I submitted 3 apps today and...

[Anonymous]

I applied to three places and look at what I got with current scores at 88%UTL

Best buy $700

Kays $2800

I requested a citi CLI from my current $500.00 and got declined!?

I do not understand why citi sucks so bad, or what I have to do for a CLI, but I am ticked.

I have only had credit for 8 months now, BTW.

[champ02]

Congrats!  Thou I would be very careful applying for new credit these days.... Seems that some CCC are using that as a justification to CLD or close existing accounts!

[score_building]

congrats!

new accts. and high util don't bode well for cli requests.

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@Anonymous wrote:

I applied to three places and look at what I got with current scores at 88%UTL

Best buy $700

Kays $2800

I requested a citi CLI from my current $500.00 and got declined!?

I do not understand why citi sucks so bad, or what I have to do for a CLI, but I am ticked.

I have only had credit for 8 months now, BTW.

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[laz98]

congrats!  did you get the best buy store card or the rewards mastercard?

[Anonymous]

8 month old credit at 88% utl. Boy that citi are hard asses. LOL

[marty56]

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@Anonymous wrote:
8 month old credit at 88% utl. Boy that citi are hard asses. LOL

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I dont think I was that bad when first I started my CC reign of terror.

Seriously the OP needs to stop apping and pay down the balances to 9% or better and not apply or ask for a CLI for a year.

Not a good time to go adventuring with CC apps, espcially store cards.

[Anonymous]

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@Anonymous wrote:

I applied to three places and look at what I got with current scores at 88%UTL

Best buy $700

Kays $2800

I requested a citi CLI from my current $500.00 and got declined!?

I do not understand why citi sucks so bad, or what I have to do for a CLI, but I am ticked.

I have only had credit for 8 months now, BTW.

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In regards to Citi, in my experience, you aren't going to get a CLI from them until you get your util down.  I had about 95% util on one of my Citi cards from May 06 to June 08 where I did make the minimum payments, so the util was going down, but not by much.  In late 2007 or early 2008 I requested a CLI online and continually got the form, form = hard, so I never filled out the form.  When I got my util down to about  16-22% and I requested the CLI I got an automatic $1500 CLI. 

So get your util down and then try it again.

[Anonymous]

I got the store card from best buy, and yea, citi are hard asses, but I am on the phone with them again raising hell about this tiny card limit they have me on. I want a bump to 1k, for now, and thats it!! GEEZ!

[Anonymous]

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@Anonymous wrote:
I got the store card from best buy, and yea, citi are hard asses, but I am on the phone with them again raising hell about this tiny card limit they have me on. I want a bump to 1k, for now, and thats it!! GEEZ!

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I don't think that you'll get it. For one thing, Citi is supposed to be a VERY conservative lender. 88% utilization AND only 8 months of good tradelines? Even if you threaten to close your account, you'll get no love -- unless the rest of your credit file is PERFECT. I.e., 0% utilization on all other cards -- and those cards being at least a 1 year old.

Again, Citi seems to be a VERY conservative lender. In calling and making a stink over a NEW TL's CLI, I think you're not only killing the golden goose, but you're torturing it first, too.

And remember, Citi doesn't HAVE to give you doodly-squat. Having that attitude with any CC isn't going to help.

[jbh]

Few people who only have credit for 8 months get cli's. Usually it takes 6 months with a company before they consider one. They are generous but you must be patient. By creating new accounts and demanding a cli, it makes you look desperate in their eyes and you will present yourself as a riskier candidate.