@Janneman I'ma be honest. It took me about 5 years to figure out that I only get an increase when requested from Citi on my BBY Visa. $0 balance, scores over 740, inquiries don't seem to affect it for me, but I traditionally don't carry alot of them, however EQ (which they always pull for me here in NC) has had the most inquiries of all 3 most of the time... weird. NEVER got an auto-increase from them. Don't know if its the same for the legacy cards tho.
@Janneman wrote:
@SouthJamaica wrote:
@Janneman wrote:
@SouthJamaica wrote:
@Janneman wrote:I have Citi Custom card for the last one year and I have been showing big spendings since it got opened to earn SUB and for other reasons, yet still I am NOT getting any CLI and I am wondering why....Does anyone experience the same?? They are not giving me any specific reason...There is no changes in my scores or credit reports when CLI requests were made....I thought Citi does offer CLI every 6 months, but this account NEVER got any increase since it opened....Any hunch??
If you're applying for a CLI and being declined, I'm sure they're giving you reasons. They always send me a letter electronically the day after the decline.
Yes, they have sent denial letter electronically and by snail mail as well...but they only stated that information on my credit reports but irony is nothing changed in my reports nor even score when CLI requested...No changes whatsoever....
Take a closer look at the denial letter. In the opening paragraph, before it makes reference to the credit report, it gives you the reason. In my most recent letter it said:
"Hi, [SouthJamaica]. We reviewed your request to increase the revolving credit limit on your Citi
Premier® Mastercard® account. At this time, we're unable to approve this request
because your credit report shows too many recent inquiries."I think that's the reason they always give me
The denial letter I received only indicates that- because of information on my credit report...and they named the credit reporting agency, but did not say WHAT information is wrong/negative which influenced their decision negatively. I did check my credit report 100 times to see anything wrong or any new info reported in last 7 months but found nothing...Contacted Citi and was told just that I just get my latest credit report and review it...I told them that I got latest one and found nothing, but they were not able to tell me specific reason what info is troubling them...eventually, one credit analyst said that its computer generated decision and sometimes system does make errorenous decision and said that they cannot override it, and suggested me to request for CLI again after 30 days ...Its hard to believe them sometimes...
Every denial letter I've ever gotten from them always states the reason for the denial in the first paragraph.
