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Citi CLI question

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Established Member

Citi CLI question

Earlier this week, I attempted to a CLI increase on my AAdvantage card. I was declined. This was via a SP. My FICO associated with the account dated back to June and a lot had changed since then.

Today I called knowing that my credit report and score have improved drastically and that I'd be approved via a HP. I asked for 10k--no real logic to the number and got approved. 1k to 10k.

I went back and tried a SP CLI on my Citi TYP. Got the denial.

Would you recommend leaving it alone or calling them to say they should increase it considering I was just granted an increase on my other card via HP today? Would I stand a chance?

Thanks for your help!
Message 1 of 10
9 REPLIES 9
Mega Contributor

Re: Citi CLI question

You have a slim to non chance for a SP CL for another 6 months in my opinion. I would let it be. You maybe could get one off your HP but a good chance they will do a second HP. Congrats!
Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 2 of 10
Established Member

Re: Citi CLI question

I'll let it be.

Thanks!
Message 3 of 10
Contributor

Re: Citi CLI question

I think you should leave it alone and lay low. If you start pushing and having too much available credit, they might audit you and ask for income verification. Congrats on your increase.
Message 4 of 10
Mega Contributor

Re: Citi CLI question

Just keep track of the date of your last CLI. You should be good for a SP CLI every 6 months of $1,400-$1600 CLI. That will add up over time.
Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 5 of 10
Valued Contributor

Re: Citi CLI question


@MissImMe wrote:
Earlier this week, I attempted to a CLI increase on my AAdvantage card. I was declined. This was via a SP. My FICO associated with the account dated back to June and a lot had changed since then.

Today I called knowing that my credit report and score have improved drastically and that I'd be approved via a HP. I asked for 10k--no real logic to the number and got approved. 1k to 10k.

I went back and tried a SP CLI on my Citi TYP. Got the denial.

Would you recommend leaving it alone or calling them to say they should increase it considering I was just granted an increase on my other card via HP today? Would I stand a chance?

Thanks for your help!

Congratulations to you!...Thanks for sharing.Smiley Very Happy

Smiley Happy (BANK OF AMERiCA CA$H REWARD$ ViSA SiGNATURE) (CHASE AMAZON ViSA SiGNATURE) (CAPiTAL ONE QUiCKSiLVER ViSA SiGNATURE) (CiTi DOUBLE CA$H WORLD MASTERCARD) (BARCLAYCARD UPROMiSE WORLD MASTERCARD) (SYNCHRONY MARVEL MASTERCARD) (AMERiCAN EXPRESS BLUE CA$H EVERYDAY) (DiSCOVER iT NHL)
Message 6 of 10
Valued Contributor

Re: Citi CLI question

Arent Citi cards set on 6 month CLI rotation now?

Fico 8's TU 777/ EQ 784/ EX 767 - 2/2019// AAoA 4.3 years // Lines 2/2019= 510k Personal - Business 52k // Inquiries 8 TU -10 Exp - 10 Eq.
Message 7 of 10
Senior Contributor

Re: Citi CLI question


@MissImMe wrote:
Earlier this week, I attempted to a CLI increase on my AAdvantage card. I was declined. This was via a SP. My FICO associated with the account dated back to June and a lot had changed since then.

Today I called knowing that my credit report and score have improved drastically and that I'd be approved via a HP. I asked for 10k--no real logic to the number and got approved. 1k to 10k.

I went back and tried a SP CLI on my Citi TYP. Got the denial.

Would you recommend leaving it alone or calling them to say they should increase it considering I was just granted an increase on my other card via HP today? Would I stand a chance?

Thanks for your help!

Congrats on your CLI! You could try asking them to reconsider the previous CLI, but Citi requires 6 months between CLIs. With everything, YMMV.

Gardening since 10/01/18 Gardenversary 10/01/20 Score: xx/xx/xx EQ xxx TU xxx EXP xxx
Current Score: 781
Goal Score: 800
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Message 8 of 10
Established Member

Re: Citi CLI question

Vegas--I have no idea. Perhaps because I attempted the SP and went with the HP, they gave me some love. The report they had was also about 3 months old and a lot had changed since then in terms of my utilization.
Message 9 of 10
Valued Member

Re: Citi CLI question

+1

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Message 10 of 10
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