@Anonymous wrote:Denied a CLI for the first time!
Did the AA letter say why?
I am getting shot down for CLIs with Citi for a BK that hasn't been on my report for a few months now 
@Anonymous wrote:Denied a CLI for the first time!
Sorry for your CLI denial
Could be signs of the purse strings tightening? (in general)
I had No increases from Citi and BoA for a while
BoA last was 08-06-2019 for $2K
And Citi a year or more.
I am 99.999% sure this is due to my "credit seeking behavior".
@Anonymous wrote:Haven't received the letter yet. Probably because of COVID because there's nothing wrong with my file.
You were denied so there is something they didnt like. Strong files can defeat Covid , so long as you use proper precautions
Soft pull or Hard pull?
If soft pull, nothing new.
From what I can tell.
Citi may determine that your exposure on one CC has plateaued.
Doesn't mean they won't give you more. They'd prefer it be on a different card.
I was told I was at max exposure on my DC a few years ago. Which at the time was $30ish K. After lowering my limit to fund another card.
I was able to open several more CCs. Taking the exposure above $60k.
Sorry to hear about the denial!
I'm assuming it's just a SP so no worries try again after 31 days!
@Anonymous wrote:Haven't received the letter yet. Probably because of COVID because there's nothing wrong with my file.
Unless Citi is showing you a 900 Equifax FICO 8 BE score, there will be something wrong with your file. I would wait until you receive the letter. COVID will likely not be the denial reason stated - there are numerous DPs of people receiving Citi CLIs during this pandemic, including myself. Recent credit-seeking, or taking into account where your current limit is now, possible maximum exposure are more likely. You also recently asked if you should unfreeze your reports - were they frozen at the time you asked?
