I received - twice - the email offering me the chance to apply for the simplicity card. I knew it wasn’t a pre-approved offer as I checked citi’s pre-approved site, and it didn’t come for me— so I knew it was perhaps pre-selected at best.
I applied about 9 days ago and got instant approval for 5,500 and APR of 16.24%. I wasn’t thrilled with that SLI. I called recon the same day as I applied (and was auto-approved) and asked/discussed about getting a better/higher SLI, but was told that they couldn’t change it or so anything to the account until I got my card and activated the account. They suggested I call the regular CS line.
So, I did... first call went no where.. HUCA... Second call was about the same... HUCA... I tried a third time and got an agent who understood the logic (if I get a 5,500 SLI and transfer anything over say, 2,600, my UTIL rate will blow up and look not so good)... and agreed that if my plan was to move 2600 over, a SLI of 5,500 wasn’t ideal.... she put me on hold and came back asking me to confirm my employer, phone number at work and current salary... then after another short hold, she said she could bump my SLI 11,500. Perfect
I do have their citi preferred (a PC downgrade from Premier) with CL 3,500 for just over 2 years. My FICO as of date of application was 728, overall util of 19%, monthly income 6,750, AoAA 2.9years and 1inq in the last year- 5 in the last 24mos.
Congrats on your approval and recon to very nice 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