Citibank CLI question

[pat0812]

I have applied for citibank simplicity card over a year know and received $10,500

After a year what CLI could I get with them.

My FICO is about 759 with experian

My Uti is 8%

I have a balance with CITI of about $1,500, should I pay it off or is ok to have low balance with them ?

From personal experience can somebody tell me what CLI I can expect from CITI if my initial limit was $10,500 and my credit improved this year by reducing my UTI and my accounts having older age and also I haven't made any inquiry this year since opening that CITI card over a year ago

[Anonymous]

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@pat0812 wrote:

I have applied for citibank simplicity card over a year know and received $10,500

After a year what CLI could I get with them.

My FICO is about 759 with experian

My Uti is 8%

I have a balance with CITI of about $1,500, should I pay it off or is ok to have low balance with them ?

From personal experience can somebody tell me what CLI I can expect from CITI if my initial limit was $10,500 and my credit improved this year by reducing my UTI and my accounts having older age and also I haven't made any inquiry this year since opening that CITI card over a year ago

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It all depends on your profile, usage, internal scoring...no one can give a good estimate. If you are eligible for a SP CLI then it will tell you. If you want more, then reach for the stars and they will counter if need be. This will result in a HP however. All my SP increases have been in the range of $1500-$2000 but everyone is different.

[pat0812]

Does CITIBANK make a new SP when your request CLI or are they using the last SP they have on file ?

[Anonymous]

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@pat0812 wrote:

Does CITIBANK make a new SP when your request CLI or are they using the last SP they have on file ?

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That I'm not sure of...I don't look at SP all that much...I am curious now!