Just wondering if anyone has the secret password, or magic words for a Citi/Costco CLI? My card is 8 months old. It has its original $6500 cl. I've tried every month since month 6 and it's been no soup for you. Granted, until this month there was a derog reporting, but that is now gone, my FICO updated on their site, but still NADA...I've had the CLI button with the SP language since the card was about 30 days old. Any insight would be welcome
@Peazmom wrote:Just wondering if anyone has the secret password, or magic words for a Citi/Costco CLI? My card is 8 months old. It has its original $6500 cl. I've tried every month since month 6 and it's been no soup for you. Granted, until this month there was a derog reporting, but that is now gone, my FICO updated on their site, but still NADA...I've had the CLI button with the SP language since the card was about 30 days old. Any insight would be welcome
What was the reason given for not giving a cli? Otherwise the magic worg is patience and try again next month. Are there issues on your report like young fike, or high uti?
@Andypanda wrote:
@Peazmom wrote:Just wondering if anyone has the secret password, or magic words for a Citi/Costco CLI? My card is 8 months old. It has its original $6500 cl. I've tried every month since month 6 and it's been no soup for you. Granted, until this month there was a derog reporting, but that is now gone, my FICO updated on their site, but still NADA...I've had the CLI button with the SP language since the card was about 30 days old. Any insight would be welcome
What was the reason given for not giving a cli? Otherwise the magic worg is patience and try again next month. Are there issues on your report like young fike, or high uti?
No reason given yet, I will have to wait for the AA letter. No issue with my report really. Total utilization is 16%. File is thick, average age of accounts is 4 years, oldest account is 17 years. I use this account every month a pay in full. EX score is 717.
@CreditInspired wrote:Are you sure nothing on CR? Seems like score should be higher. What is UT on individual cards? How many inqs in last 3/6/12 mos? What are EQ and TU scores?
Also, do you have any other Citi or Citi-backed cards. When I was declined an increase, the reason was I had reached Citi's max limit. In my case, that is $33.3K.
All reports are newly clean as of 12/1. Last derog dropped off of EX & EQ then.
DISCOVER IT 4275/17500
NFCU Flagship 1946/12000
NFCU Platinum 2353/10000
Citi Costco 276/6500 (this is always used each months organically and paid in full)
Chase 0/6500
AMEX 0/2000
PPMC 0/5000
PP Credit 0/4000
FICO 8
EX 721
TU 737
EQ 717
INQ
EX 4 - Apr 2019
TU 2 - Apr 2019
EQ 5 - Apr 2019; 1 - June 2019
5 new cards were added in April, Auto refinance in June
I’m guessing the inquiries and the new cards may be stopping them from considering a CLI. Just was puzzled as AMEX, DISCO and of course NFCU have had no issue with CLI.
PW: #FREAKSCOMEOUTATNIGHT#WHODINI 
@CreditInspired wrote:
@FinStar wrote:
@Peazmom wrote:
@CreditInspired wrote:Are you sure nothing on CR? Seems like score should be higher. What is UT on individual cards? How many inqs in last 3/6/12 mos? What are EQ and TU scores?
Also, do you have any other Citi or Citi-backed cards. When I was declined an increase, the reason was I had reached Citi's max limit. In my case, that is $33.3K.All reports are newly clean as of 12/1. Last derog dropped off of EX & EQ then.
DISCOVER IT 4275/17500
NFCU Flagship 1946/12000
NFCU Platinum 2353/10000
Citi Costco 276/6500 (this is always used each months organically and paid in full)
Chase 0/6500
AMEX 0/2000
PPMC 0/5000
PP Credit 0/4000
FICO 8
EX 721
TU 737
EQ 717
INQ
EX 4 - Apr 2019
TU 2 - Apr 2019
EQ 5 - Apr 2019; 1 - June 2019
5 new cards were added in April, Auto refinance in June
I’m guessing the inquiries and the new cards may be stopping them from considering a CLI. Just was puzzled as AMEX, DISCO and of course NFCU have had no issue with CLI.
That's fairly possible, plus for a while the negative item was present in your CRs until it was removed. Another thing to consider, while some lenders may be willing or more flexible with CLIs, not all view certain activities with the same lens. Potentially, once time has passed, the [SP] CLI option may yield some fruit.
If you're opted-in to receive eCommunications, the letter is likely available online in the Statements & Documents section unless you opted to receive things by mail.
Also, I will venture to say that having a balance report on 50% of your CCs could be a reason too. Since you PIF, you should try and do so before statement cut so the majority of cards can report a $0 balance.
You have some decent cards and CLs in your stash. Now may be a good time to garden and let the AoYA turn 12 months, and as FinStar says, a SP CLI could yield some fruit.
So in reality, the password, which is not so secret, is TIME 😉.
Thanks all for the responses, you guys! It probably doesn’t matter too much, but the Citi Costco balance is paid before it reports. That amount is just what is on the account at this moment. I’m working on the other 3 balances with the ultimate goal of AZEO...it’s a process 🙂. I am gratefully to have a place to be able to ask the difficult question and know I will be pointed in the right direction. The whole rebuild process has been an exercise in patience, of which I am not blessed with much. I think the most difficulty part for me is now the “busy” work is over. I’m done with the GW letters, the EE calls, etc. and the obsessing about when the baddies are falling off, which is GREAT, but waiting for time to pass is tough for this OLD chick. Anyway, with feet firmly planted in the garden, I will exercise patience, and go pour my first cup of coffee! ☕️
