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Citi Simplicity $4k CLI to $29.5k

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rgate88
Frequent Contributor

Citi Simplicity $4k CLI to $29.5k

Citi hadn't given me any love for a while on my Simplicity card, so I decided to give it a shot. Was able to get a $4k increase from $25.5k to $29.9k. This card just gets use for BTs and has just over 5% usage. No idea what they used for SP, I assume Equifax as that's what they use for everything I've done. Their internal score shows 833 as a score, CK shows 819. Had this card since 6/2019, getting ready to hit 5 years. Started at $13k at approval.  Other details below:

 

AAoA - 51 mo (personal)
Oldest (personal) - 9 yr, 7 mo

Util - <1%

Newest account - 10 mo (0/6, 3/12, 5/24)

Personal income reported - $135k

 

I am $100 off of being at $400k total credit >.<

 

CO Quicksilver - $500; Barclay's GM BuyPower - $700; Target MC - $9,000; Chase Amazon Prime - $8,000; PNC Core - $27,000; Citi DoubleCash - $10,300; Citi Simplicity - $29,500; Chase World of Hyatt - $12,000; PayPal LOC - $1,500; PNC Cash Rewards - $48,000; U.S. Bank Altitude Go - $15,000; AmEx Platinum - NPSL ($7,800 POT); Elan Max Cash (Alliance CU) - $25,000; Alliance CU LOC - $2,000; Wells Fargo Autograph Visa - $10,000; Chase Freedom Flex - $8,000; Venmo - $1,500; AllTru CU LOC - $10,000; Citi Strata Premiere - $11,000; Citi AAdvantage Platinum Select - $14,300; Gemini Credit Card (WebBank) - $15,000; Chase Sapphire Reserve - $26,600; Citi AAdvantage Global - $15,500


Business Trade Lines - Chase Ink Cash - $4,000; Chase Ink Preferred - $10,000; AmEx BBP - $5,500; Hilton Honors Business - $9,000; Elan Business Visa (Alliance CU) - $20,000; Barclay's GM Business - $2,500; Kabbage LOC - $10,500; Marriott Bonvoy Business - $14,600; IHG Rewards Premier Business - $5,000; Edward Jones Business (US Bank) - $2,000; Barclays Wyndham Earner Business - $14,000; US Bank Triple Cash - $10,000; Chase Ink Unlimited - $6,000


Total CLI - $413,500
Message 1 of 9
8 REPLIES 8
Priory_Man
Valued Contributor

Re: Citi Simplicity $4k CLI to $29.5k

Congrats on the increase





━━━━━━━━━━━━━━━━━━━━━━━
Total Revolving Credit: $300,000 UTIL: <1%
━━━━━━━━━━━━━━━━━━━━━━━


Message 2 of 9
credd
Established Member

Re: Citi Simplicity $4k CLI to $29.5k

Congrats!!! I love when the Luv button works

Trade Lines
AMEX BCP: 27000
USAA AMEX: 13100
USAA Visa Sig: 13100
Cap1 venture X: 15000
US Bank Shield: 10000
Cap 1 Ven One: 7500
Cap 1 QS: 7500
Citi Costco 5500
Chase United: 5000
Bestbuy Citi: 5000
Care Credit 5000
Income: 140k
Feb 2026 Fico 8 EXP: 810 TU:815 EQ: 821
Message 3 of 9
JoeRockhead
Community Leader
Super Contributor

Re: Citi Simplicity $4k CLI to $29.5k

Very nice, congratulations on your Citi CLI!

Message 4 of 9
keekers
Valued Contributor

Re: Citi Simplicity $4k CLI to $29.5k

Congrats.
Message 5 of 9
Zoostation1
Valued Contributor

Re: Citi Simplicity $4k CLI to $29.5k

Congrats on the CLI!

Rebuild Started Nov 2021, TCL $88.7k
June 2022 FICO 8:
June 2022 FICO 9:
June 2022 FICO 10:
June 2022 FICO 10T:
Jun 2026 FICO 8:
Jun 2026 FICO 9:
Jun 2026 FICO 10:
May 2026 FICO 10T:

Message 6 of 9
cashorcharge
Community Leader
Super Contributor

Re: Citi Simplicity $4k CLI to $29.5k

WooHoo!! Congratulations on your Approval!!👏🏼🍾🥂

Message 7 of 9
CreditAggie
Community Leader
Super Contributor

Re: Citi Simplicity $4k CLI to $29.5k

Congratulations on your Citi Simplicity CLI!

Current Cards (in order of approval):


         
Current FICO 8 | 9 (July 2026):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 8 of 9
BigBS
Senior Contributor

Re: Citi Simplicity $4k CLI to $29.5k

Congrats on the CLI!

Score: EQ(784) EX(788) TU(792)
INQs: EQ(2) EX(6) TU(2)
Last INQ: 08 Jul 25

Total Credit Limit - $2.0M

Message 9 of 9
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