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Citi Secured Graduation CLI?

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Senior Contributor

Re: Citi Secured Graduation CLI?


@1CreditEd wrote:

Good call FinStar 

 

Last night I got this..

""

Card Image
Citi® Diamond Preferred® Card XXXX

You have $200.00 of available credit.

Your Available Offer

10.99% 
Promo APR 
until 3/1/2021
After that 
24.74% 
Variable APR 
applies
on Balance Transfers including 
direct deposits

 

Your fee for this offer is 0% ($0)

Otherwise your standard balance transfer fee is 3% (min $5)

"""""

 

My card turned black, cool, but really a 10.99% BT offer on a $200 CL?

Must be a joke.. 


Yay! Now you can start checking for SP CLI.

American Express: Platinum Charge, Optima, Business Gold
Barclays: Arrival+ WEMC
Capital One: Savor WMC, Venture VS
Chase: Freedom U VS, CSR VI
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity VS
Credit Union: Rewards Visa
FICO 08: (9.3.19) EX: 824 / EQ: 834 / TU: 832
Message 11 of 22
Regular Contributor

Re: Citi Secured Graduation CLI?

Got the check, deposited. Got the card, activated. CLI button came back, SP, hit it and got from $200 to $450.. 

 

How often can I push that button? Whwnever it sais "We will not obtain a credit bureau report to evaluate your request"

OK I look and it still says "We will not obtain a credit bureau report to evaluate your request".

 

Hit it again, $700!

Hit it again $1,200!

 

Holy crap! Is this bad? Should I keep hitting it?

 

Message 12 of 22
Regular Contributor

Re: Citi Secured Graduation CLI?

OMG I kept pushing the button till it is over $10k !!!

 

$10k!!!

$10k!!!

 

I'm stopping pushing the button for now because I'm scared a whammy is coming...

$10k is AMAZING I hope it stays and doesn't screw me somehow..

Message 13 of 22
Senior Contributor

Re: Citi Secured Graduation CLI?


@1CreditEd wrote:

OMG I kept pushing the button till it is over $10k !!!

 

$10k!!!

$10k!!!

 

I'm stopping pushing the button for now because I'm scared a whammy is coming...

$10k is AMAZING I hope it stays and doesn't screw me somehow..


Wow! Congrats.

 

Usually Citi allows CLI every 6 months.

 

 

American Express: Platinum Charge, Optima, Business Gold
Barclays: Arrival+ WEMC
Capital One: Savor WMC, Venture VS
Chase: Freedom U VS, CSR VI
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity VS
Credit Union: Rewards Visa
FICO 08: (9.3.19) EX: 824 / EQ: 834 / TU: 832
Message 14 of 22
Community Leader
Senior Contributor

Re: Citi Secured Graduation CLI?

When your card turns into a diamond pref (Black) its usually a good indicator that its unsecured/unsecuring...

Citi Secured usually turns into Diamond Pref at graduation.....

 

Congratulations on both the finished graduation (check in hand) and the CLI...

Any HPs for hitting the CLI button multiple times though?

 

-J

 

 

 

 

Message 15 of 22
Regular Contributor

Re: Citi Secured Graduation CLI?

No HPs

Message 16 of 22
Member

Re: Citi Secured Graduation CLI?

No way!! Congratulations!! You hit the CLI jackpot!! How did you figure out your account maturation date?
Message 17 of 22
Senior Contributor

Re: Citi Secured Graduation CLI?


@FLTXBA wrote:
No way!! Congratulations!! You hit the CLI jackpot!! How did you figure out your account maturation date?

PERFECT timing on the graduation - get in on that sweet SP CLI glitch!

And as for the account maturation:  When you apply they maturation date is in the paperwork they send you, but the policy is that it is eligible for graduation at 18 months, however, there have been some stories of early graduation at 12 months.
I believe (I'll have to look again) that Citi's autograduation is sometimes preceded by an HP by them.

Nov 2019


Garden goal: keep on keepin' on
Usually a faithful practitioner of AZE5or6or7; working on AZE1or2 and grumbling about it.
Message 18 of 22
Regular Contributor

Re: Citi Secured Graduation CLI?

I think I might be the one that FOUND the CLI thing.. 

Message 19 of 22
Member

Re: Citi Secured Graduation CLI?

Thank you, I just checked my member benefits page and the verbiage is “within 18 months account is eligible for graduation “ which explains the people who got one at 12 months
Message 20 of 22
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