CITI CLI's

[Anonymous]

Given that they soft pull every six months, are they known to match limits? Just got approved for AMEX BCE and I'd like them to match it. 

Or would a new tradeline hinder a CLI? 

[-Wade-]

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@Anonymous wrote:

Given that they soft pull every six months, are they known to match limits? Just got approved for AMEX BCE and I'd like them to match it. 

Or would a new tradeline hinder a CLI? 

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Congrats on your approval for the BCE I don't have a citi card can't help you on that one

[Swapmeet]

I think that a good strategy would be to go after your 3x cli at 61 days, then once it reports, go ahead and get a cli on the citi card if it has been 6 months since your last one. You don't want the inq to hinder your 61 day cli, but you do want a possible guide for citi to go by. All this, of course, is without any knowledge of your credit situation.

[Anonymous]

Yep.. My CITI CLI is due 2/20/14. It will be a soft pull because the luv button said so.

As it stands, CITI 3k, AMEX 7k

Planned course of action:

Let Amex initially report.
Request CLI on Citi
AMEX 3X on 61st day
Request CLI ON CITI in another six months.

Or should I do 3x CLI before any type of request for CITI?

[Swapmeet]

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@Anonymous wrote:
Yep.. My CITI CLI is due 2/20/14. It will be a soft pull because the luv button said so.

As it stands, CITI 3k, AMEX 7k

Planned course of action:

Let Amex initially report.
Request CLI on Citi
AMEX 3X on 61st day
Request CLI ON CITI in another six months.

Or should I do 3x CLI before any type of request for CITI?

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I would get the 61 day 3x cli from Amex first, let it report, then do the citi sp cli. Maybe citi won't match it--they didn't match my highest line, but they got into the ball park. I waited for my cli to 13k on my USAA platinum mc to report before pulling the trigger with citi. The result was an initial cl of 10.5k. My highest line before that was 7k--like yours. Now if I were to pull the trigger before the 13k reported, would they have passed up all other lines (save for wal mart) and give me a 10.5 initial CL? Perhaps, but why take the chance that they are going to get into the ball park of your highest line before the 3x cli (say 5k), instead of getting into the ball park of your highest line after the 3x cli (say 12-15k)? Just the chance that my logic is correct was enough for me to wait until the 13k line reported--which worked out welll for me through yesterday's conclusion of my app spree. Sorry for the wordy response.

[Anonymous]

why are you apologizing? Lol. It's completely fine I actually like the word responses because I get to learn from them. Regarding your logic, it makes complete sense.but I figure that the second soft pull in 6 months will get me closer. Takes patience I guess... The second CLI will probably be even harder to get closer to the Amex given that my spend pattern will definitely not warrant a second higher CLI... Great advice!

All of this while trying to raise my limits with Chase (by far my lowest limits, and ironically has barely grown with me) while Cap1 has given me 6x in 6 months, and CITI 6x after approval and recon.

[Swapmeet]

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@Anonymous wrote:
why are you apologizing? Lol. It's completely fine I actually like the word responses because I get to learn from them. Regarding your logic, it makes complete sense.but I figure that the second soft pull in 6 months will get me closer. Takes patience I guess... The second CLI will probably be even harder to get closer to the Amex given that my spend pattern will definitely not warrant a second higher CLI... Great advice!

All of this while trying to raise my limits with Chase (by far my lowest limits, and ironically has barely grown with me) while Cap1 has given me 6x in 6 months, and CITI 6x after approval and recon.

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I don't put much through my BCE--I don't even use it every month. As for the highlighted phrase, I'm not exactly sure what you mean by it.

[Anonymous]

I meant that suppose CITI matches my 7k.

AMEX 3X CLI on 61st then ups me to 10k (realistically speaking)

Then in 6 months (August 2014) I'm due another SP CL. Suppose they increase me to 9k or so (closer to the 10k as referenced above) on the second CLI.

But you were basically saying to get it all in one CLI right?

And I agreed that would be a better course of action given that my spending patterns will probably not warrant a jump from 7k to 10k, but rather 3k to 9k.

I'm sorry if that doesn't make sense..

[Swapmeet]

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@Anonymous wrote:
I meant that suppose CITI matches my 7k.

AMEX 3X CLI on 61st then ups me to 10k (realistically speaking)

Then in 6 months (August 2014) I'm due another SP CL. Suppose they increase me to 9k or so (closer to the 10k as referenced above) on the second CLI.

But you were basically saying to get it all in one CLI right?

And I agreed that would be a better course of action given that my spending patterns will probably not warrant a jump from 7k to 10k, but rather 3k to 9k.

I'm sorry if that doesn't make sense..

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The way I see it, you ask amex for 21k, and they may give it to you, or counter with 15 or something. Then you do the sp with citi and they give you 12k. Then, in 6 months, you do the same thing. Maybe 25k for amex and 20k from citi.....It is all about efficiency here. Since one has to be so patient in this credit game, one should get as much done at once as possible.

[Anonymous]

True... It's a game of chess, not checkers lol.

Training Day references...

Can you comment on getting higher limits via CLI if your income or monthly spend does not warrant it?

For example.. Is it possible for a CLI to 20k limit with maybe 400 per month spent on the card plus a 40k income?