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Citi / CBNA CLI's

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Frequent Contributor

Citi / CBNA CLI's

I've been helping my mom with her credit, essentially doing for her what I've been doing for myself -- judiciously increasing the number of tradelines, getting the limits up, getting the utilization down, and then watching it all grow pretty flowers.  


I keep spreadsheets with all her data and today it was time to step on the gas with regards to those limit increases.  Mom has several Citi products -- 1 revolver and 3 underwritten retail cards.  Now I'm not ready to add any more plastic children to my collection but when I am -- when it's time to re-bucket -- I'm totally going for Citi next as they were unbelievably generous.  


Here are some stats I hope are useful:


Mom's current scores:  EX 751, EQ 738, TU 755


Home Depot/CBNA

Opened Nov 2013

Hard pull of Experian

Previous CL:  4,700

I asked for 20K and got it.  Increase of 15,300.


Best Buy/CBNA

Opened Sep 2016

Hard pull of TransUnion

Previous CL:  3,000

I asked for 13K and got it.  Increase of 10,000


Citibank Costco Anywhere Visa

Opened July 2017

Hard Pull of Equifax

Previous CL:  6,500

I asked for 15K and got it.  Increase of 8,500


Macy's/Citi Retail Services

Opened Sep 2005

Soft Pull

Previous CL:  10,000

I asked for 20K and got 16K.  Increase of 6,000. 



So yeah, thanks Citi for the extra 39,800 bucks.  Mom's utilization just became miniscule and I just became cooler than my sister. At least for a while.

EX 780 TU 806 EQ 810

Established Contributor

Re: Citi / CBNA CLI's

Wow... Very impressive.  Congrats...Keep it up

EQ 669, TU 679, EX 679. Navy Signature Go Rewards 15K, Navy Signature Cash Rewards 16K, Navy AX Rewards 14.4K, Navy CLOC 15K, Navy Mortgage 120K, Navy ATV Loan 14,990K, FLCU Auto 48.7K, FLCU Visa 7.5K, FLCU Visa 1K, AFCU 5K, AFCU Line of Credit 4K, John Deere 15K, Suncoast TB Rays Cash Rewards 6K, Cap1 QS 5K, USAA Rate Advantage 5K, USAA AX Card 9K, State Farm Rewards 2.5K, Paypal Credit 2.8K, Cabela's 2K, Chevron & Texaco Visa 6K, BMO Harris Bank 1.5K, BOA Bass Pro 1.5K, 5/3 Stand up to cancer 4.5K, 5/3 Truly Simple 4K, 5/3 Trio 4K, Amazon Store Card 5K, Lowes 17K, TBFCU 5K, BBT Spectrum 4.5K, BBT Bright 3.5K, BBT Bright 4.5K, Banco Do Brasil Americas 4.2K, Kays Jewerly 2K, AX Green Charge, AX Delta Gold 1K, Morgan Auto Group 1.6K, Kohls 700.
Message 2 of 7
Established Contributor

Re: Citi / CBNA CLI's

Nice increases!! 

Message 3 of 7
Frequent Contributor

Re: Citi / CBNA CLI's

Congratulations on getting all of those CLI!

Message 4 of 7
Valued Contributor

Re: Citi / CBNA CLI's

Awesome job there! Nothing like the extra cushion moving forward. Just never know when/ if that emergency arises where you need it handy 

FICO08 March 2020 (TU 740) (EQ 735) (EXP 772)
FICO09 Feb 2020 (TU 782) (EQ 783) (EXP 785)

“TCL are on the decline”?
Message 5 of 7
Valued Contributor

Re: Citi / CBNA CLI's

It was only 5 month ago my macys was at 1000 and my hd was at 500. Now they’re at 11 and 10. 😃

Message 6 of 7
Community Leader
Mega Contributor

Re: Citi / CBNA CLI's

Nice job CleatsSmiley Happy. Just keep in mind Citi has been known to factor total exposure over all their cards , retail and legacy, in future cli requests. Not sure the max but it is possible that could end up in a letter. Now go buy us some stuffSmiley Happy
Message 7 of 7
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