Citi Custom Cash CLI

mgood · ‎03-01-2025

Making the rounds, hitting the request buttons, just 'cause I was bored.

Citi gave me a nice little $1.5k bump from $15.9k to $17.4k.

This is a card that gets $300 to $500 spend every month. There have been maybe one or two quarters where it sat mostly idle, but otherwise it's been used every month.

FICO 8 Eq 760, TU 757, Ex 766

Too much debt - not by percentage of utilization, but in DTI terms. Income is $81k.

Custom Cash currently has a negative balance, but my other Citi card, the Rewards+ that I got mostly as a BT card is sitting at 73% utilization.

CCC CLIs are smaller each time, but they're still giving me CLIs.

Opened July 2022 with a 6.9k SL

CLIs to 10.9k then 13.9k then 15.9k now 17.4k.

$18,000 Chase Sapphire Preferred Visa Signature 01/23

$17,000 Chase Freedom Flex World Elite Mastercard 05/21

$12,000 Chase Prime Rewards Visa Signature 05/23

$17,500 PenFed Power Cash Rewards Visa Signature 01/21

$15,000 PenFed Platinum Rewards Visa Signature 01/21

$33,000 NFCU cashRewards Plus Visa Signature 05/25

$31,400 American Express Blue Cash Preferred 04/24

$18,900 Citi Custom Cash World Elite Mastercard 07/22

$9,900 Citi Strata World Mastercard 11/24

$25,000 Wells Fargo Autograph Visa Signature 10/21

$25,000 FNBO Evergreen Rewards Visa Signature 01/22

$5,850 Capital One Savor World Elite Mastercard 11/15

$4,300 Capital One Cabela's World Mastercard 10/15

$10,000 US Bank Cash+ Visa Signature 03/23

$7,000 US Bank Cash+ Visa Signature 12/23

$15,000 Synchrony CareCredit Rewards Mastercard 09/25

$8,500 Imprint Eddie Bauer World Mastercard 11/24

EQ8 780, TU8 748, EX8 771 as of January 5

AZE9 - 6% Utl - New Cards: 1/6, 2/12, 6/24

Creditwiser · ‎03-02-2025

@mgood wrote:
Making the rounds, hitting the request buttons, just 'cause I was bored.
Citi gave me a nice little $1.5k bump from $15.9k to $17.4k.
This is a card that gets $300 to $500 spend every month. There have been maybe one or two quarters where it sat mostly idle, but otherwise it's been used every month.

FICO 8 Eq 760, TU 757, Ex 766
Too much debt - not by percentage of utilization, but in DTI terms. Income is $81k.
Custom Cash currently has a negative balance, but my other Citi card, the Rewards+ that I got mostly as a BT card is sitting at 73% utilization.

CCC CLIs are smaller each time, but they're still giving me CLIs.
Opened July 2022 with a 6.9k SL
CLIs to 10.9k then 13.9k then 15.9k now 17.4k.

Congrats on your CLI ! Can you get that UTL paid down ?

Rebuild2019 · ‎03-02-2025

Congratulations on your CLI

mgood · ‎03-02-2025

@Creditwiser wrote:
Congrats on your CLI ! Can you get that UTL paid down ?

Thanks.

Yes, it'll come down. That's leftover noise from buying the Corvette last year. A little extra was charged on the cards while gathering up cash for a down payment. That stuff should have been paid down by now, but there have been a couple of minor setbacks. Credit card UTL will be down in the 2%-4% range in the next couple months. The high UTL on the Rewards+ is a low priority right now because I have another year at 0% interest and I'm not applying for anything soon. All the other balances are dropping fast. It's not a problem, but I can see how it would look like a problem to lenders. That's why I was mildly surprised they approved a CLI.

EQ8 780, TU8 748, EX8 771 as of January 5

AZE9 - 6% Utl - New Cards: 1/6, 2/12, 6/24

cashorcharge · ‎03-02-2025

That’s Terrific!! Congratulations on your Approval!!👏🏼🍾🥂

CreditAggie · ‎03-13-2025

Congratulations on your Citi Custom Cash CLI!

Current Cards (in order of approval):

Current FICO 8 | 9 (December 2025):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

NoMoreDebt · ‎03-15-2025

Congrats

AMEX CHARLES SCHWAB PLATINUM NPSL / AMEX GREEN NPSL/ AMEX BLUE BUSINESS PLUS $20000 CL/ FIDELITY REWARDS VISA $23,500 SL

SOCKDRAWER/ NFCU FLAGSHIP $40,000 CL/ NFCU MORE REWARDS $40,000/ WELLS FARGO AUTOGRAPH $8200/APPLE CARD $6500/DISCOVER IT $3000 SL/CITI COSTCO ANYWHERE VISA $6000 SL