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Citi DC CLI?

Frequent Contributor

Re: Citi DC CLI?


jfriend33 wrote:

Does being denied for a citi HP cli reset the 6 month timer?


To the best of my knowledge, no.  I know that getting denied a SP request does not reset the 6 month timer, so I'm assuming denial on a HP would not reset it.  The verbage they always use is '6 months between increases"

TU 792 3/5/16 - 6 inquires
EQ 829 (Bankcard 08, score out of 900) 2/21/16 - 3 inquiries
EX 807 2/25/16 - 3 inquires

Discover IT 46K == Amex BCE 24K == Citi Double 20.9K == Chase Freedom 3.5K == Ring 22k == USAA Rate Advantage (8.4%) 17K == US Bank Cash+ 7.5K == BOA BBR 8K
Message 11 of 51
Frequent Contributor

Re: Citi DC CLI?


CreditSnorlax wrote:
Does the SP offer come 6 months after open date or on the 6th statement? It took me a while to make a purchase so I'll be 6-mo-old next month but my 6th statement won't be until Nov. It should be next month for me, right? Edit: lol this was the original question from OP. Clarification would be great!

FYI- Well I tried today... deniedSmiley Sad I will try again after my 6th statement cuts.

Message 12 of 51
Senior Contributor

Re: Citi DC CLI?


mooshi123 wrote:

CreditSnorlax wrote:
Does the SP offer come 6 months after open date or on the 6th statement? It took me a while to make a purchase so I'll be 6-mo-old next month but my 6th statement won't be until Nov. It should be next month for me, right? Edit: lol this was the original question from OP. Clarification would be great!

FYI- Well I tried today... deniedSmiley Sad I will try again after my 6th statement cuts.


Sorry. What was/were the denial reason(s)? Is your card 6 months old yet? I just saw your othe post.

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Message 13 of 51
Senior Contributor

Re: Citi DC CLI?

Citi credit cards are eligible for CLIs every 6 months, but it's not a guarantee you will get one. Lately, I've noticed people being denied for too many inquiries. Does it mean they have become inquiry sensitive or are they tightening the belt? Idk. I'm sure others will chime in with their opinions. 

 

If there is a specific credit limit you want with Citi, I suggest taking a HP to get it. Aim high, they will counter if you're not eligible for the limit you requested. Please make sure that your credit profile and income are inline with the credit you seek. 

 

Good luck everyoneSmiley Happy!

Gardening since 10/01/18 Gardenversary 10/01/20 Score: xx/xx/xx EQ xxx TU xxx EXP xxx
Current Score: 781
Goal Score: 800
Take the myFICO Fitness Challenge
Message 14 of 51
Senior Contributor

Re: Citi DC CLI?


SMikulski49 wrote:

it has been lil over 6 months since I got my DC card and I tried to do it today but was denied haha. It says I have the max limit and they will have to do a HP and review my profile to consider me for me. My current limit is 24K, was wondering if anyone else got that message. 


I have received this message. I continued to pay on my BT (Simplicity) and after a few months submitted a CLI and was approved. I took a HP to ask for the limit I wanted. I did the same for the DC. Simplicity & DC are the only credit products I have with Citi.

Gardening since 10/01/18 Gardenversary 10/01/20 Score: xx/xx/xx EQ xxx TU xxx EXP xxx
Current Score: 781
Goal Score: 800
Take the myFICO Fitness Challenge
Message 15 of 51
Senior Contributor

Re: Citi DC CLI?


CreditSnorlax wrote:

SMikulski49 wrote:

it has been lil over 6 months since I got my DC card and I tried to do it today but was denied haha. It says I have the max limit and they will have to do a HP and review my profile to consider me for me. My current limit is 24K, was wondering if anyone else got that message. 


That is a monstrous limit for the DC. I would not expect any more CL on it. Most of us with 730-750 are hovering at the 4000-7000 SL area, for reference.

If SM's credit profile and income support it, he/she could get a higher credit limit. If he/she has other credit cards with Citi, it could also impact their decision. 

Gardening since 10/01/18 Gardenversary 10/01/20 Score: xx/xx/xx EQ xxx TU xxx EXP xxx
Current Score: 781
Goal Score: 800
Take the myFICO Fitness Challenge
Message 16 of 51
Senior Contributor

Re: Citi DC CLI?


SMikulski49 wrote:

it has been lil over 6 months since I got my DC card and I tried to do it today but was denied haha. It says I have the max limit and they will have to do a HP and review my profile to consider me for me. My current limit is 24K, was wondering if anyone else got that message. 


Do you have other credit products with Citi? If yes, what is your total exposure with them?

Gardening since 10/01/18 Gardenversary 10/01/20 Score: xx/xx/xx EQ xxx TU xxx EXP xxx
Current Score: 781
Goal Score: 800
Take the myFICO Fitness Challenge
Message 17 of 51
Frequent Contributor

Re: Citi DC CLI?


beautifulblaquepearl wrote:

mooshi123 wrote:

CreditSnorlax wrote:
Does the SP offer come 6 months after open date or on the 6th statement? It took me a while to make a purchase so I'll be 6-mo-old next month but my 6th statement won't be until Nov. It should be next month for me, right? Edit: lol this was the original question from OP. Clarification would be great!

FYI- Well I tried today... deniedSmiley Sad I will try again after my 6th statement cuts.


Sorry. What was/were the denial reason(s)? Is your card 6 months old yet?


My card is 6 mos. old, but 6 statements haven't cut yet. Waiting to get the message alert so I can see the denial reason. Probably too many new accounts.

Message 18 of 51
Senior Contributor

Re: Citi DC CLI?


mooshi123 wrote:

beautifulblaquepearl wrote:

mooshi123 wrote:

CreditSnorlax wrote:
Does the SP offer come 6 months after open date or on the 6th statement? It took me a while to make a purchase so I'll be 6-mo-old next month but my 6th statement won't be until Nov. It should be next month for me, right? Edit: lol this was the original question from OP. Clarification would be great!

FYI- Well I tried today... deniedSmiley Sad I will try again after my 6th statement cuts.


Sorry. What was/were the denial reason(s)? Is your card 6 months old yet?


My card is 6 mos. old, but 6 statements haven't cut yet. Waiting to get the message alert so I can see the denial reason. Probably too many new accounts.


From my understanding 6 months is 6 months with Citi. It doesn't matter about the number of statements. With companies that have 6 month timeframes, I don't usually submit my request on the exact day. I usually wait 3-5 days. I'm not saying this has anything to do with why you were denied. It's just the way I like to handle my credit profile. 

 

Again, sorry you were denied. Please come back and update your thread with the denial reason(s).

Gardening since 10/01/18 Gardenversary 10/01/20 Score: xx/xx/xx EQ xxx TU xxx EXP xxx
Current Score: 781
Goal Score: 800
Take the myFICO Fitness Challenge
Message 19 of 51
Frequent Contributor

Re: Citi DC CLI?

When we do have the SP offer, where would we see it on the account page after login?


Total CL $123k | #TeamPIF | FICO Jul17: EQ 712 | TU 732 | EX 732 | AAoA: 11 months
Message 20 of 51