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Surprising Citibank CL Increase!!!

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Frequent Contributor

Surprising Citibank CL Increase!!!

Ive had my double cash card now for 3 months, when i noticed yesterday it said it had a new balance transfer offer. So out of curosity I clicked the line increase button to see if it was still a hard pull, but to my amazement, it changed to a soft pull inquiry, so I hit the link and got a modest 1300 increase, which it started at 3k, which is way lower than my other cards. But happy for the increase, especially this soon. I was under the impression that it was every six months with citi. Now I do have my Hhonors card with them and its been almost year, so I dont know if that had anything to do with it. But I will wait until my score is higher to ask for a hard pull increase! So far Im loving Citibank, which I honestly never expected!

 

 

Side Note: I figure I would give it a shot and call for an APR reduction, and I got a 3% decrease. Lady told me to call back next month, to see if there was another apr reduction available. Really loving Citibank, been the only bank showing me some love the last few months, lolSmiley LOL


BK 7 Discharged: 05/30/2018
Fico Scores after Discharge: Experian-552 TransUnion- 490 Equifax- 571
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Frequent Contributor

Re: Surprising Citibank CL Increase!!!

Nice SP increase, especially after only 3 months.  Just finally got in with Citibank so hopefully I can get some SP love down the road too! 

Jan 2016 FICO 8s EX 505 - EQ 526 - TU 495 *** May 2017 FICO 8s EX 696 - EQ 695 - TU 705 *** INQs - EX 10 - EQ 20 - TU 12 *** TCL $282,650
Barclay AA - $28k | Cap1 QS $26k | PenFed Plat $25k | NFCU Sig VS $24k | Chase CSP $20k | Chase Ritz $20k | Amex SPG $20k | BofA BBR $15k | NFCU LOC $15k | BofA CR $13.5k | Sync Lowe’s $12k | Citi AA $10.5k | Amex Delta Plat $10.4k | Marvel MC $8k | Citi Costco VS $7k | Sync Amazon $6.1k | Amex ED $2k | Amex BCP $1k | Amex PRG NSP / $25k Pay Over Time
Message 2 of 6
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Frequent Contributor

Re: Surprising Citibank CL Increase!!!

Congrats on the soft pull CLI! You may not need to wait 30 days for another APR reduction. I've read at least two accounts of people who received multiple deductions one day apart. 

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Valued Contributor

Re: Surprising Citibank CL Increase!!!

Congratulations on your increase....very nice. I personally would not consider this a modest increase especially after just 3 months.  Celebrate!!...very nice increase!!....Smiley Happy

American Express Business Gold(NPSL 10k) Chase CSP (25k) Pier 1(23.5k) BofA CR Siggy (20.8k) BofA BBR (22.1k) Amex BCP(4.1k) Overstock (21.1K) Lowes (17K) NFCU CLOC (15K) NFCU VS Cash (15K) Care Credit (15k) J Crew( 11.9k)Venture WMC (10.25k) Amex Everyday (1k) Chase Slate (10k) Walmart MC(10k) BB Visa (10k) Discover(4.5k☝️) PayPal Cashback Mastercard (8k) Chase FU (7.4k) Citi AAdvantage Gold World Elite (9.5K) Citi Double Cash (8.5k) Fidelity® Rewards Visa Signature® Card (6.5K) PenFed PCR (5K) PayPal Credit (4550)Discover (500✌️) Kohls (3k) Chase Freedom (1500)

Mortgage May 2017 - 2 auto loans (1 PenFed and 1 Navy) Aug 2018=98K
Gardening until Aug 2020

FICO 8 Scores EX 702 EQ 705 TU(1) 718
AAOA 4.6yrs TCL=300,700
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Valued Contributor

Re: Surprising Citibank CL Increase!!!

Weird... I've had my DC less than a month and I also had a balance transfer offer and a soft pull CLI page.  Just for grins I submitted the form to see if I could get anything but no dice.

I did just do a HP CLI when I got the card, so I would've been really surprised if I'd gotten anything now.  I really wish I'd waited a few weeks.

Message 5 of 6
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Community Leader
Mega Contributor

Re: Surprising Citibank CL Increase!!!

Citi does indeed enjoy your company. An sp increase AND an Apr reduction in first 3 months. Impressive indeedSmiley Happy
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