CLI Form for Citi CLI Request

[smallfry]

They ask for banking info such as savings and checking if you are unfortunate enough to get the form when asking online for a CLI. What info can they get? Do they learn what amounts you have in checking and savings or can they just verify the accounts just exist. I am curious as to what info they can actually get from your banks or credit unions when you fill out the form.

[Anonymous]

I believe its illegal for your banks to disclose the amount in your accounts. I think its just to verify that you have them  (or maybe it is even a bluff on their part)- that probably reduces their credit risk somewhat.

[smallfry]

I have heard the banks may possibly divulge the info for business cards. I didn't think they would give out the info for personal lines but if Citi gets nothing but the existence of the accounts it seems pointless.

[unknown_entity]

Once you make a payment online, it won't ask you for that info.  I think they can just verify if the account exists.  They can't get specific account info from your bank unless you have a signed release form on file at your bank for Citi.

[smallfry]

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@unknown_entity wrote:

Once you make a payment online, it won't ask you for that info. I think they can just verify if the account exists. They can't get specific account info from your bank unless you have a signed release form on file at your bank for Citi.

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Been paying online for over a year now and the form asked for bank info. I didn't bother to fill out the form I was just seeing if there was a hard free CLI available to me.

[ocheosa]

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smallfry wrote:
They ask for banking info such as savings and checking if you are unfortunate enough to get the form when asking online for a CLI. What info can they get? Do they learn what amounts you have in checking and savings or can they just verify the accounts just exist. I am curious as to what info they can actually get from your banks or credit unions when you fill out the form.

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I just received a CLI with Citi, I called and spoke to cust service or you can ask for the credit department. They will ask if you have a checking and/or savings all you need reply is yes or no. They do not ask for account numbers. I prefer to deal with a person, vs a form online. And I get great results.The only thing I am uncomfortable with is when they ask how much of an increase would you like? I request a match to my highest CL (whether a citi card or other).

Try it and see what happens. With your scores I cannot imagine you having any issues as long as your CRs are clean. For me (NJ) they pulled EX.

[smallfry]

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@ocheosa wrote:

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@smallfry wrote:
They ask for banking info such as savings and checking if you are unfortunate enough to get the form when asking online for a CLI. What info can they get? Do they learn what amounts you have in checking and savings or can they just verify the accounts just exist. I am curious as to what info they can actually get from your banks or credit unions when you fill out the form.

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I just received a CLI with Citi, I called and spoke to cust service or you can ask for the credit department. They will ask if you have a checking and/or savings all you need reply is yes or no. They do not ask for account numbers. I prefer to deal with a person, vs a form online. And I get great results.The only thing I am uncomfortable with is when they ask how much of an increase would you like? I request a match to my highest CL (whether a citi card or other).

Try it and see what happens. With your scores I cannot imagine you having any issues as long as your CRs are clean. For me (NJ) they pulled EX.

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Thanks. My reports are not yet clean. 21 more months to go for that.