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Citi Costco Visa 2nd SP CLI +$2,500

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Established Contributor

Citi Costco Visa 2nd SP CLI +$2,500

I decided to try and get a ticket for the Citi Costco Visa Gravy Train that @Marz2002 and @Jenn10011 recently boarded!

 

CLI of $2,500 from $9,000 to $11,500. A 27.78% increase. (A 77% increase in credit limit over 1 year from the initial CL of $6,500.)

 

  • This is one of my only 2 credit cards that I was approved for in December 2018.
  • This card is 377 days old (1 year 12 days), counting from the exact opening date - December 23, 2018.
  • It has been 187 days (6 months 3 days) since my last $2,500 SP CLI on July 1st, 2019.
  • I was denied a SP CLI on October 6, 2019 and the reason provided was that it had been less than 6 months since my last CLI.
  • The card was used for ~$13,000 of spend (avg. monthly spend ~$2,200 over 6 months) since my last CLI in July, and never reported above 8% utilization (of $9,000) on any statement.
  • I always paid it down to what I wanted it to report, and then paid the remaining balance right after the statement closing - so always well before the due date.)
  • The last SP CLI of +$2,500 that I received in July 2019 was with an average monthly spend of ~$400 over 6 months. This time that average is over 5x higher and the CLI is the same $2,500.
  • I had the soft pull language showing: 'A credit bureau report will not be requested and you will receive an instant decision'.
  • EQ Bankcard 8 score from Citi showed as 732 from 12/24/19.
  • FICO 8's at time of CLI request: EQ 730, TU 740, EX 735
  • AoOA 2yr 1mo (No credit history prior to December 2017.)
  • AAoA 1yr 5mo
  • AoYA 1yr 1mo (Both cards are 1yr 1mo old. These are 2 of 3 total accounts on my file. SSL closed.)
  • INQuiries: EQ 0, TU 0, EX 0
  • No derogatories and no public records.

Citi Costco Anywhere Visa 2nd SP CLI +$2,500Citi Costco Anywhere Visa 2nd SP CLI +$2,500

27 FICO Scores + 3 VS3. MTG (Mortgage), AUT (Auto), and BKC (Bankcard) are scores 5,4, and 2 from the top.

Testing aggregate utilization greater than 8.99% but less than 9.00%. It's treated the same as 9.00%.

Message 1 of 8
7 REPLIES 7
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Senior Contributor

Re: Citi Costco Visa 2nd SP CLI +$2,500

Congratulations on your CLI!
Message 2 of 8
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Established Contributor

Re: Citi Costco Visa 2nd SP CLI +$2,500

Congratulations on your CLI!!!



Message 3 of 8
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Moderator

Re: Citi Costco Visa 2nd SP CLI +$2,500

Congrats, Cassie on your CLI and thank you for DPs
Message 4 of 8
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Super Contributor

Re: Citi Costco Visa 2nd SP CLI +$2,500

Congrats and Happy New Year!

Message 5 of 8
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Valued Contributor

Re: Citi Costco Visa 2nd SP CLI +$2,500

Congrats on your Costco Visa SP CLI!

Currently: Gardening since 12/2019




Message 6 of 8
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Senior Contributor

Re: Citi Costco Visa 2nd SP CLI +$2,500

Congratulations!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 7 of 8
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Valued Contributor

Re: Citi Costco Visa 2nd SP CLI +$2,500

BIG  CONGRATS on your AWESOME Citi Costco Visa 2nd SP  CLI and Thanks for the DPs - Sorry I am late to the party!!!  

AMEX BCE $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $12.2K | Citi AAdvantage WEMC $14K | Citi Costco VS $12K
Discover IT $19K | OpenSky $300 | BB&T Cash Rewards $4.5K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) |
BBVA Compass Rewards VS $10.5K | Apple Card WEMC $6K | NFCU cashRewards $3K | NFCU More Rewards AMEX $25K
Macy's AMEX $1K | PenFed Power Cash Rewards VS $7,500

TCL - $166.5K+ | Rebuilding since April 2018
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