I've had the Citi Double Cash card for a year a half, and have never been able lto get a CLI, or even a soft pull CLI request offer. What's the best strategy? Putting it in my sock drawer, using it a lot, neither?
@takeshi74 wrote:Don't rely solely on usage. It's never just about the one account. Your entire credit profile and income are the primary factors.
I'm aware of that, but as to usage which is more likely to attract a soft pull CLI offer? Playing hard to get? Or pretending I really like them? 
In my experience, Citi hasn't really been one of those banks that has required a lot of usage or activity to grant SP CLIs. I was regularly getting them on all of my Citi cards every six months until I hit my internal limit with them last year. I would have to agree with the assertion that credit history and income are the biggest determinants for CLIs.
But anyway, I am actually going to suggest your third option, 'neither.' You've made it very apparent in prior discussions that the Citi DC hasn't lived up to your expectations, and I really think you should just close the card at this point. Personally, I wouldn't keep any cards around that cause the kind of disappointment and frustration you have evidently experienced with the DC. That's just my view.
I SD'ed mine months ago. It will stay open until they close it. No big loss, bigger fish in the sea with less hoops IMO. It's pretty easy for them during AR to see usage of other CC's if you allow them to report.
I give my business to those lenders that give me a usable limit.
I give my business to those lenders that give me a usable limit.
@Sharingan wrote:In my experience, Citi hasn't really been one of those banks that has required a lot of usage or activity to grant SP CLIs. I was regularly getting them on all of my Citi cards every six months until I hit my internal limit with them last year. I would have to agree with the assertion that credit history and income are the biggest determinants for CLIs.
But anyway, I am actually going to suggest your third option, 'neither.' You've made it very apparent in prior discussions that the Citi DC hasn't lived up to your expectations, and I really think you should just close the card at this point. Personally, I wouldn't keep any cards around that cause the kind of disappointment and frustration you have evidently experienced with the DC. That's just my view.
Well I guess I must have overstated my 'frustration' I don't care that much whether it's a good card or not. I have lots of other cards.
I just think the DC is overrated. I'm more 'frustrated' with people saying it's such a great card, when IMHO it really isn't.
My question wasn't whether to close it or not. My question was which behavior pattern would be more likely to get me a CLI. Advising me to close it doesn't answer that question.
@kdm31091 wrote:
Sharingan has a point. You seem very unhappy with the DC for many reasons you've mentioned before. Perhaps just move on and close it?
I don't mind having it, and I will like it more when the credit limit is more substantial. I was just asking which behavior is more likely to attract favorable CLI attention.
@Gmood1 wrote:
I SD'ed mine months ago. It will stay open until they close it. No big loss, bigger fish in the sea with less hoops IMO. It's pretty easy for them during AR to see usage of other CC's if you allow them to report.
I give my business to those lenders that give me a usable limit.
Good philosophy