Question is citi double cash giving cli's at this time.

[FalconSteve]

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@FinStar wrote:

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@firefox100 wrote:

Couple of days ago I got cli for 2K on my propel creditcard from 18K to 20K, question is how long should I wate to try again with Citi.

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They're two totally different lenders with their own UW criteria.  So WF may have said yes, but BoA said no, SYNCB said yes, Citi said no.  You can maybe try Discover?

As echoed above, Citi can allow (if approved) another CLI after 6 months, but there's no guarantee that it may approved.  You know this because this is typically how lenders work and it's all profile driven.  

Even during these economic times, I have received 2 SP CLIs.   So, Citi still gives, but I'm sure they've tightened their purse strings quite a bit.  I'd say try again in the next few months.

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AmEx doubled my credit from $10k to $20k

TD Bank gave me nothing

AmEx gave my wife 3x

Citi DC & Discover gave her nothing

@FinStar is exactly right

[FalconSteve]

You should double check to make sure that 0% APR is on purchases. When I was going over the paperwork for ours, I discovered that our 0% APR didn't apply to purchases, just balance transfers (luckily that isn't why we got the card).

[Anonymous]

That's a good point above, wouldn't want to get that wrong.

[firefox100]

The 0% offer on Balance transfers only is when you open a new double cashback card only, account I have is existing account in which I called Citi and ask if there where any offers on my account. The CSR said this was only offer on my account 0% on purchases through June of 21.

 I don't have lot of data but this is my instinct that Citi and Discover are granting to many  credit limit increases at this time and US bank and Wells Fargo are easer to get credit increases on existing accounts if they been handle well.

[firefox100]

If I was clear in my last post I ment that Citi and Discover wher granting as many increases at this time, you may have better chance with Wells Fargo and US bank. One reason I think Discover is not granting increases at this time new card holders need to wate  year before they can ask for line increase. When times where good before Covid discover was giving out lot of new accounts and granting large credit lines they may be cutting there risk at this time.

[Anonymous]

Again circling back to Post 27, it's all based on individual profiles.  Where you may be having little success with Discover or Citi and are having success with WF and USB, there are others experiencing the exact opposite.  If you go into the approvals section of the forum you can find plenty of threads with people citing Discover and Citi CLIs received.  There are also threads of course with WF/USB CLI successes.  The reason people receive or don't receive CLIs from those lenders has to do with how the lender views their profile.  Yes it has been discussed that newer Discover accounts aren't able to receive CLIs, but that's a different "rule" outside of the norm where older accounts have still been receiving CLIs frequently.  Blanket statements can't really be made when it comes to CLIs with any specific lender (again, outside of hard rules) because different profiles yield different results.

[firefox100]

Up date on my Citi double cash back mastercard, happy days are here again.Since mid november of 2020 and up to day I put about 700 dollars spend on my Citi DC mastercard lot of small transations at grocey stores and drugs stores and also today spent 170 dollars at Wallmart. I also made couple of hundred dollars in payments much more then the minimum payment required I have Zero percent offer until June of this year. I called Citi bank to day and ask for credit increase on my account They ask me couple of questions at end of phone customer rep sat Congratulations you got approved for an increase of 2K now your total credit limit is now 17.6K. I think Citi bank is changing some what they are loosening up.

[firefox100]

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@firefox100 wrote:

Up date on my Citi double cash back mastercard, happy days are here again.Since mid november of 2020 and up to day I put about 700 dollars spend on my Citi DC mastercard lot of small transations at grocey stores and drugs stores and also today spent 170 dollars at Wallmart. I also made couple of hundred dollars in payments much more then the minimum payment required I have Zero percent offer until June of this year. I called Citi bank to day and ask for credit increase on my account They ask me couple of questions at end of phone customer rep sat Congratulations you got approved for an increase of 2K now your total credit limit is now 17.6K. I think Citi bank is changing some what they are loosening up.

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Another data point now I only have one other credit card reporting balance to cloud the US Alitude go visa 450 dollars may be citi no longer think I have to many balance out standing now.

[FinStar]

As the OP has provided an update on their successful CLI request, this thread is now locked and closed to new messages.