Should I request a Citi DC CLI?

[taxi818]

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@Creditaddict wrote:

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@Anonymous wrote:

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@Creditaddict wrote:

1. I think around 3-4 months you will probably have a SP CLI check option... when you log in now and go to request a credit limit increase does it say "it's easy to see if you qualify for a credit line increase and no credit pull is needed" or "by clicking below you know Citi may pull your credit"

If you don't need more, I might just wait until you get the SP option... otherwise if you go the manual review option, I would ask for $25k and let them counter if they don't approve full amount.

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It says, "It's easy to find out if you qualify for a credit limit increase. By clicking "Continue" you understand that we will obtain a credit bureau report to evaluate your request. Our credit department will review your request within 24 hours."

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then I would just keep checking each month after your statement until it says "no credit check"!

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This is the message i just got. last month it was Sp. but was denied. i think at 6 month mark op you would be ok. patience with citi. i know it took over a year to get cli with my best buy.

[Anonymous]

I would caution patience as well, I was bored and curious the other day and gave it a shot.  My most recent baddie is nearing the 7 year mark in March 2016, they denied my CLI because of 6.5+ year old late payments.  My UTIL on my Chase AARP isn't the best right now (first statement posted right after a BT and before I was able to bring it down in the 30-40% range) so that might have played into it too, but they only listed the late payments.  Waste of a HP but at this point it's whatever lol

Oz