Citi CLI Questions

[Matt9543]

I've seen multiple posts about Citi CLI's and them mainly being soft pulls. But if I were to just go ahead and do a hard pull for a CLI with Citi, what bureu would be pulled?

[kdm31091]

IME, for these requests they pull EQ but it probably depends on location. Citi does like EQ though. I'm in DE.

[credit_is_crack]

Citi does favor EQ but as mentioned it’s a loose guess. I would seriously consider waiting though. Citi is not a bank that will let you rush into higher limits, even with a HP. You’d essentially be asking for their regular $1,500-$3,000 SP CLI in advance, at least that’s how look at it. It’s not worth the HP in my opinion

[kilroy8]

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@credit_is_crack wrote:
Citi does favor EQ but as mentioned it’s a loose guess. I would seriously consider waiting though. Citi is not a bank that will let you rush into higher limits, even with a HP. You’d essentially be asking for their regular $1,500-$3,000 SP CLI in advance, at least that’s how look at it. It’s not worth the HP in my opinion

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+1

This matches my experience with Citi.

[Matt9543]

I actually went through and tried again for another one just to see what they would say and they approved me for an increase. Last time they said I needed to have a hard pull done but this time it was an instantaneous approval for an increase. I usually don’t try to do Hard Pulls, but was curious in case I ever needed to.

[AverageJoesCredit]

Citi is also known to double pull though on cli most likely single Eq or Ex. Very rare TU

Congrats Matt on your sp cli

[credit_is_crack]

Congrats on the CLI!!

[Winesnoblv]

I had a soft pull cli from Citi, but a hp of EX when I applied.  I am in Nevada.

[Matt9543]

Thank you! 

Now, I'm curious as well that since I've hit above the $5,000 limit, is there a chance of my card moving to a World Elite Card? It would really just be for show if I'm being honest since I believe it really doesn't get as many benefits now as it did before.

[Anonymous]

I did a Citi DC CLI in January. My CL with Citi has been 40K since 2008. I figured it was time for one to bring it up to 2019 dollars. It was declined. The result was a hard pull on Experian only. Tiny effect on my score, but I have a thick file.