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A humdinger of a CITI SL (for me anyway)

12njoy
Super Contributor

A humdinger of a CITI SL (for me anyway)

First I'll like to say thank you to Mister Endowed and Finstar (https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Macys-30-Days-CLI-train/m-p/5259929#M541412) for providing the drive for me to obtain this.

 

I applied at 6:30am this morning for the Citi Preferred Thank you card.  I got the 7-10 day we require further processing.  I called a few hours later.  I got a woman at the backdoor who said I needed to speak with a senior analyst.  I said ok this is not looking good.  The senior analyst comes on the phone and verifies my identity and states she needs 2-3 minutes to process my application.  Tick/tock.  She comes back and says she needs another 3-4 minutes.  I say ok.  She then comes back with a monatone voice (I knew I was denied at this point) and says I just need to finalize your credit limit so please give me another 2-3 minutes.  Didn't mind waiting this time Smiley Happy She comes back and says let me make sure that your credit line was approves since I gave you more than the system initially recommended for you.  She then goes yes it has been approved for (wait for it) $20,000.  She then says it has been approved but will not update in the system until midnight tonight.  By far the biggest Citi starting limit I've ever received.  I couldn't get any more CLI's with my existing Citi lines so Finstart suggested a new account may be possible and there you have it.  None of this would have started unless Mister E hadn't posted his CLI Macy's train which got me going on that front with Citi.  I have the following Citi accounts:

 

Sears Mastercard @4k

Macy's Amex @17k

American Airlines @11.7k

Citi Simplicty @6.4k

Costco @11k

Double cash @14.4k

Expedia @9k

Profile Worth 1.2M+ (Just 1 store only card/PayPal Credit @5.5k)
___________ 12Njoy
Message 1 of 37
36 REPLIES 36
sjrn
Established Contributor

Re: A humdinger of a CITI SL (for me anyway)

Congratulations!

 

imo, that is a nice SL for anyone. I'd certainly be happy with it. Citi sounds like a great card.



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Message 2 of 37
SOGGIE
Valued Contributor

Re: A humdinger of a CITI SL (for me anyway)

Nice SL. Congrats!

Life was a lot simpler when what we honored was father and mother, rather than all major credit cards. ~Robert Orben

SCORES: Excellent · 832 to 845
INQUIRIES: 0
UNIVERSAL REVOLVERS: $200K Club
NUMBER OF CC ACCOUNTS: Less than 10
CARD USAGE: Minimal
CREDIT HISTORY: Very Lengthy · Seasoned Accounts
INCOME: Sufficient
UTIL: 1-2%
PYMTS: 100% Positive · Always PIF · AZEO
INSTALLMENTS: No thanks!
ASSETS: 100% Equity
TOTALLY REFUSE TO: Pay Interest or Annual Fees, Combine Accounts, Reduce Limits, Submit 4506-T, SCT, App Spree, Accumulate Inquiries, Do business with Comenity, Synchrony, Cap One, Wells Fargo, Citi, Barclays or any other credit-cancerous lending institutions
Message 3 of 37
12njoy
Super Contributor

Re: A humdinger of a CITI SL (for me anyway)

Thanks all
Profile Worth 1.2M+ (Just 1 store only card/PayPal Credit @5.5k)
___________ 12Njoy
Message 4 of 37
CreditCuriosity
Moderator

Re: A humdinger of a CITI SL (for me anyway)

Very nice CL for that card.. Congrats

Message 5 of 37
12njoy
Super Contributor

Re: A humdinger of a CITI SL (for me anyway)

Thanks CC
Profile Worth 1.2M+ (Just 1 store only card/PayPal Credit @5.5k)
___________ 12Njoy
Message 6 of 37
woodyman100
Valued Contributor

Re: A humdinger of a CITI SL (for me anyway)

Pretty SWEEEEEET!!
Citi only lets  me have Home Depot and then the
“NADA” Visa😋

NFCU-ICCU-EECU-Signature-AOD-Redstone-CapitalOne-Goldman Sachs (Apple)-Huntington-Pinnacle-John Deere-Discover-BofA-Chase-Amex-Banco de Popular-Banco Do Brasil-Commerce-Truist-Citi-Synchrony-HSBC-USAA-Amegy-FNBO-Dell-Regions-Citizen’s-Wex-Hatch-Barclaycard-Comenity-DSNB-Webbank
Message 7 of 37
12njoy
Super Contributor

Re: A humdinger of a CITI SL (for me anyway)

Thanks woodyman
Profile Worth 1.2M+ (Just 1 store only card/PayPal Credit @5.5k)
___________ 12Njoy
Message 8 of 37
VoltronM
Senior Contributor

Re: A humdinger of a CITI SL (for me anyway)

Congrats on Monster SL

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 9 of 37
Rjw170
Frequent Contributor

Re: A humdinger of a CITI SL (for me anyway)

Nice SL! Congrats! Whatever you’re doing you’re doing it right!
Current Fico 8 Scores:

Credit Goal:

Gardening until 2021

Current Cards:


Wish List:



Message 10 of 37
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