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Cit $2000 CLI after two denials in last two weeks 😐

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Remedios
Credit Mentor

Cit $2000 CLI after two denials in last two weeks 😐

So, I asked as soon as I was eligible according to the pop up.

Citi said nope, letter referenced high utilization. Okay Citi, whatever.

 

Tried again a week later, same thing.

I thought my utilization was at around 1% at the time if the pull based on date, but then I realized they pulled at least a week before, when utilization was around 4%

In terms of raw numbers, that's a significant difference, so I waited another week to see if fresh pull makes a difference.

Apparently it did, because they approved it this time. 

 

It's still my runt card,I'm still not going to "really" use it, but ... button was there, I'm gonna push it.

 

For those looking for DPs, card opened last November, SL $5200.00, increased to $6700.00 seven weeks later, and now it's $8700.00

 

 

Screenshot_20200816-120609_Citi Mobile.jpg

Screenshot_20200816-120709_Citi Mobile.jpg

 

Message 1 of 34
33 REPLIES 33
AllZero
Mega Contributor

Re: Cit $2000 CLI after two denials in last two weeks 😐

Congratulations on your CLI!

Message 2 of 34
simplynoir
Community Leader
Mega Contributor

Re: Cit $2000 CLI after two denials in last two weeks 😐

Congrats on finally getting your increase! ♥️

 

I should probably have sister-wife post her own approval with her Citi increases, it'll be her first sighting here in awhile. She's still holding a grudge about that HP she took for so little gain lol

Message 3 of 34
BmoreBull
Established Contributor

Re: Cit $2000 CLI after two denials in last two weeks 😐

@Remedios  Congrats on the cli. On a side note, where do you find these crazy quotes in your sig. They crack me up 😂 



Starting Fico Scores:November 2019

Current Fico Scores: January 6, 2021
Goal Scores: 700 across all three
Message 4 of 34
gdale6
Moderator Emeritus

Re: Cit $2000 CLI after two denials in last two weeks 😐

Persistence is key with some of these mega banks, congrats on getting it :
Message 5 of 34
nuohlac
Valued Contributor

Re: Cit $2000 CLI after two denials in last two weeks 😐

Congratulations on your CLI!!!




Message 6 of 34
Fated4Credit
Regular Contributor

Re: Cit $2000 CLI after two denials in last two weeks 😐

Congrats, I love it when persistence pays off 🤗
Discover: $15,900
Cap One QS: $4811
CFU: $8,000
PPMC: $12,000
US Bank Cash+: $13,000
Penfed Powercash Rewards: $7,500
AAOA: 3.5 yrs
Experian (Fico 8) 756
Transunion (Fico 8) 757
Equifax (Fico 8) 764
Message 7 of 34
CreditAggie
Community Leader
Super Contributor

Re: Cit $2000 CLI after two denials in last two weeks 😐

Congratulations on your Citi CLI!

Current Cards (in order of approval):

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

Message 8 of 34
mrcraft
Valued Contributor

Re: Cit $2000 CLI after two denials in last two weeks 😐

Congratulations on your CLI!!



Message 9 of 34
K-in-Boston
Credit Mentor

Re: Cit $2000 CLI after two denials in last two weeks 😐

Congrats!  Not sure why they had the hesitation before, but glad that it's growing for you again.

Message 10 of 34
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