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Citi Bank CLIs - Simplicity card and Home Depot

M_Smart007
Epic Contributor

Re: Citi Bank CLIs - Simplicity card and Home Depot


@KatSoDak wrote:

@AverageJoesCredit  You are right. I was mixed up on the Simplicity request.  Only Home Depot allows an amount on the CLI request. I've been receiving 3k from Citi on the Simplicity card the last couple times I asked for a CLI so I requested that on HD also, figuring Citi would be agreeable to that amount

 

Simplicity was SP but HD was hard. Equifax is rarely pulled so a SP on that CRA didn't hurt. Last hard inquiry was Jan 2020 for previous Home Depot CLI request. 

 

edit: clarification


Just a FYI ..for Citi Co-branded cards >> IE: Home Depot, Shell, Macy's, Bloomingdales and others.

Request high ..like $10K or more, they will counter offer what they will give you .. if your "full" request amount is not granted.

This way, you do not leave money on the table.

Message 11 of 14
Credit4Growth
Valued Contributor

Re: Citi Bank CLIs - Simplicity card and Home Depot

🍻 Congratulations on your approvals...
Do not forget that your can ask/check for additional promo's!
|| DTI 8% || Mortgage Scores: EQ724, Tu694, EX726 ||
Inquiries: EQ/TU/EX (0 / 2 / 1) - 0/6 - 0/12 - 3/24 ||


Next App on the list is ???
Last apps: (2) August 18, 2019
Garden goal - Unknown date, 2021
Going for Sapphire spade - May 18th 2021

Dirty/ Thick/ Aged/
Message 12 of 14
Credit4Growth
Valued Contributor

Re: Citi Bank CLIs - Simplicity card and Home Depot


@M_Smart007 wrote:

@KatSoDak wrote:

@AverageJoesCredit  You are right. I was mixed up on the Simplicity request.  Only Home Depot allows an amount on the CLI request. I've been receiving 3k from Citi on the Simplicity card the last couple times I asked for a CLI so I requested that on HD also, figuring Citi would be agreeable to that amount

 

Simplicity was SP but HD was hard. Equifax is rarely pulled so a SP on that CRA didn't hurt. Last hard inquiry was Jan 2020 for previous Home Depot CLI request. 

 

edit: clarification


Just a FYI ..for Citi Co-branded cards >> IE: Home Depot, Shell, Macy's, Bloomingdales and others.

Request high ..like $10K or more, they will counter offer what they will give you .. if your "full" request amount is not granted.

This way, you do not leave money on the table.


^^^ a 1000%

He is ✅ right!

Give it a shout next time!  They will counter. 

|| DTI 8% || Mortgage Scores: EQ724, Tu694, EX726 ||
Inquiries: EQ/TU/EX (0 / 2 / 1) - 0/6 - 0/12 - 3/24 ||


Next App on the list is ???
Last apps: (2) August 18, 2019
Garden goal - Unknown date, 2021
Going for Sapphire spade - May 18th 2021

Dirty/ Thick/ Aged/
Message 13 of 14
RickNATL
Established Contributor

Re: Citi Bank CLIs - Simplicity card and Home Depot

I'm still trying...lol...congrats

Message 14 of 14
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