Diamond Preferred - Opened 5/2013 - current limit $2400
Double Cash - Opened 9/2015 - current limit $2300
All scores between 735-740
Only 1 baddie from 2010, late payment on paid Car loan
Inquiries: EXP-4, TU-5, EQ-4
I have no clue what to do, if anything here. I've been struggling with this for a few weeks They auto increased my Preferred in May +$1200 after never giving me anything since '13. This was about 8 months since I last hit the button and denied. It kind of upset me because it took away my ability to initiate the SP CLI. Then, my Double cash, I hit the button last month and it moved +$1100. Was not thrilled 
I'm also not sure I have much use for the Preferred, as it is. But I've out good spend on both cards.
So what now? Should I try the HP on line or call to get much better limits? (if they'll let me since they just increased the limits). See if I can combine cards and close one? What, if any other options am I missing?
The one thing that I really don't want to do is app for another card.
Any insight is appreciated. Thanks!
Thanks Y.I.M. Really I would spend more, but the limits have limited me to multiple payments at times, and so on. My first thought was a HP.
Would they use it for both card, or a HP for each?
Would they use it for both card, or a HP for each?
@Anonymous wrote:
@RM21 wrote:
Thanks Y.I.M. Really I would spend more, but the limits have limited me to multiple payments at times, and so on. My first thought was a HP.
Would they use it for both card, or a HP for each?Just ask them if they can tell you if you are eligible for a CLI on either of your 2 cards. Then if they say they have to do a HP, it should only be one. WHy would they have to look twice to see the same info?
Oh I agree with your thought about not needing 2 pulls for the same info, but I just didn't want to assume. I've seen too many strange things at times on here not to make sure.
@Anonymous wrote:I think it's 6mo between increases whether they HP or not. You might be auto-declined for one on either card even if you call. Why so hellbent trying to get increases? Just to have higher limit?
I would maybe wait until 6mo is up on both cards then try to call and combine and HP CLI at the same time into a much bigger DC but for now I would just SD the diamond and PIF before statement cut on the DC so you get 2% at statement time anyway. It's a process don't rush things.
Thanks. I get what you are saying, and I do know it is a process. What you said about the auto decline for 6 months is something I was worried about, but not sure if it would happen with a HP.
This really isn't so much about the increase number, but they haven't really grown compared to the other cards I have. If it will not grow, fine. But I want to make sure there isn't more I can do.
@Anonymous wrote:
@RM21 wrote:
@Anonymous wrote:I think it's 6mo between increases whether they HP or not. You might be auto-declined for one on either card even if you call. Why so hellbent trying to get increases? Just to have higher limit?
I would maybe wait until 6mo is up on both cards then try to call and combine and HP CLI at the same time into a much bigger DC but for now I would just SD the diamond and PIF before statement cut on the DC so you get 2% at statement time anyway. It's a process don't rush things.
Thanks. I get what you are saying, and I do know it is a process. What you said about the auto decline for 6 months is something I was worried about, but not sure if it would happen with a HP.
This really isn't so much about the increase number, but they haven't really grown compared to the other cards I have. If it will not grow, fine. But I want to make sure there isn't more I can do.
Well I'm curious so if you find out let us know or maybe a Citi expert will drop by. I think they're HP for combine too so waiting and then maying using the pull to combine and ask for increase at the same time would work ok. I just don't think taking another HP right now (even if they allow it) feels correct to me. I have a pretty big DC but I got approved at 5 or 6k I forget and then a few weeks after approval took HP to get to 15k. So that strategy definitely works. Since then I've gotten 1500-2k SP increases every 6 months so you're 1100 increase is pretty typical there. With a baddie still reporting just seems a bit of a reach to be that aggressive, imo.
I'm thinking they will not do a HP increase due to the 6 month rule based on what was said. I agree, if it is a HP to combine also, then it only makes sense to do both at the same time. You've done well with your progress on your DC!! Maybe I'll get there one of these days with them.
If you are not really all that into the DP, why not move that limit to the DC and close it out? Gives you one card with a higher limit. Beats what you have right now. Just a thought.
