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Citi Bank CLI - HP :(

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Citi Bank CLI - HP :(

Based on what I've read, I assumed that the Citi Bank CLI was a soft pull. I received an alert and Citi HP'd Equifax. Can I fight it??? ☹ Just trying to balance my UTIL % without HP's.

Message 1 of 8
7 REPLIES 7
Senior Contributor

Re: Citi Bank CLI - HP :(


@CreditTara16 wrote:

Based on what I've read, I assumed that the Citi Bank CLI was a soft pull. I received an alert and Citi HP'd Equifax. Can I fight it??? ☹ Just trying to balance my UTIL % without HP's.


How did you request it? I've gotten SP CLIs, but always by calling the number on the back of my card.

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Message 2 of 8
Valued Contributor

Re: Citi Bank CLI - HP :(

It's a soft pull until it asks you if you want to do a manual review. If you click on that second part, it's a hard pull. Do you remember something like that? 

 

Not something you can legitimately dispute, it sounds as if you click through too fast.

Message 3 of 8
Valued Contributor

Re: Citi Bank CLI - HP :(

If you see this....

image.png

 

Then it's  a SP..... If you see 3 or more boxes asking for info then it's going to be a HP for sure and will state as much.

 

If your card isn't a legacy CITI product then it's usually a HP either way. 

 

Any CBNA / DSNB store / co-brand could be a HP as well depending on the product.

500K+ TCL / 800+ FCOs
Message 4 of 8
Community Leader
Senior Contributor

Re: Citi Bank CLI - HP :(

Citi is sometimes a SP, but looking at verbage there is always a chance it could be a HP when applying for a CLI with any lenders.

 

No you "can't fight it ", you applied for an increase .

EXP 763 TU 793 EQ 734
Message 5 of 8
Valued Contributor

Re: Citi Bank CLI - HP :(


@Obscure-Expert wrote:

If you see this....

image.png

 

Then it's  a SP..... If you see 3 or more boxes asking for info then it's going to be a HP for sure and will state as much.

 

If your card isn't a legacy CITI product then it's usually a HP either way. 

 

Any CBNA / DSNB store / co-brand could be a HP as well depending on the product.


I went for a CLI last January for my DC card. Requested 10K increase from 40K to 50K. My last CLI on the card was November 2007. I thought since my income is up 40K since then,  I can get a CL more in line with 2019 and a higher income.

 

I was denied. Reason, income not high enough for an increase. Times are different.  Income up 40K, never missed a payment, no CLI in 12 years, not good enough. It may also be their top line is 40K for DC, who knows. 

 

It was a hard pull.

Scores, HPs/24 mos. (updated 1/21/20):
    Experian FICO Score 8 = 850, 2/24
    TransUnion = 839, 0/24
    Equifax = 839, 0/24

Total 2019 rewards, incl. offers/deals = $1,709.07

2019 Spend:
    BCE: $4,039.50
    BoA Cash Rewards: $6,819.88
    Savor: $7,256.77
    CF: $3,104.62
    DC: $13,827.18
    Discover IT: $2,666.30
    Lowes: $147.59
    PNC Cash Rewards: $857.40
    Propel: $4,942.08
=================
Total Spend: $44,135.14

Avg. rewards rate, incl. offers/deals = 3.87%

Total CL: $244,500

Cards (hover over for CL & interest rate):
Message 6 of 8
Moderator

Re: Citi Bank CLI - HP :(


@CardNut wrote:

@Obscure-Expert wrote:

If you see this....

image.png

 

Then it's  a SP..... If you see 3 or more boxes asking for info then it's going to be a HP for sure and will state as much.

 

If your card isn't a legacy CITI product then it's usually a HP either way. 

 

Any CBNA / DSNB store / co-brand could be a HP as well depending on the product.


I went for a CLI last January for my DC card. Requested 10K increase from 40K to 50K. My last CLI on the card was November 2007. I thought since my income is up 40K since then,  I can get a CL more in line with 2019 and a higher income.

 

I was denied. Reason, income not high enough for an increase. Times are different.  Income up 40K, never missed a payment, no CLI in 12 years, not good enough. It may also be their top line is 40K for DC, who knows. 

 

It was a hard pull.


While none of us may be privvy to your overall profile, there's typically other internal reasons besides the income factor that Citi did not feel comfortable with a CLI.  It's also plausible they feel your current CL may be adequate in their eyes.  

 

And, as mentioned above and upthread, unless the language specified no CR pull, then the review is handled at the SP level. But, as far as the max CL on Double Cash, I've seen anywhere from $60K to $80K on those. 

Message 7 of 8
Valued Contributor

Re: Citi Bank CLI - HP :(


@FinStar wrote:

@CardNut wrote:

@Obscure-Expert wrote:

If you see this....

image.png

 

Then it's  a SP..... If you see 3 or more boxes asking for info then it's going to be a HP for sure and will state as much.

 

If your card isn't a legacy CITI product then it's usually a HP either way. 

 

Any CBNA / DSNB store / co-brand could be a HP as well depending on the product.


I went for a CLI last January for my DC card. Requested 10K increase from 40K to 50K. My last CLI on the card was November 2007. I thought since my income is up 40K since then,  I can get a CL more in line with 2019 and a higher income.

 

I was denied. Reason, income not high enough for an increase. Times are different.  Income up 40K, never missed a payment, no CLI in 12 years, not good enough. It may also be their top line is 40K for DC, who knows. 

 

It was a hard pull.


While none of us may be privvy to your overall profile, there's typically other internal reasons besides the income factor that Citi did not feel comfortable with a CLI.  It's also plausible they feel your current CL may be adequate in their eyes.  

 

And, as mentioned above and upthread, unless the language specified no CR pull, then the review is handled at the SP level. But, as far as the max CL on Double Cash, I've seen anywhere from $60K to $80K on those. 


Yeah, there could have been. I used the card a lot. Would average 2500/mo 5 years ago, and now about 700/mo. Haven't carried a balance with them since 2004.

Scores, HPs/24 mos. (updated 1/21/20):
    Experian FICO Score 8 = 850, 2/24
    TransUnion = 839, 0/24
    Equifax = 839, 0/24

Total 2019 rewards, incl. offers/deals = $1,709.07

2019 Spend:
    BCE: $4,039.50
    BoA Cash Rewards: $6,819.88
    Savor: $7,256.77
    CF: $3,104.62
    DC: $13,827.18
    Discover IT: $2,666.30
    Lowes: $147.59
    PNC Cash Rewards: $857.40
    Propel: $4,942.08
=================
Total Spend: $44,135.14

Avg. rewards rate, incl. offers/deals = 3.87%

Total CL: $244,500

Cards (hover over for CL & interest rate):
Message 8 of 8
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