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Citi DC meh CLI $23.3k --> $26.3k

BrutalBodyShots
Super Contributor

Citi DC meh CLI $23.3k --> $26.3k

My CLI today (6 month mark since my last) on my Citi DC card was a bit of a let down, $3000, taking me from $23,300 --> $26,300.  My first 3 CLIs on the card which started at $7300 were all in the $5000-$7000 range, so I was expecting today's CLI to land at least somewhere in there.  I was actually hoping for a bit more, since I've now had the account 2 years and from what I've seen/read Citi seems to get more comfortable extending [additional] credit as time elapses.

 

I'm not sure why this CLI was less than my previous ones.  I give the card pretty heavy use, as it's my daily driver and see's 20-30 swipes per cycle.  In 2018 my spend on the card was around $40k.  

 

Anyone else see CLI growth on their Citi card subside for any reason and if so, do you have an idea why?

 

If only I was eligible a week ago from a CLI, I could have taken advantage of the "glitch" and bumped my limit up significantly Smiley Sad 

Message 1 of 21
20 REPLIES 20
pinkandgrey
Community Leader
Senior Contributor

Re: Citi DC meh CLI $23.3k --> $26.3k

Meh?? Your “meh” CLI is not much less than my SL lol. I want a meh CLI....

 

congrats!!!

Discover It: 19.7k
Amex ED: 18k
Citi DC: 7.7k
Fidelity Visa: 2k
Apple Card: 1.5k
Message 2 of 21
Marz2002
Valued Contributor

Re: Citi DC meh CLI $23.3k --> $26.3k

CONGRATS  on your latest Citi DC CLI, I am looking forward to those types of CLIs for my Citi AAdvantage card!

AMEX BCE $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $13.7K | 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 | NFCU cashRewards $3K | NFCU More Rewards AMEX $33.5K | NFCU Flagship VS $19K
Macy's AMEX $18K | Apple Card WEMC $6K | PenFed Power Cash Rewards VS $7.5K

TCL - $211K+ | Rebuilding since April 2018
Message 3 of 21
credit_endurance
Valued Contributor

Re: Citi DC meh CLI $23.3k --> $26.3k

That is baffling BBS on such a small increase. Given your history of spend with them you certainly weren’t rewarded.
I myself took a hp to reach $25k from $3.5k a couple years back. So that might be another option for you there. I currently stand sit at $27.5k after only $1k increases over the last couple years.
Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores Jan 2021 (TU 776) (EQ 773) (EXP 760)
$700k+ Tradelines in progress
Gardening Reset: February 2022
“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)
Message 4 of 21
CreditCuriosity
Moderator

Re: Citi DC meh CLI $23.3k --> $26.3k

Still not a bad increase.. Not sure of your income, but could be close to getting to your exposure limit with citi possibly as they aren't near as generous as say Discover, Cap1, etc..Possible?  Although you certainly could take a HP and ask for 50k and see what happens and get a counter.  My increase is coming up at end of month ill hit the SP CLI and go from 10.5 to probably 12.5, but most likely will ask for a HP CLI to 35k and see what happens. My income can certainly support a 35k CL from them, whether they are willing to give it is another story, but don't want 2k-3k increase all the time on a card I use quite a bit and dont mind a HP for a decent increase as bene putting anyhwere from 1k-4k a month on it recently.

 

To bad you misssed the window last week of the SP CLI's to see where you exposure limit landed with them, just like myself :/.. I recently closed a CITI personal AA card for 12.5k so I certainly know I can at least go up by that amount, but hopefully alot more.  As only have Costco and DC with them each at 10.5k

Message 5 of 21
BrutalBodyShots
Super Contributor

Re: Citi DC meh CLI $23.3k --> $26.3k


@pinkandgrey wrote:

Meh?? Your “meh” CLI is not much less than my SL lol. I want a meh CLI....

 


It's all relative.  Meh relative to what I've seen compared to my previous 3 CLIs on this account.

Message 6 of 21
BrutalBodyShots
Super Contributor

Re: Citi DC meh CLI $23.3k --> $26.3k


@credit_endurance wrote:
That is baffling BBS on such a small increase. Given your history of spend with them you certainly weren’t rewarded.
I myself took a hp to reach $25k from $3.5k a couple years back. So that might be another option for you there. I currently stand sit at $27.5k after only $1k increases over the last couple years.

Yeah, it's a bit of a head scratcher.  One of my 3 previous CLIs was in fact a HP and unfortunately it wasn't very lucrative; it was actually less than the SP CLI I got next go-round.  I know some people have had really good luck with a Citi HP CLI (sounds like you're one of them for sure) but based on my previous unfavorable result with one, I don't know that trying again is the right move.

Message 7 of 21
BrutalBodyShots
Super Contributor

Re: Citi DC meh CLI $23.3k --> $26.3k


@CreditCuriosity wrote:

Not sure of your income, but could be close to getting to your exposure limit with citi possibly as they aren't near as generous as say Discover, Cap1, etc..Possible? 


I don't think exposure/income is an issue currently.  This is my only Citi card and its limit is between 1/4 and 1/3 of my income.  I've seen plenty of people here with single Citi cards or multiple Citi cards where total Citi exposure is pretty darn close to their reported income, so I don't believe this to be the constraint for me at this time.

Message 8 of 21
doinit1
Valued Contributor

Re: Citi DC meh CLI $23.3k --> $26.3k

Congrats on yopur increase...Smiley Happy

American Express Business Gold(NPSL 10k) Chase CSP (25k) BofA CR Siggy (20.8k) BofA BBR (22.1k) Amex BCP(4.1k) Overstock (21.1K) Lowes (17K) NFCU CLOC (15K) NFCU VS Cash (15K) Care Credit (15k) J Crew( 11.9k)Venture WMC (10.25k) Amex Everyday (1k) Chase Slate (10k) Walmart MC(10k) BB Visa (10k) Discover(4.5k☝️) PayPal Cashback Mastercard (8k) Chase FU (7.4k) Citi AAdvantage Gold World Elite (9.5K) Citi Double Cash (8.5k) Fidelity® Rewards Visa Signature® Card (6.5K) PenFed PCR (5K) PayPal Credit (4550)Discover (500✌️) Kohls (3k) Chase Freedom (1500)

Mortgage May 2017 - 2 auto loans (1 PenFed and 1 Navy) Aug 2018=98K
Gardening until June 2021

FICO 8 Scores EX 700 EQ 696 TU 703
AAOA 5.2yrs TCL=268,700
Message 9 of 21
xaximus
Valued Contributor

Re: Citi DC meh CLI $23.3k --> $26.3k

Congrats on the CLI!



Scores - All bureaus 756 +
TCL - Est. $275K
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