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Citi is strange

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Anonymous
Not applicable

Citi is strange

I have two prime cards from Citi. A Diamond Preferred opened in 2010 that I PC'd to a Double Cash, and a Thank You Preferred I opened in 2013. The Thank You card limit has went up several times through auto CLIs and SP CLIs I initiated. I think the original limit on my TYP was $1.5k. It is now at $9k. The Double Cash (formerly Diamond Preferred) has been a totally different story. The original CL on this card was $2k when I opened it. It never had any auto CLIs, and I have only gotten one SP CLI which put it at a $3.6k limit.

 

I tried another SP CLI last night and got denied. Any idea why the newer card is growing, and the older DC has been pratically stagnant for 6 years? I'm thinking about closing it. Waiting for $20 before you can redeem your cash back is kinda lame.

Message 1 of 4
3 REPLIES 3
Mantis350
Regular Contributor

Re: Citi is strange

Citi is a mystery sometimes.  On Sunday I tried for a SP CLI and was declined.  On Monday, I tried again entering the exact same info and was approved for a $1,200 increase.  Just baffles me sometimes how the computer algorithms work at these companies. 

PenFed Rewards Visa Sig-$14,000 | BofA Plat Visa-$12,500 | Discover IT-$11,000 | NASA-$7,500 | WF Cash Rewards Visa-$6,800 | BofA Cash Rewards Visa Sig-$6,500 | Barclay Rewards MC-$6,000 | Cap1 QS Visa Sig-$5,750 | Citi DC-$5,500 | Cap1 Venture 1-$4,500 | Cap1 QS-$3,400 | Chase Freedom-$3,400 | AMEX BCE-$2,000 | Lowes-$15,000 | Home Depot-$5,000
|Current Score(2/19/2016)|| 709 EQ || 734 TU || 729 EXP ||
Message 2 of 4
Anonymous
Not applicable

Re: Citi is strange

You are receiving CLIs with Citi in general, so they are indicating that you have creditworthiness.

 

I would just make sure that you didn't opt-out of auto CLIs on DC. Otherwise, they are giving you increases, its just not the specific account you want. Maybe consider moving some of the credit lines around?

Message 3 of 4
Anonymous
Not applicable

Re: Citi is strange

Citi can combine credit limits now? I thought last time I searched about that on here, it wasn't an option with them. I'll research some more.

Message 4 of 4
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