24.24% is the highest APR they offer on this card, so that combined with the double pull and $500 starting limit all indicate that this was a very borderline approval. I'd guess the chances for an immediate CLI are very small, but doesn't hurt to try if it is a SP. I certainly wouldn't waste a HP at this stage because something in your profile is clearly bothering them.
I'm surprised nobody has inquired yet about your income. You scores are good, which tends to be a good indicator of approval chances, but income tends to be a big factore when it comes to limit. Also, based on your signature the limits on your other cards are all around the $5k neighborhood so I don't think you'll have any success getting them to raise it about that level, given the other indicatores. My guess is that if you do manage to get a CLI, with SP or HP, it would be to maybe $1k or thereabouts.
Citi DC is notorious for handing out low starting limits and all signs point to a thin margin of approval here. If you want good limit on this card, you'll likely need ot wait and potentially take a HP down the road. Or, maybe look at one of the 2% cards from Penfed or Alliant that might give you a much higher limit in less time.
@Anonymous wrote:Hi, an interesting update regarding this.
Today I called the general number, asked for an account supervisor right away, and asked for CLI. I haven't received the card. He asked for income and rent and proceeded without a HP, and came by denied of course due to lack of history. Expected. He probably did it for show.
I stood my ground and explained myself. I argued about how I could even use the card to show activity when the limit is $500. We went back a fourth a little. He explained the 6 months rule and etc. I asked if I could speak to underwriter he said no but he can, and I asked him to check with them for me. I got put on hold for a couple of minutes and he came back this way:
"I found out something. I found out something, okay?". I paused my tv show.He continues "There is no time frame, just use your card, use it and pay it, and check with us in a month".
The tone truly sounds like if I use it and check back in a month I will get a CLI.
Now he sounds stern and experienced throughout the conversation, and he is a supervisor, so I doubt if "no time frame" is a general rule that he just found that. That leads me to think what he found out. Then there is a light bulb. I have an abadoned Citi Forward card that literally is accumulating dusts in my drawer. I charge a music streaming service subscription to it and nothing else. Autopay. Could this be it? They give me $500 because I don't use the one other product I have with them?
Now that I think of it I really should have asked him point blank if that's the reason. Even if he cannot say it, I can probably get more hints from his response. Anyway, fun.
P/S: Actually, check out this thread where a guy got SP CLI after 3 months. Unless they actually did just change their rules?? And no timeframe??
Those early CLI from Citi seem pretty rare. I wouldn't hold my breath on that one. The safe bet is 6 to 12 months. Doesn't hurt to try though. If you don't get it. Wait the 181 days and try again. If they give you a SP CLI at 6 months. And the limit is still too small. Do a HP request after the SP CLI.
