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Random Citi Dividend CLI!

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forceedge99
Contributor

Random Citi Dividend CLI!

I've only had the card for 3 months...i called them randomly thinking eh, it can't hurt and BAM..he approved me for a 1200 increase!!

No hard pull no nothing!

Never thought it would be that easy!

Now my limit is 2400! So happy =]

BCE - 12k
Cap 1 QuickSilver - 1.75k
Citi Dividend - 2.4k
Discover It - 2k
Chase - 800
Your FICO® score at Equifax is 725 (Update: Increased to 751) =]
Message 1 of 14
13 REPLIES 13
LS2982
Mega Contributor

Re: Random Citi Dividend CLI!


@forceedge99 wrote:

I've only had the card for 3 months...i called them randomly thinking eh, it can't hurt and BAM..he approved me for a 1200 increase!!

No hard pull no nothing!

Never thought it would be that easy!

Now my limit is 2400! So happy =]


CONGRATS!!! Smiley Happy

 

I would double check your files for a HP.....




EQ FICO 548 3/3/16
Message 2 of 14
rtw
Established Contributor

Re: Random Citi Dividend CLI!

Nice! Congrats.

Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Message 3 of 14
forceedge99
Contributor

Re: Random Citi Dividend CLI!

I made sure there wasnt one. They rep reassured me serveral times and even offered to give me his name and phone number just to make me feel more secure.

All he asked for was my income and that was it!

=]

BCE - 12k
Cap 1 QuickSilver - 1.75k
Citi Dividend - 2.4k
Discover It - 2k
Chase - 800
Your FICO® score at Equifax is 725 (Update: Increased to 751) =]
Message 4 of 14
LS2982
Mega Contributor

Re: Random Citi Dividend CLI!


@forceedge99 wrote:

I made sure there wasnt one. They rep reassured me serveral times and even offered to give me his name and phone number just to make me feel more secure.

All he asked for was my income and that was it!

=]


I'm talking at least 24-48 hrs from now, your not going to see it right now if there was one.




EQ FICO 548 3/3/16
Message 5 of 14
forceedge99
Contributor

Re: Random Citi Dividend CLI!

Why are yu so sure it was a HP?

The represenative said he did not lookin into ANY credit bearues or didn't pull any reports. He just asked for my income. That is all

BCE - 12k
Cap 1 QuickSilver - 1.75k
Citi Dividend - 2.4k
Discover It - 2k
Chase - 800
Your FICO® score at Equifax is 725 (Update: Increased to 751) =]
Message 6 of 14
LS2982
Mega Contributor

Re: Random Citi Dividend CLI!


@forceedge99 wrote:

Why are yu so sure it was a HP?

The represenative said he did not lookin into ANY credit bearues or didn't pull any reports. He just asked for my income. That is all


Hey i'm just trying to keep you informed. When they ask for income they pull a report, SP or HP. Or maybe even use a SP they have on file from you.

 

CSR's anywhere nowadays have not a clue of what a SP or HP is and even if they do they still cant grasp what their company policies are. Never take a CSR's word on INQ's.

 

Smiley Happy




EQ FICO 548 3/3/16
Message 7 of 14
forceedge99
Contributor

Re: Random Citi Dividend CLI!

you had me worried..lol.

So i actually went and called again and gt another represenative who was able to look at the CLI and she confirmed it was a soft pull..

Thank goodness haha

BCE - 12k
Cap 1 QuickSilver - 1.75k
Citi Dividend - 2.4k
Discover It - 2k
Chase - 800
Your FICO® score at Equifax is 725 (Update: Increased to 751) =]
Message 8 of 14
Anonymous
Not applicable

Re: Random Citi Dividend CLI!

Awesome!! I hope the rep was correct and that their is now hp!!
Message 9 of 14
myjourney
Super Contributor

Re: Random Citi Dividend CLI!

Congrats 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 10 of 14
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