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Is Citi stingy with their starting limits?

tag
Anonymous
Not applicable

Is Citi stingy with their starting limits?

My brother applied for three cards today: 

 

Citi Doublecash (pre-qual mailer): $3,000

Wells Fargo (pre-qual mailer): $10,000

Delta Gold SkyMiles Amex: $8,000

 

I was just amused by the small starting limit from Citi and wanted to share. 

Message 1 of 14
13 REPLIES 13
Anonymous
Not applicable

Re: Is Citi stingy with their starting limits?

I just got approved for the citi dc world elite mastercard but the sl was only 1700. EQ is my lowest score so i would expect that, but they do grow.

Message 2 of 14
Gmood1
Super Contributor

Re: Is Citi stingy with their starting limits?

Citi is tight..lol
Good luck on that growth.
Message 3 of 14
ddemari
Super Contributor

Re: Is Citi stingy with their starting limits?

Citi is tough and not the nicest on giving out big credit limits. 

 

I remember when I had my Citi Shell MasterCard at 19, the limit was largest approval amount of $11,000.00 but this was in 2004 lol. 

Message 4 of 14
Anonymous
Not applicable

Re: Is Citi stingy with their starting limits?

Citi is TIGHT to say the LEAST but I hear that if you are good with them they'll raise you...they take their time and when they do raise you it isn't by much...

Message 5 of 14
Anonymous
Not applicable

Re: Is Citi stingy with their starting limits?

a lot of people find success in getting a HP CLI with them. many go from a SL like your brothers to like $7-$10k
Message 6 of 14
Anonymous
Not applicable

Re: Is Citi stingy with their starting limits?

I was got a SL of $2.9k on the same day I got a $20k Venture.  I almost regret apping for it.  We'll see what happens.

Message 7 of 14
Anonymous
Not applicable

Re: Is Citi stingy with their starting limits?

Yes, they are! I was given a 4k starting limit when I had 780 on Experian which they pulled. I burned Citi in my Chapter 13 so thought that was the reason, but it seems most of us have lower starting limits although I am sure there are exceptions.

Message 8 of 14
DeeBee78
Valued Contributor

Re: Is Citi stingy with their starting limits?


@Anonymous wrote:

My brother applied for three cards today: 

 

Citi Doublecash (pre-qual mailer): $3,000

Wells Fargo (pre-qual mailer): $10,000

Delta Gold SkyMiles Amex: $8,000

 

I was just amused by the small starting limit from Citi and wanted to share. 


Yes and no. Everyone in this thread has the doublecash, which is well known for giving out low starting limits. CIti's higher-end cards regularly see $5k and up starting limits. Look in the approvals section for more evidence to support my statements. 




Message 9 of 14
Anonymous
Not applicable

Re: Is Citi stingy with their starting limits?

Citi can be a bit stingy with limits on a few cards from what I've read here. Premier and Prestige seem to have decent starting limits but DC and their balance transfer cards can sometimes be low compared to other current limits. Like 2011XTERROR said some of us have success taking a second HP. My DP went from $6k - $15k doing this. I felt it was worth it. After six months he may qualify for a SP increase.
Congrats to your brother Smiley Happy
Message 10 of 14
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