Citi CLI

[Anonymous]

I used to be able to click the CLI button and many times be instantly approved. Now for a long time, at least a year easy, I can't get an increase without filling out the information. During this time I made a large purchase and am about to finally pay it off in the next month. Do you think it is because I have been carrying a balance for awhile or what? Any way I can get an increase without filling out the information. I called customer service and they wanted me to fill it out too. Really don't want a hard pull (i think citi does hard pull) on my credit report.

[Anonymous]

From what has been posted here, when Citi asks for a form, it means a hard inq. You might want to avoid that at all costs.

From what I've also read, Citi will decline a CLI request for carrying large balances with them. I would wait until you paid it off before asking CLI.

The positive side to this is that Citi LOVES usage. So you also stand a good chance of demonstrating good usage history with them.

[Anonymous]

I get a CLI every month by clicking the CLI button. I've been carrying a fairly large balance since the card was opened about a year ago. They have been VERY good to me. BofA is the complete opposite for me though.

I've never filled out the form with citi. Just clicked every ~30 days and it's usually an instant ~$1800 or so.

[Anonymous]

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@Anonymous wrote:

I get a CLI every month by clicking the CLI button. I've been carrying a fairly large balance since the card was opened about a year ago. They have been VERY good to me. BofA is the complete opposite for me though.

I've never filled out the form with citi. Just clicked every ~30 days and it's usually an instant ~$1800 or so.

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How long have you had the card for?

[Anonymous]

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@Anonymous wrote:

I get a CLI every month by clicking the CLI button. I've been carrying a fairly large balance since the card was opened about a year ago. They have been VERY good to me. BofA is the complete opposite for me though.

I've never filled out the form with citi. Just clicked every ~30 days and it's usually an instant ~$1800 or so.

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And what is your limit, if you don't mind me asking. I've had my card for four years.

[Anonymous]

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@Anonymous wrote:
From what has been posted here, when Citi asks for a form, it means a hard inq. You might want to avoid that at all costs.

From what I've also read, Citi will decline a CLI request for carrying large balances with them. I would wait until you paid it off before asking CLI.

The positive side to this is that Citi LOVES usage. So you also stand a good chance of demonstrating good usage history with them.

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Well right now I only have 1 inquiry on my credit report from a BoA card I just received a week ago. My plan is to pay off my Citi and ask for a CLI on both cards around September. Right now my util on my Citi is about 14%. At one point a long time ago it was at a good 75% or so. If they ask me to fill out the form at that time I might just take the hard pull, I'm not sure. Can recon's be done with credit limit increases also instead of just approval on cards? I would try that too.

[Anonymous]

The card was opened about a year ago and the current CL is $9k.

[Anonymous]

Oh. My CL is 11k and I really wanted it raised to 15k but anytime I hit the button it wants a form filled out. I'm hoping when my balance is paid they will just raise me.

[smallfry]

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@Anonymous wrote:

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@Anonymous wrote:
From what has been posted here, when Citi asks for a form, it means a hard inq. You might want to avoid that at all costs.

From what I've also read, Citi will decline a CLI request for carrying large balances with them. I would wait until you paid it off before asking CLI.

The positive side to this is that Citi LOVES usage. So you also stand a good chance of demonstrating good usage history with them.

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Well right now I only have 1 inquiry on my credit report from a BoA card I just received a week ago. My plan is to pay off my Citi and ask for a CLI on both cards around September. Right now my util on my Citi is about 14%. At one point a long time ago it was at a good 75% or so. If they ask me to fill out the form at that time I might just take the hard pull, I'm not sure. Can recon's be done with credit limit increases also instead of just approval on cards? I would try that too.

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Yeah you can recon a CLI request denial.

[Anonymous]

Just be prepared to explain why you have hit the luv button so much. Explain why you need/want more credit. If you have a card with a higher line then say so and say that you like Citi but your current CL makes it hard for you to make them your number 1 card.

Goodluck!