How is Citi and their CL's?

[xgac12x]

Is Citi rather stingy with their credit limits? I got approved for a double cash but it was only $1,200. I would like it to be around 5k but oh well. What was your initial limit?

[Anonymous]

Zero. They have yet to approve me.

[Anonymous]

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@xgac12x wrote:

Is Citi rather stingy with their credit limits? I got approved for a double cash but it was only $1,200. I would like it to be around 5k but oh well. What was your initial limit?

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What's your Equifax score?

I got an initial CL of $3800 on my TYP two years ago and they increased it to $6800 last year

I got an initial CL of $8600 on my Diamond Preferred in June of last year

Niether one were big enough to write home to mom about but they rely heavy on the EQ report I believe.

[mikelo22]

They're known to be a bit stingy with the CL's on the DoubleCash especially. But from my experiences, they're pretty generous with CLI's. You can request a SP CLI every 6 months and they are known to do auto CLI's as well.

I have a Forward at $5k and when I applied for the DoubleCash they beat that limit by a hair at $5.2k. So it's possible that higher limits with Citi beget higher limits.

And like Mackeral said, Citi relies heavily upon EQ, so that could have an impact as well.

[skigirl916]

I hate CITI. I've been sitting with a $1,320 CL (reduced from $2500 5 years ago) that hasn't budged. I've had the card since 1996. And they won't approve me for ANYTHING else. I also banked with them for 18 years.

[mongstradamus]

I got 6,000 CL and 17.99 apr so i would say they are pretty meh. At least i got an free experian fico score out of it lol. It was an Citi AA card by the way.

[xgac12x]

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@mikelo22 wrote:

They're known to be a bit stingy with the CL's on the DoubleCash especially. But from my experiences, they're pretty generous with CLI's. You can request a SP CLI every 6 months and they are known to do auto CLI's as well.

I have a Forward at $5k and when I applied for the DoubleCash they beat that limit by a hair at $5.2k. So it's possible that higher limits with Citi beget higher limits.

And like Mackeral said, Citi relies heavily upon EQ, so that could have an impact as well.

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So basically I should just use the card with the low limit and then ask for a SP CLI in 6 months?

[Anonymous]

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@xgac12x wrote:

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@mikelo22 wrote:

They're known to be a bit stingy with the CL's on the DoubleCash especially. But from my experiences, they're pretty generous with CLI's. You can request a SP CLI every 6 months and they are known to do auto CLI's as well.

I have a Forward at $5k and when I applied for the DoubleCash they beat that limit by a hair at $5.2k. So it's possible that higher limits with Citi beget higher limits.

And like Mackeral said, Citi relies heavily upon EQ, so that could have an impact as well.

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So basically I should just use the card with the low limit and then ask for a SP CLI in 6 months?

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I don't recall you saying how old the DC is but you might have luck with a recon if it's fairly new. Other wise, yes, use the card and in 6 months if the limit hasn't gone up you can request a CLI if you wish. But it's still going to depend on what your EQ report reads.

[xgac12x]

Ive had it for 2 days. lol but alright, thank you so much. Tbh Im just glad to be approved for the card

[mongstradamus]

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@xgac12x wrote:

Ive had it for 2 days. lol but alright, thank you so much. Tbh Im just glad to be approved for the card

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If Citi is like how they were when DC first came out you will need an second HP to get decent CL.