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You may not get any luv from Citi, I got a Diamond Preffered last October with a 6,800 limit, Wednesday I hit the luv button asking for a 3200 CLI,,, Citi DENIED my request citing "too many new accounts" !!??
This morning I got an Experain alert telling me Citi pulled a HARD on Experian for my effort,
Thanks Citi !!!
I quite wrongly assumed that would be a soft?? I got a 2,500 CLI from Penfed last month and it didn't cost me a hard hit ,,,
YMMV ,,,
@Anonymous wrote:You may not get any luv from Citi, I got a Diamond Preffered last October with a 6,800 limit, Wednesday I hit the luv button asking for a 3200 CLI,,, Citi DENIED my request citing "too many new accounts" !!??
This morning I got an Experain alert telling me Citi pulled a HARD on Experian for my effort,
Thanks Citi !!!
I quite wrongly assumed that would be a soft?? I got a 2,500 CLI from Penfed last month and it didn't cost me a hard hit ,,,
YMMV ,,,
If you get a form to fill out when you request a CLI it may cause you a hard pull.
In general I do not think that moving balances from installment to revolving is a good idea. You want move balances from revolving to installment.
In this credit climate increasing your revolving UTIL to save a few dollars finance charge on a secured installment loan is potential credit suicide. If I had a lot of recent credit app's and new accounts I certainly wouldn't make this move!
@DI wrote:
I have a Citi Platinum Card I opened in July. The CL is $4000. I have a 0% BT offer that I can use by 4/2010. I am wanting to xfer my last $5000 car loan balance to the card. Is it likely for me to get a significant CLI by 12/09?
Most likely not. I did not get a luv button CLI until six months plus and when I did it was around 25%. Expect increasing CL stickiness from Citi - they have to reduce their CL exposure.