Any guesses at a Citi DC starting limit before I app?

[Anonymous]

I'm hoping for atleast $2500.

Annual: 30k

TU 694 (barclay scorecard)

EX 699 (discover creditscorecard)

AAoA 6mos.

Oldest account 1 year

These scores will improve a little as cards and a secure loan report lower balances

[AverageJoesCredit]

$1500

[Anonymous]

Citi is not known for their generous starting limits.

A lot depends on your credit history, how many major credit lines you have, length of credit, credit limits, payment history, etc.

$2500 is not an unreasonable hope, but I have seen people get as low as $500 and as high as $16,000.

Only way to know is to app and cross your fingers. My starting limit was $11,600. My sister, who makes over $100,000, got $1000. 

Go figure !!   

[Anonymous]

OP - Citi is not historically a high SL lender, nor do they seem to favor thin files the way Discover does. If approved, I would suspect your SL will be $1000-$1500 based on the data points you’ve provided. As always, YMMV, and all of us here have seen very unusual results. Please keep us posted so we can add your data points to the knowledge bank. GOOD LUCK!!! 👍🏻

[Remedios]

I dont think Citi is particularly friendly to young files.
Even with scores improvement, if approved. I would expect SL between $800 and $1500

If you get a nice bump on TU, Synch PayPal 2% may be a better option for now.

Citi will still be there in another year or so

[Anonymous]

I concur with that PayPal 2% sentiment. If TU goes over 700, that’s a good bet for a nice SL. 720...even better.

My dad applied with similar history and a 730 FICO 8 score and $40K income and got a $500 SL with his Citi DC. At the time, he had a $2K, $5900 and $10K cards in his profile with 3-5% utilization.

I’d say $500-$1000 is likely. But you never know until you pull the trigger on the app. But as the consensus says, Citi isn’t know for high SLs in general. Even lower SLs are reported with short history. They can grow with SP love though. It’ll just likely happen MUCH faster with Synch’s PayPal 2% card. Though going the Synch route doesn’t give you as many benefits.

[MakingProgress]

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@Anonymous wrote:

I'm hoping for atleast $2500.

Annual: 30k

TU 694 (barclay scorecard)

EX 699 (discover creditscorecard)

AAoA 6mos.

Oldest account 1 year

These scores will improve a little as cards and a secure loan report lower balances

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When I got my DC last Feb my scores and account age were similar to yours.  I did have a couple of 120 day lates, and my income is significantly higher than yours.   That being said conventional wisdom was that I wouldn't get approved because of the lates. 

Not only did I get approved, but I got a SL of $7,400.   I was very surprised by my SL.

[K-in-Boston]

As others have already chimed in, it's difficult to even guess as to a starting line.  Citi is not known for overly-generous starting lines, but I have seen a number of larger approvals.  On the other hand, with my long spotless payment history, average revolving CL of well over $20k, and income in the 200s my last Citi approval was only for $3,000 on the ThankYou Premier. 

The good thing about Citi is that eligibility for SP CLIs usually happens just 2-3 months after an account has been opened and then you are usually eligible every 6 months after that.  From data points that I've seen here, HP CLIs can also be quite fruitful.

[Anonymous]

My guess is $1300.

Short age of credit history, so-so scores/income and DC SLs aren't typically strong to begin with.

Why $1300?  Because Citi likes to end their SLs in odd mentally unpleasing numbers

[Kforce]

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@Anonymous wrote:

My guess is $1300.

Why $1300?  "Because Citi likes to end their SLs in odd mentally unpleasing numbers "

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This is so true, every CLI is something like 3,700 or 4,300  never an even 2000 or 3500.

My Sig has the Citi-DC rounded as 20k while the true CL is 19,900 (Why)

The US-Bank Cash+ also does this to me.