@myjourney wrote:+1 I'm kind of with Pizza on this one but I would also like to know what other cards you have (lenders) and what is current UTL in relationship to at time of CLD and current?
What I'm looking for is a diverse set of lenders no card over 15% UTL and overall UTL under 10% now
I'd love to see that too... but probably not for a couple of months 
Although a raise and an extra payday this month will help with that.
At the time of CLD I had 80%+ util and got balance chased as I was paying Citi down. Today I'm around 40% and falling (as fast as they can report).
Two Citi, two Chase (zero balance), Barclay Sallie Mae, Discover It, toy BofA and Capital One cards, Amex BSP, CU card (that just got a 4x CLI today to no-fee BT the Amex at 10% lower APR!). Only two store cards, 8 yr old Macys and 2 yr old VS, zero balance on both.
@NoAnchoviesPlease wrote:Had my two Citi cards CLD earlier this year due to utilization with other creditors. Less than 20% on each, so not bad as BofA's 80% CLD, but still suboptimal (and it hurt util even more for a month or so).
I've been reducing util over the last few months, and am looking at going for Prestige or AAdvantage Executive. Wondering if I should request CLIs on the other two cards first (in case they want to move CL around), or wait for them to HP and then try for CLIs (since they'd have latest info and a HP).
Also wondering if anyone has experience with engaging a "Citi Client First Account Specialist." Not sure if they could help with this sort of decision or what I'd enlist them for, but the mention has been showing up on my statements for a few months now.
Starting from 2009, I got CLD/ balance chased on a number of accounts, including my two Citi accounts. They closed one, I closed the other to keep the APR they were trying to change, so have been paying down those two cards, still paying them down though the balances are in the range of $1k each now.
In 2012 I responded to a mail offer for the Diamond Preferred and was rewarded with a $1k limit. Been using that card, BT offers, some spend, some promos and such, still paying on the closed cards. The Diamond Preferred was my way to show responsible new charges and paydown activity.
I started watching the Citi Prequalification page early in 2015, and got only ranges of APR after the promo APR. Then as my balances overall continued to come down and after June when my scores bumped up a significant amount, to 750 - 780 range, my Citi prequal pages got to the best APR after the promo period. So I applied for the AAdvantage Platinum, got the lowest APR and $13k limit.
Your scores seem low. Your utilization seems high still (this from someone who knows from high utilization).
If I were you, I'd use the Citi prequalification tool exclusively as your barometer of when you can apply for your next Citi card. Only when you get a single APR listed, after any 0% promo period, should you apply at that moment, and you probably even want to wait until lower single APR are shown. If the range of APR is the result, that likely lowers your chance of success. It may take a while, but using that prequal tool and the APR guage will save you some wasted HP, in my opinion.
as Dori would say... "Just keep payin' Just keep payin'"
