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Citi Bank starting CL 😏 need advice!

tag
cashorcharge
Community Leader
Super Contributor

Re: Citi Bank starting CL 😏 need advice!

That's terrific!  Congratulations on your approval!! 🎉🥂

Hope you can get the higher limit you're looking for with that call...

Message 11 of 19
M_Smart007
Legendary Contributor

Re: Citi Bank starting CL 😏 need advice!

Congratulations!

Message 12 of 19
JoeLuvsHisCredit
Valued Contributor

Re: Citi Bank starting CL 😏 need advice!

Congratulations 

Message 13 of 19
Fico_Salamanca
Frequent Contributor

Re: Citi Bank starting CL 😏 need advice!

Congrats!

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Message 14 of 19
Anonymous
Not applicable

Re: Citi Bank starting CL 😏 need advice!


@Anonymous wrote:

I know I should be happy I got approved but even my Best Buy Citi card has a higher credit limit lol.....🥺


First of all, congrats on the approval.  While it isn't quite what you were expecting, I'm confident that you can get there fairly quickly.

 

I don't know if the Best Buy card is your only other Citi card, but perhaps your overall exposure is a factor with where your SL sits on the new account.  If Citi allows limits to be moved around, perhaps you can slide a bit from your BB card over to the new one?  As others have mentioned, you can try the HP CLI attempt.  Some find them to be duds, where others make out very well.  I know making multiple payments monthly isn't ideal, but I can't imagine you'd have to do that for more than 3-6 cycles max before it stimulates an auto-CLI if you're paying in full monthly.

Message 15 of 19
FinStar
Moderator Emeritus

Re: Citi Bank starting CL 😏 need advice!


@Anonymous wrote:

@Anonymous wrote:

I know I should be happy I got approved but even my Best Buy Citi card has a higher credit limit lol.....🥺


First of all, congrats on the approval.  While it isn't quite what you were expecting, I'm confident that you can get there fairly quickly.

 

I don't know if the Best Buy card is your only other Citi card, but perhaps your overall exposure is a factor with where your SL sits on the new account.  If Citi allows limits to be moved around, perhaps you can slide a bit from your BB card over to the new one?  As others have mentioned, you can try the HP CLI attempt.  Some find them to be duds, where others make out very well.  I know making multiple payments monthly isn't ideal, but I can't imagine you'd have to do that for more than 3-6 cycles max before it stimulates an auto-CLI if you're paying in full monthly.


@Anonymous - unfortunately, there's no crossover from Citi Retail cards (e.g. Best Buy, Shell, Sears, etc.) to Citi core cards. So, no reallocation is possible via that method.

 

The OP would have to pursue the other suggested method via HP for SL reconsideration.

Message 16 of 19
nuohlac
Valued Contributor

Re: Citi Bank starting CL 😏 need advice!

Congratulations on your approval!!!




Message 17 of 19
BAD_UP
Established Contributor

Re: Citi Bank starting CL 😏 need advice!

Congrats on your Citi Prestige Approval🎉👍




Starting Score: 541
Nov 15 2020 score: EQ FICO8 635, TU8 636, EX8 644
Dec 15 2020 score: EQ FICO8 633, TU8 658, EX8 661
Jan 15 2021 Score EQ FICO8 698, TU8 689, EX8 706
Feb15 2021 Score EQ FICO8 704, TU8 702 , EX8 712 Goal Score: All Scores 760+,

In the garden since 1/28/21
Recently App. 1/3/21 & 1/23/21
What will you attempt to do if you knew could not Fail?
Message 18 of 19
Demented1
Established Contributor

Re: Citi Bank starting CL 😏 need advice!

Congrats on your Citi approval...enjoy the card!




Message 19 of 19
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