SP Credit Limit Increase

[KLEXH25]

If there’s an opportunity to apply for a SP CLI, is there any reason (aka negative) not to go for it?

Example: I recently got a $2,500 CLI a couple of weeks ago, and the soft pull language is still present, so I’m tempted to try again, but I think the odds are slim. Just wondering if it will do more bad than good.

[Anonymous]

Which lender? By looking at your cards....is it Citi? 

[KLEXH25]

Yeah Citi

[Brian_Earl_Spilner]

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@Anonymous wrote:

Which lender? By looking at your cards....is it Citi? 

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Probably. You can do it sometimes with sync, also.

[KLEXH25]

From what I’ve read it seems you’re only eligible every 6 months, right?

[AllZero]

There was a Citi CLI glitch a while back. You might want to research the approvals forum for that before pressing forward. Maximize the opportunity.

[AllZero]

https://ficoforums.myfico.com/t5/Credit-Cards/SP-Language-AGAIN/m-p/5502329

It appears that sometimes the SP language can still remain but no CLI opportunity.

[KLEXH25]

Ok thanks, I’ll let it be. I think just need to learn to settle down and garden lol.

[AllZero]

You sure you don't want to press the button?

[Anonymous]

With Citi, you should be fine. It will of course be an auto decline being as you just received one, and that will be the reason. Not 100% sure if this resets the 6 month clock though. I've never seen specific wording to that issue, only that I wasn't eligible at this time per their policy.