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

[Anonymous]

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@MakingProgress wrote:

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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.

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Another good example of YMMV!  Certainly not a "typical" Citi result!

[K-in-Boston]

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@Kforce wrote:

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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.

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LOL.  DW's Double Cash is $19,600.  My DP began as $5500 and is now $12,800.  TYP began at $3000 and is now $4500.  Guess we're 1 for 3 in our house (for now).  Other lenders (looking at you, BoA) are also really fond of their odd CLs.

[polaris2011]

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@Anonymous wrote:

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

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So true!! My SL with their Diamond card was $3700 and I hate odd numbers 

OP, we have a somewhat similar profile. The one thing I'll say about Citi so far is that they do send a lot of pre-selected offers. I got them before, but I applied two weeks ago and since then I've gotten offers in the mail for both the Simplicity and DC cards. 

Good luck!

[Anonymous]

Thanks for the replies. I'm going to apply in a few weeks once I see that my large(pif) balance has been updated by discover and the loan hopefully reports. I'll definitely come back with results

I'm hoping to get enough of a SL for a phone purchase in Oct and the warranty will be a nice benefit. Will Citi recon or immediately increase the limit if I explained myself? That worked with securing the Uber card....

[polaris2011]

I inquired but was told it would require a HP, so I declined as I decided to do my bt on my Amex ED card instead.

[Anonymous]

My Citi DC limit has always ended in "300" from the SL and through two CLIs.  One day once the limit is where I want it I'll probably call up and have them CLD me $300 to round things off.

[Anonymous]

I was just approved for the Double Cash card with a lower income then you, AAoA of 10 Months (longest card 1.4 years) and I was approved off a prequalify for a $1500 SL and 20.24 % APR.

[Anonymous]

That gives me a bit of hope. I could make a SL of 1500 work for my first purchase. 2500 is just padding.

[CreditWolf]

@K in Boston and AJC you guys are correct citi is well known for bad sl unless you are mahraja he just got 2 citi heavy duty accounts back to back within 10 days the TYP limit was 20k and DC was at 11.6k so it depends on the profile i guess...

[Anonymous]

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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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$1200 SL