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Approvals...

tag
Anonymous
Not applicable

Approvals...

So I took a drive into two new cards for balance transfers. One for the citi custom card and the other from bank of America...

So I did the citi first and they only gave me 3000, in which I was upset about because I have another citi card that's sitting at 10000 limit. So kinda confused. Then i tried bank of America instantly approved for 10,000 the number I wanted. But I'm curious if anyone has ever tried to call in asks for a bigger limit or when is the best time to call. 3000 will literally be my smallest card. 

I'm sitting at 730-750 throughout all my scores. And no, inquiry on trans and Equifax. Only exp. My ulitization at 20%. 

 

8 REPLIES 8
coldfusion
Community Leader
Mega Contributor

Re: Approvals...

Congrats on your appovals.  Citibank is normally a fairly conservative lender and a $3K starting limit from them isn't terrible.

 

You can call customer service during EDT business hours and ask for a reconsideration on your starting limit.  I can't speak to your own specific odds of success but a reconsideration will cost you another HP.

(3/2024)
FICO 8 (EX) 846 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 2 of 9
Total80sKid
Senior Contributor

Re: Approvals...

Congrats on your approvals! 👍🏼

Message 3 of 9
CreditAggie
Community Leader
Super Contributor

Re: Approvals...

Congratulations on your approvals!

Current Cards (in order of approval):

         
Current FICO 8 | 9 (April 2024):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 4 of 9
Marz2002
Senior Contributor

Re: Approvals...

CONGRATS @Anonymous on your Citi Custom Cash and BofA approvals, Thanks for the DPs, and Welcome to the Citi Custom Cash family!

AMEX BCP $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $15.2K | Citi Rewards WMC $15.5K | Citi Costco VS $12K
Citi Custom Cash WEMC $7.8K | Synchrony (PayPal Credit $6K, Care Credit $15K, & PayPal 2% MC $10K, VENMO VS $6.5K)
PNC Cash Rewards VS $10.5K | NFCU cashRewards VS $14K | NFCU More Rewards AMEX $37.5K | NFCU Flagship Rewards VS $23K
Discover IT $22.5K | BB&T Cash Rewards $4.5K | Macy's AMEX $25K | Bloomingdales AMEX $20K | Apple Card WEMC $9K
PenFed Power Cash Rewards VS $7.5K

Total CL - $284K+
Message 5 of 9
M_Smart007
Legendary Contributor

Re: Approvals...

Congrats on your two approvals.

Message 6 of 9
gdale6
Moderator Emeritus

Re: Approvals...

Grats on your 10K BoA approval and the secondary Citi approval Smiley Happy

Message 7 of 9
MrDFinance
Established Contributor

Re: Approvals...

Congrats on the approvals 🤓

Message 8 of 9
Anonymous
Not applicable

Re: Approvals...

**bleep**. Alright. Just called got two different answers haha. One said call back after 24 hours and the other call after 4 days. 

Message 9 of 9
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