Citi CLI

[Anonymous]

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@kdm31091 wrote:

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@Anonymous wrote:

I asked for CLI before the first statement. Have a decline and was told to wait 6 month.

Is there any way to CLI earlier?

My potential spending on this card could hit 50% utilization rate.

Some details: TU 749 (Sep) EQ 751 (Aug) EX 757 (Aug)

Citi DC CL is 6500

Total CL is 73000

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Only option is to take another HP.

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Yep. Join the club! Might be worth it, might not.

[Anonymous]

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@Anonymous wrote:

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@kdm31091 wrote:

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@Anonymous wrote:

I asked for CLI before the first statement. Have a decline and was told to wait 6 month.

Is there any way to CLI earlier?

My potential spending on this card could hit 50% utilization rate.

Some details: TU 749 (Sep) EQ 751 (Aug) EX 757 (Aug)

Citi DC CL is 6500

Total CL is 73000

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Only option is to take another HP.

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Yep. Join the club! Might be worth it, might not.

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Citibank usually sticks to the 6 month rule. You can try and request another CLI in a month or so, but it will probably be a HP. When I got my DC I wasn't successful in receiving a CLI at activation. I tried about a month or so after and my CL went from $2600 to 8K. Citibank has always been generous to me with CLIs. My CLIs are always HPs.

If you have to take a HP, then reach for the stars. Best of luck!

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@akula wrote:
Citi is 6 months between cli via SP

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Right, but my point is I've never had a SP CLI. Does the 6 months count from a HP CLI as well? And if so, would my HP be on the TYP where it originated or the DC where the credit ended up? 

I suppose if there's no clock resetting like AmEx, I just try on both for now if the SP is avail. But I'm curious if I should be eligible. 

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Tried on the DC. SP Avail but denied due to too many newly opened accounts. I'm okay with that. 

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Sorry you were denied. Every 6 months your account is eligible for a CLI.

[Anonymous]

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@beautifulblaquepearl wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@akula wrote:
Citi is 6 months between cli via SP

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Right, but my point is I've never had a SP CLI. Does the 6 months count from a HP CLI as well? And if so, would my HP be on the TYP where it originated or the DC where the credit ended up? 

I suppose if there's no clock resetting like AmEx, I just try on both for now if the SP is avail. But I'm curious if I should be eligible. 

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Tried on the DC. SP Avail but denied due to too many newly opened accounts. I'm okay with that. 

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Sorry you were denied. Every 6 months your account is eligible for a CLI.

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Good to know...

[Anonymous]

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@Anonymous wrote:

I asked for CLI before the first statement. Have a decline and was told to wait 6 month.

Is there any way to CLI earlier?

My potential spending on this card could hit 50% utilization rate.

Some details: TU 749 (Sep) EQ 751 (Aug) EX 757 (Aug)

Citi DC CL is 6500

Total CL is 73000

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Citibank has never had an issue with me using more than 50% of my CL. My Simplicity always has a balance on it. 

Data point:

current balance on Simplicity 18k; CL is 20k.

minimum payment $294; I pay $200 every week.

I use my DC every month too for general spend non category items. I always PIF even though it's still in an introductory period. All other credit cards generally report a $0 balance. I hope this helps. See you around the forum!

[Anonymous]

Thanks a lot. Another HP right now or 6 month later are obvious options. And I do not afraid of HPs and CS fluctuations.

I just wondered if there are some hidden options. Like kipping utilization ratio on this particular card low or high or zero... to improve chances for CLI.