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Citibank - CLI

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rtw
Established Contributor
‎07-31-2012 11:46 AM
‎07-31-2012 11:46 AM

Citibank - CLI

I was denied a CLI from Citibank 60 days ago. It was a soft pull. At the time my account was at 75% utilization. Currently my balance is $0 and my total utilization including all of my revolving accounts is at about 27%. Do you think I have a shot at getting the CLI? Current limit is $5000.


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
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jsickz32
Valued Contributor
‎07-31-2012 11:50 AM
‎07-31-2012 11:50 AM

Re: Citibank - CLI

what was the reason they denied you?
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
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rtw
Established Contributor
‎07-31-2012 11:53 AM
‎07-31-2012 11:53 AM

Re: Citibank - CLI

High credit utilization. It's my card with the lowest APR so I tend to carry a balance. Just paid it off today. Wasn't sure if I needed to wait for it to report to CRAs or if I could/should go ahead and request the CLI tomorrow. 


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
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jsickz32
Valued Contributor
‎07-31-2012 12:11 PM
‎07-31-2012 12:11 PM

Re: Citibank - CLI

When i ask for cli i just wait until payment clears and balance shows 0 with the card im gonna be asking for a cli. I mean its up to you if you wanna ask again since last time it was only a sp. Id ask again if it was me
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
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Anonymous
Not applicable
‎07-31-2012 01:18 PM
‎07-31-2012 01:18 PM

Re: Citibank - CLI

I'm really new to Citibank. Can someone tell me the CLI guidelines?

 

How long must someone wait before requesting a CLI?

 

Is it a soft or hard pull? (I've seen different answers to this.)

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cutemarty1
Regular Contributor
‎07-31-2012 02:12 PM
‎07-31-2012 02:12 PM

Re: Citibank - CLI

I've had CLI of 3 months in between soft pulls.  Latest one was denied --- 5 mos from last CLI. Will try it on the 6th month

My TL : Discover 45k / Venture 39k / BCE AMEX 33k / BoA123 Sig 24k / WF propel 17k/ Home Depot 16.5 K / Barclays Arrival WEMC 15k / Citi World WEMC 16.5k / CU Visa 11k/ Nordstrom Visa 20K / penfed rewards visa 20k / Citi AA 16.5k / spark business 15k/ Chase ink business 15k/ delta Amex platinum 14k/ boa rewards 7k /Macy Store 5.3K / Best buy 2.4K / BBRZ Gold 1.4K / PNC 20k / AppleCard 40k/ citi premier 12.7k / chase Amazon 7k
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trumpet-205
Valued Contributor
‎07-31-2012 02:15 PM
‎07-31-2012 02:15 PM

Re: Citibank - CLI

@Anonymous wrote:

I'm really new to Citibank. Can someone tell me the CLI guidelines?

 

How long must someone wait before requesting a CLI?

 

Is it a soft or hard pull? (I've seen different answers to this.)

6 payment histories (7 months) before requesting another CLI on previous sucessful CLI. When you first have the card you must wait for 7 months.

 

Usually Citi will counter offer your request if you asked too much. Only when you insisit on higher amount will Citi HP you. Phone based CLI always is HP.

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patternofstars7
Contributor
‎07-31-2012 02:16 PM
‎07-31-2012 02:16 PM

Re: Citibank - CLI

I asked for a CLI online at the 61 day mark for 3000 (initial credit limit 1500) and was approved with a soft pull. On the website when you press the luv button you agree to a hard pull but when I clicked it said I was approved with a soft pull. So I'm guessing it's all a game of luck if it's a soft or hard pull.

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Anonymous
Not applicable
‎07-31-2012 03:25 PM
‎07-31-2012 03:25 PM

Re: Citibank - CLI

CLI twice on my citi using the online form, always took the couter offer and never once hard pull. They always at least six months apart. 

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