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Citi SP Verbiage | where at?

Established Contributor

Citi SP Verbiage | where at?

While doing searches on the forum looking for info related to Citi SP CLI, I see “SP verbiage” mentioned many times. Where do I find that in my Citi acct?

Thanks!


Edit: account is over 2 yrs old & never had a CLI.
myFICO




Message 1 of 19
18 REPLIES
Established Contributor

Re: Citi SP Verbiage | where at?

Go to Services > Credit Card Services > Request a Credit Limit Increase

 

For a SP CLI, you should see a message that says, "It's easy to find out if you qualify for a credit limit increase. A credit bureau report will not be requested and you will receive an instant decision."

BofA | Barclays | Cap One | Chase | Citi | Discover | PenFed | Synchrony (Lowe's, Amazon & PayPal 2% MC) | US Bank
Message 2 of 19
Established Contributor

Re: Citi SP Verbiage | where at?

It will show when your click the credit limit increase button. The verbage will state if they need to do a hard pull or not.

 

SP verbage

"It's easy to find out if you qualify for a credit limit increase. A credit bureau report will not be requested and you will receive an instant decision."

 

HP verbage 

"By clicking "Continue" you understand that we will obtain a credit bureau report to evaluate your request. Our credit department will notify you of our decision or let you know if we need more information."

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Message 3 of 19
Established Contributor

Re: Citi SP Verbiage | where at?


@Peteyglad wrote:

 

 

HP verbage 

"By clicking "Continue" you understand that we will obtain a credit bureau report to evaluate your request. Our credit department will notify you of our decision or let you know if we need more information."


I have a slight variation, but it's under my business account. It doesn't say "will" but "may" so I'm just waiting a little longer till it changes -hopefully- to the SP language.

 

"By clicking "Continue" you understand that we may obtain a credit bureau report for you and the business to evaluate your request. Our credit department will notify you of our decision or let you know if we need more information."

BofA | Barclays | Cap One | Chase | Citi | Discover | PenFed | Synchrony (Lowe's, Amazon & PayPal 2% MC) | US Bank
Message 4 of 19
Community Leader
Super Contributor

Re: Citi SP Verbiage | where at?

Who dat? Who dere? Smiley Wink

What is a sp cli from Citi?

Average say what?
Message 5 of 19
Frequent Contributor

Re: Citi SP Verbiage | where at?


@imaximous wrote:

@Peteyglad wrote:

 

 

HP verbage 

"By clicking "Continue" you understand that we will obtain a credit bureau report to evaluate your request. Our credit department will notify you of our decision or let you know if we need more information."


I have a slight variation, but it's under my business account. It doesn't say "will" but "may" so I'm just waiting a little longer till it changes -hopefully- to the SP language.

 

"By clicking "Continue" you understand that we may obtain a credit bureau report for you and the business to evaluate your request. Our credit department will notify you of our decision or let you know if we need more information."


Probably a template just specific to the business accounts since it mentions "and the business". Personal accounts show as "will obtain" for the HP

citi-aa.png

Message 6 of 19
Established Contributor

Re: Citi SP Verbiage | where at?

Just to add more info & data points:

 

The SP language did not materialize on my page until my account was about 9 months old.

Many report 1+ year. (It might not show if your account is young)

For my CC, and maybe all of the Citi Cards if you receive a CL increase you can not get another for 6 months.

 

For many the SP language is always visible, giving you false hope. 

For Citi you need to keep records of when your last CL was received.

Don't bother hitting the love button every other month.

 

 

  
Fico Scores 840 . . . AAoA = 8 yrs . . . AoOA = 22 yrs . . . Garden (18) . . . * Credit Limits Capped *
Message 7 of 19
Established Contributor

Re: Citi SP Verbiage | where at?

Thank you all for sharing. I confirmed in the Citi iOS mobile app that it will be a SP for me.

Not clicking the love button until the accounts I PIF are reflected on my 3B. ETA on that is next week.
myFICO




Message 8 of 19
Valued Contributor

Re: Citi SP Verbiage | where at?

As with most things related to credit, YEMV.

 

I opened a Citi Double Cash card on 4/30/18 and first noticed the soft pull CLI language on 7/3/18.  Its possible that it had been there for a few days and I hadn't noticed, but just over 2 months after opening the account I was able to get a soft pull CLI.  Several others have reported getting their first soft pull CLI at 3 months.  In any event, its strictly 6 months after the first CLI for any subsequent increases.

 

Screen Shot 2018-07-18 at 6.14.44 PM.png

 

 





Message 9 of 19
Moderator

Re: Citi SP Verbiage | where at?


@Kforce wrote:

Just to add more info & data points:

 

The SP language did not materialize on my page until my account was about 9 months old.

Many report 1+ year. (It might not show if your account is young)

For my CC, and maybe all of the Citi Cards if you receive a CL increase you can not get another for 6 months.

 

For many the SP language is always visible, giving you false hope. 

For Citi you need to keep records of when your last CL was received.

Don't bother hitting the love button every other month.

 

 


SP language appeared on both of my accounts around the 2 month mark and both were granted.  Correct, all Citi cards require 6 calendar months between credit line increases; asking too early does not reset the clock but as you said you can get false hope when you see it.  (If you go to the Statements pages and click Documents you'll be able to see denial letters the following day.  I've jumped the gun too early a lot of times.)  If you are granted a SP increase, you CAN immediately take a HP for a larger increase without waiting 6 months.


Message 10 of 19