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Surprising Citi Costco SL after 'call to review' instant decision

cbf077
New Member

Surprising Citi Costco SL after 'call to review' instant decision

Was given an $8500 sl on Citi Costco instantly after calling and talking to someone. Wasn't sure what the outcome would be because of a number of recent hard inquiries from car loan pricing, a few recently opened cards, and a relatively short credit history.

 

Does Citi usually give higher SLs? Both my Citi cards have higher limits than any of my others.

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2 REPLIES 2
Obscure-Expert
Valued Contributor

Re: Surprising Citi Costco SL after 'call to review' instant decision

As long as you're under 6/6 you're chances are high of approval and you're at 2/6 so they probably wanted a verification of some sort.

 

Citi isn't known for high limits unless you're paying a high AF for the card.  I picked up the Premier awhile back and the initial limit was around 8K when everyone else in my wallet was 20K+ up to 50-65K.  I hit the CLI when I got the card and snagged another 5K out of them and it's been a 2K drip since then every 6 months.

 

Comparatively I picked up the Uber at 11K approval and called them to raise it to 25K in a matter of a couple of mins.  No matter how much I pester Citi they are just hard headed about the issue.

500K+ TCL / 800+ FCOs
Message 2 of 3
ItsPossible
Valued Contributor

Re: Surprising Citi Costco SL after 'call to review' instant decision

Congrats on your approval and nice SL!!! Enjoy!

"Hover mouse over cards to see CL and APR info"


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