Citi Simplicity Card Approved But...

[JetOneTV]

In a attempt to take advantage of the promo offer wanted to balance transfer.

Offer: 0% INTRO for 12months After 20.99% - APR for BT 0% INTRO for 21 Months (within 4 months) After 20.99%.

This was in response to a "mail offer". Applied online got the email - Hi. Thank you for your interest in the Citi Simplicity® Card account. We're reviewing your application submitted on 03/28/2019 and will get back to you within 7-10 days.

A few hours later I got a email - Congratulations, you've been approved! We're delighted to let you know you've been approved for the Citi Simplicity® Card, with a credit limit of "$4,600". Your account is considered open as of today, 03/28/19. - Honestly I needed higher CL to take advantage of the card, now I feel its considered pointless.

Is there any options I have to ask them about a larger CL? open to all advice... Thank You

UPDATE: 04/10/2019

[patoot10]

its my understanding that citi doesnt reconsider SL but you can always try

[macinjosh]

I wouldn't say it's pointless. I got a Citi DC last April with only a $2,000 SL. I utilized the BT offer the best I could for what I had. I would try to see what Citi says if you ask for recon on SL, and if your other Citi card CL of 3.75K is a Citi core Card, maybe you can shift some of that limit to the new one too?

Also, congrats on the approval.

[Harvey26]

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@JetOneTV wrote:

In a attempt to take advantage of the promo offer wanted to balance transfer.

Offer: 0% INTRO for 12months After 20.99% - APR for BT 0% INTRO for 21 Months (within 4 months) After 20.99%.

This was in response to a "mail offer". Applied online got the email - Hi. Thank you for your interest in the Citi Simplicity® Card account. We're reviewing your application submitted on 03/28/2019 and will get back to you within 7-10 days.

A few hours later I got a email - Congratulations, you've been approved! We're delighted to let you know you've been approved for the Citi Simplicity® Card, with a credit limit of "$4,600". Your account is considered open as of today, 03/28/19. - Honestly I needed higher CL to take advantage of the card, now I feel its considered pointless.

Is there any options I have to ask them about a larger CL? open to all advice... Thank You

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Once you receive the card you can ask for a CLI but it will be another HP. My mother was approved for Citi DC for 8K and submitted a request for 20K and they countered at 13K . But of course YMMV

[Anonymous]

I wouldn’t say it’s pointless. DW just did this with one of her Citi cards. She hasn’t had it for long, maybe 1 month, but she did get a nice CLI at the cost of a HP (puts her at 3/24, so no huge deal imo)

[Anonymous]

COngrats on your approval and very nice SL !!!!!

[FinStar]

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@Harvey26 wrote:

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@JetOneTV wrote:

In a attempt to take advantage of the promo offer wanted to balance transfer.

Offer: 0% INTRO for 12months After 20.99% - APR for BT 0% INTRO for 21 Months (within 4 months) After 20.99%.

This was in response to a "mail offer". Applied online got the email - Hi. Thank you for your interest in the Citi Simplicity® Card account. We're reviewing your application submitted on 03/28/2019 and will get back to you within 7-10 days.

A few hours later I got a email - Congratulations, you've been approved! We're delighted to let you know you've been approved for the Citi Simplicity® Card, with a credit limit of "$4,600". Your account is considered open as of today, 03/28/19. - Honestly I needed higher CL to take advantage of the card, now I feel its considered pointless.

Is there any options I have to ask them about a larger CL? open to all advice... Thank You

---

Once you receive the card you can ask for a CLI but it will be another HP. My mother was approved for Citi DC for 8K and submitted a request for 20K and they countered at 13K . But of course YMMV

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This ^^^ OP.  Expect another HP if you decide to go this route plus the outcome will certainly vary.   So, yes Citi can potentially reconsider the SL, provided you qualify for something higher. 

[Marz2002]

YOU...

CONGRATS on the Approval and the Very Nice SL!!!

[Five6Two]

Congrats on the approval! Not a bad SL, I am sure it will grow, you can def still use that BT offer! 

[Meanmchine]

How much of a CL are you looking for?