Citi Costco $3k CLI

[Curious_George2]

Approved for $3k CLI on my Citi Costco card today. Went from $5,500 to $8,500.

EQ BC8 is 774. Apped via mobile app with all reports frozen. SP, obv. Instant approval. 

Last CLI on this card was 10 months ago. Many denials in the interim, which they said were because I had too many new accounts (now 1/6, 5/12) and/or recent inquiries (EQ has 1/6, 4/12). I now see the real reason for the denials was the 40-50% util I was carrying on the card (interest free, but still a balance). I paid that off this month and suddenly they don't mind my credit seeking. 

[AllZero]

Congratulations on your CLI!

[CreditAggie]

Congratulations on your Costco CLI!

[cashorcharge]

Congratulations on your approval!

[DoctorManhattan]

Congrats ! 

[Anonymous]

@Curious_George2  congrats!  Had my Costco Visa for 1 year next month with no CLIs to speak of, just several denials ("your account hasn't been open long enough to be considered for an increase"...sure).  

For clarity, did you mean that you were carrying 40-50% utililzation on your Citi Double Cash interest free (not on the Costco Visa)?  Since it's obviously impossible to carry interest free balances on a Costco Visa.  

[dudefromtx]

Congrats on your bump!

[Curious_George2]

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@Anonymous wrote:

@Curious_George2  congrats!  Had my Costco Visa for 1 year next month with no CLIs to speak of, just several denials ("your account hasn't been open long enough to be considered for an increase"...sure).  

For clarity, did you mean that you were carrying 40-50% utililzation on your Citi Double Cash interest free (not on the Costco Visa)?  Since it's obviously impossible to carry interest free balances on a Costco Visa.  

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Good question. Not a typo, but I wasn't clear. My Costco card used to be a Diamond Preferred before I PC'ed it earlier this year. The balance I was carrying was from a 0% APR BT I did when it was a DP. 

[Anonymous]

@Curious_George2  got it...thanks!  OBVIOUSLY, it's not impossible then .  This crazy credit game, huh?

[M_Smart007]

@Curious_George2, Congratulations on your Increase!!!