfico.com/t5/User-Guidelines-General/Common-Abbreviations/m-p/88458

[Aim_High]

My experience and what I've seen more often is slow and steady with Citi/Costco.  You can soft pull CLI once every six months.  Lately I've gotten $1.5K but previously $3K was common. That was with light usage. Heavier usage might help.  I believe you can also call them and ask for hard pull CLI which might be more generous.