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Pushing CL the limits with CitiBank

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Frequent Contributor

Pushing CL the limits with CitiBank

So about 3 weeks ago I was approved for the Citi® / AAdvantage® Executive card and was instantly approved for 21K.  Well today I thought,,,, what they heck, let me see if they will give me an increase.  so I apped for a CLI of 28k, here are the two messages I got;

Screen Shot 2018-08-16 at 1.41.57 PM.png

Screen Shot 2018-08-16 at 2.17.17 PM.png

 

So according to the approval email 23K is the highest limit their credit policy will allow, which is kinda weird because some guy who commented on my original approval post said he was instant approved for 31K.  Anyway, nothing ventured, nothing lost.... I am happy to know that I have maxed out the amount their policy allows. Smiley Happy

 

 





No Preset Spending Limit Hilton - $20K  Cash Magnet $18k Blue Cash Preferred $28K   Discover IT HSN Card  FurnRow $20K  Rooms To Go Synchrony $16.5K $5k Amazon Prime Card $10k  Home Mortgage 280K 3% 39K Car Loan 1.9%





 







 

19 REPLIES 19
New Contributor

Re: Pushing CL the limits with CitiBank

Congrats!!!



Message 2 of 20
Valued Contributor

Re: Pushing CL the limits with CitiBank


@avp99 wrote:

So about 3 weeks ago I was approved for the Citi® / AAdvantage® Executive card and was instantly approved for 21K.  Well today I thought,,,, what they heck, let me see if they will give me an increase.  so I apped for a CLI of 28k, here are the two messages I got;

Screen Shot 2018-08-16 at 1.41.57 PM.png

Screen Shot 2018-08-16 at 2.17.17 PM.png

 

So according to the approval email 23K is the highest limit their credit policy will allow, which is kinda weird because some guy who commented on my original approval post said he was instant approved for 31K.  Anyway, nothing ventured, nothing lost.... I am happy to know that I have maxed out the amount their policy allows. Smiley Happy

 

 


Congrats, OP! Citi can be a tough nut to crack. I would try getting an additional CLI in a couple months. I would also consider the fact that you have a Citi-backed Best Buy account, so it might be factored in your overall exposure with them. Smiley Wink

Message 3 of 20
Frequent Contributor

Re: Pushing CL the limits with CitiBank


@creditwarrior2317616
Congrats, OP! Citi can be a tough nut to crack. I would try getting an additional CLI in a couple months. I would also consider the fact you that you have a Citi-backed Best Buy account, so it might be factored in your overall exposure with them. Smiley Wink

Good point on the Citi/BestBuy card.  Did not think of that.





No Preset Spending Limit Hilton - $20K  Cash Magnet $18k Blue Cash Preferred $28K   Discover IT HSN Card  FurnRow $20K  Rooms To Go Synchrony $16.5K $5k Amazon Prime Card $10k  Home Mortgage 280K 3% 39K Car Loan 1.9%





 







 

Message 4 of 20
Valued Contributor

Re: Pushing CL the limits with CitiBank

Congrats on the new approval and SL. It's a great starting SL and never know, it may grow from there.


Scores - All bureaus 750 +/-
TCL - Est. $275K
Message 5 of 20
Community Leader
Super Contributor

Re: Pushing CL the limits with CitiBank

Congrats there!

Message 6 of 20
Senior Contributor

Re: Pushing CL the limits with CitiBank

Congrats on nice CLI !!!!!

you sir  have very nice Limit !!!!

 

 

 

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 7 of 20
Valued Contributor

Re: Pushing CL the limits with CitiBank

Any chance they reference an internal policy that could be specific to certain Income ranges, score ranges, etc.?  I have no doubts there are policies but I'd be willing to bet the policy is not a one-and-done, rather per case scenario.  Doubt we will know that either way!


Message 8 of 20
Frequent Contributor

Re: Pushing CL the limits with CitiBank


@Cred4All wrote:

Any chance they reference an internal policy that could be specific to certain Income ranges, score ranges, etc.?  I have no doubts there are policies but I'd be willing to bet the policy is not a one-and-done, rather per case scenario.  Doubt we will know that either way!


 

I was thinking the same... I might wait a few more months and try for another CLI and see if it budges.  If it does, then it may be specific to my credit profile.





No Preset Spending Limit Hilton - $20K  Cash Magnet $18k Blue Cash Preferred $28K   Discover IT HSN Card  FurnRow $20K  Rooms To Go Synchrony $16.5K $5k Amazon Prime Card $10k  Home Mortgage 280K 3% 39K Car Loan 1.9%





 







 

Message 9 of 20
Established Contributor

Re: Pushing CL the limits with CitiBank

Congrats on approval and CLI!!!Smiley Very Happy

 




Message 10 of 20
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