Citi rewards card with a Embarrassing credit line

[Jccflat]

So I applied on Friday for the city rewards cards and got a waste of Embarrassing $1000 credit card 

And this is when all my cards have a minimum of $25,000 credit line I do have the custom cash card for almost 6 months with a credit line of $8700

They pulled Equifax which is  fico 776

4% Utilization ans clean report 

I wonder is there anything I can do about it once I get the card or I should instead ask for a credit line increase for the custom cash  card which is  6 months in two weeks ?

[CreditMagic7]

Some of us have seen that exact same thing with them before.

Makes ya wonder as your other lines are so solid.

At any rate good for you that it is an approval and maybe you can move some limit over to that one?

[coldfusion]

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@CreditMagic7 wrote:

Some of us have seen that exact same thing with them before.

Makes ya wonder as your other lines are so solid.

At any rate good for you that it is an approval and maybe you can move some limit over to that one?

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Citi hasn't allowed reallocation of limits between cards for a while.

OP can call and recon the starting limit but when doing so the underwriter may at their discretion make another hard pull with no guarantee of a positive outcome.

[M_Smart007]

Congrats on your approval

+1 for what @coldfusion said!

[RSX]

Likely due to the other Citi card being opened a short time before

i wouldn't worry about it.  Use it. Pay it off. Wait 7 months then ask for a CLI

they are an SP, so you can ask every 6 months without any penalty.  

they have essentially given you 10K in under 6months (between the 2 cards)

[Jccflat]

My custom cash cards will be six months in two weeks so that means it's gonna be a soft pull ? I see you said seven months is six months is fine also where do I ask for the credit line increase am I going to have a link for it online?

[lgtwriter]

@Jccflat I had the same problem with my (now closed) Citi Costco card. I was approved for $1200 in August, 2021 when most of my other cards were at least ten times that amount. I tried cli for two months to no avail. So I closed the card and the same day applied for a Citi Simplicity card and received a $14,400 limit.

When I got the low limit from the Costco card, my utilization was a bit high (15%). When I got the Simplicity card, my utilization was down to about 7 or 8%. (It is 4% now). I would check to see whether all of your credit lines are reporting the correct balances.

If you want Citi, and you want a rewards card, the Simplicity although having no rewards, has 0% for the first year, and Citi often sends offers to convert it to a rewards card. Of course, as with anything, ymmv.

[AverageJoesCredit]

   Seeing as Amex only gave you $8700 ,  @Jccflat  im curious as to what cards you currently have at 25k if you dont mind sharing. Thank you. 

[Jccflat]

Average Jose credit Amex never gave me 8700$ they gave 25k a week ago 

yes all my accounts are above 25k besides 2 cards 

[AverageJoesCredit]

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@Jccflat wrote:

Average Jose credit Amex never gave me 8700$ they gave 25k a week ago 

yes all my accounts are above 25k besides 2 cards 

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Oops lol. My guess then is the bk still on your record that i noticed in your Boa thread. Citi can be known to hp someone twice only to do them over thrice