Is there any reason to deny a CLI that is offered to you?

[loviedovie]

I just asked if Citi could increase the limit on my student account since I have graduated and am now employed earning income. The rep asked what kind of increase I wanted and I said, I dunno... 5k? Whatever you can do without a hard pull. He asked all of his questions (income, etc.) and came back with 3,300. He said I might get the 5k if I let them do the hard pull but that was the best he could do with a SP. He said it was up to me if I wanted to take it...

An increase is an increase, right? Is there any reason I would not want to take it?

[loviedovie]

(original was 2k, opened about 7 months ago)

[09Lexie]

I can't see why you would deny a sp CLI.

[B335is]

Def take it.  Any time you can avoid a HP for an increase is a good thing.

[takeshi74]

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@loviedovie wrote:
Is there any reason I would not want to take it?

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That's really something you'd have to tell us.  Why did you want the CLI?

The only reason I can think of is if someone knows that they can't manage the additional credit.

[longtimelurker]

Another reason not to take it might be if you expected your income to rise a lot in the near future (I know it just has) and if the issuer has a limit on how often you can get a CLI, taking one now may mean a delay in getting the big one you want.  But even then a smaller increase for longer might be worth it, so yes, take it!