Citi CLI Question...

Andy77 · ‎02-05-2014

I just filled out the form online that asked for my income, rent, etc. They approved me in like 30 mins for the 7k I asked for, (from 2k to 7k) but how do I know if they pulled my CR?

Also, my card is STILL a secured card...suppose to unsecure in April...I take it, they will hard pull me before it unsecurs, Right?

I also got an email that read...

Congratulations! We are pleased to approve your request for a higher credit limit on your account. Your new credit limit is $7000 and is already available for your use.

So did they pull my CR?

Thanks

ibmrad7 · ‎02-05-2014

Congrats :-)

When did you open this card? What CB does Citi pulls for CLI?

CreditMagic7 · ‎02-05-2014

Call them and don't be shy. They'll let you know immediately one or the other. That's what i done.

I'm a Citi believer after just only a few short months with them.

ibmrad7 · ‎02-05-2014

CreditMagic,

Did your request a CLI as well?

CreditMagic7 · ‎02-05-2014

Yes and the pull come from Experian. FYI i requested a little too soon IMO but needed relief from toyland SL, so no complaint mine required a HP.

Andy77 · ‎02-05-2014

I don't want to call them, just in case the CLI I got was a mistake. I have not heard of many people getting a CLI while their card was still secured.

So if I call they might take the CLI away, so I am just gonna lay low

370Z · ‎02-05-2014

Yes, an HP was done. SPs are done when the form clearly states that a credit report will not be pulled, but these are only for small increases (<1500) and not always available.

EQ8 817 (3/24) EQ9 850 (1/24) EX8 828 (4/24) EX9 848 (4/24) TU8 819 (3/24)
Chase_Hyatt|10k|15.24%|6/13 * Amex_Hilton|10k|13.99%|8/13 * Chase_IHG|10k|15.24%|1/14 * Chase_Ink$|12k|13.24%|5/14 * NFCU$|46k|9.65%|12/14 * Amex_ED|10k|12.99%|1/16 * Citi_Custom$|45k|15.24%|4/16 * Merrill+|68k|12.99%|2/17 * Amex_BB+|10k|15.24%|3/18 * PenFed_Pathfinder|29.4k|12.74%|9/18 * WF_Autograph|25k|16.99%|7/19 * AODFCU_VS|22k|7.49%|4/20 * Chase_Ritz_Carlton|48.5k|15.99%|10/21 * Amex_BB$|42k|13.24%|8/22 * Redstone_FCU_VS|10k|12.00%|6/23 * C1_VX|30k|14.74%|1/24
Gone: CSP, AA x3, Ink+, Premier, CSR, CFU, CF, AARP, Limitless

B335is · ‎02-05-2014

@370Z wrote:
Yes, an HP was done. SPs are done when the form clearly states that a credit report will not be pulled, but these are only for small increases (<1500) and not always available.

+1

You would know by the language used on the first CLI screen. One tells you a report is not needed and does not let you name an amount. The other, which it sounds like you had, gives Citi authorization to pull a report and you enter desired increase amount.

Andy77 · ‎02-05-2014

They had authoization to pull the report, but that does not mean they actually did.

I guess I can wait a few days and then check my Experian report (since that is the report they have always pulled for me) and see if an INQ shows up

gdale6 · ‎02-05-2014

Congrats on the CLI