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Issues moving Citi CL / Simplicity App. Escalated issue / 2nd HP req

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vpae
Established Contributor

Issues moving Citi CL / Simplicity App. Escalated issue / 2nd HP req

Wanted to share my experience and provide some data points around applying for the Citi Simplicity and having Citi move my credit lines around.

 

Existing Citi Cards:

Citi Dividend - $6300

Citi Hilton HHonors Reserve - $15000

Citi ThankYou Preferred - $10000

Total CL: $31,300

 

Two BB Cards that were moved from Capital One:

Best Buy Store Card

Best Buy MC 

Total CL: $12,705

 

I applied for the Simplicity online and while it appears I was approved, they needed more info. I called and spoke with someone and said Citi has reached it's limits that they can extend to me so I have a few options. I can open this card at $2500 or I can open it with $7400 by moving some of the available CL from one of my other cards. I asked if she can move more of my CL than that and she said she cannot, but I can call in when I get my card and speak with a CSR to do so. I said fine. Move it, open it for $7400 and I'll call.

 

I get the card and I call the number on the back and asked to have my CL moved. The CSR I spoke with treats it as a CLI request and asks me the typical questions. I clarify that I did not want my credit pull and I wanted to move existing CL from one Citi card to another. She said yes, but she has to transfer me to someone that can do that and will require this information. I said can I speak to that person directly, and she said no, not without submitting this request. So I asked her if I get to speak to the other person first before proceeding, she said yes. I gave her my info and she transfers me. I get to this other CSR who handles CLs and she said, so you're interested in a CLI. I said no... and re-explained my case. She said we don't move CL from card to card. I told her that's not what I was told by 2 different people, once just now, and once during new account opening. She said they can only do that during new account opening and I told her that they wouldn't do any more but told me to call in. I said well, forget it, I don't want an HP. She said she already has a copy, when the first CSR fills out the request to transfer me it automatically does the HP. I said ok, well you already took the HP, try for the CLI. She comes back and said sorry, we cannot approve you for any more limit.

 

I just about lost it here... and asked for a supervisor. She transfers me to a general CSR supervisor. I explained my case and he gave me 2 options. He said he can put in the request to have my CL moved and it shouldn't be an issue but it will require an HP.  I said, another? He said no, just the one already done. OR, he could submit to have my HP cancelled/removed since I did not authorize it. I really wanted my Simplicity to have a larger CL for BT, so I said let's do it.

 

He submitted to have $1300 moved from the Dividend, $5100 from the Hilton and $5000 from the TYP. That should leave my other 3 Citi cards at $5K each and my Simplicity from $7900 to $18,800.

 

The next day I logged online and everything was completed.

 

Cost me an extra HP but I was fine with it. Although I am not impressed with their process at all.

 

 

Screen Shot 2014-08-12 at 8.11.18 AM.png

12/19/19 06/11/20 07/02/20
Total CL: $708,900. Largest CL: Amex Bonvoy Brilliant $70K. Apple Card $40K. Chase Ritz Carlton $35K. Mouseover for individual CLs
Message 1 of 21
20 REPLIES 20
navigatethis12
Valued Contributor

Re: Issues moving Citi CL / Simplicity App. Escalated issue / 2nd HP req

It is interesting that they make it so difficult to do it and hopefully in the future the process will be different. Everyone is probably just so used to Chase doing it with no effort. At least you got what you wanted though.

It also seems Citi has analysts for different things. They have some for increases, New applications, and for something like this since each department doesn't seem to be able to do what the other does.
Message 2 of 21
vpae
Established Contributor

Re: Issues moving Citi CL / Simplicity App. Escalated issue / 2nd HP req


@navigatethis12 wrote:
It is interesting that they make it so difficult to do it and hopefully in the future the process will be different. Everyone is probably just so used to Chase doing it with no effort. At least you got what you wanted though.

It also seems Citi has analysts for different things. They have some for increases, New applications, and for something like this since each department doesn't seem to be able to do what the other does.

Totally. I think it's one thing if the policy was consistent, "no, we don't do it" and every CSR from every department knew that. I wouldn't have any mis-set expectations.

 

When I got my 2 Chase cards, within the first week, I must have moved my CL between the two cards like 3 times because I couldn't decide.

 

When I got my Amex Everyday a week ago and I wanted to move some of my CL over from my Blue Cash , I was able to do it before I even got my card. 

 

I heard US Bank is willing to move CL as well. I haven't tried it yet.

12/19/19 06/11/20 07/02/20
Total CL: $708,900. Largest CL: Amex Bonvoy Brilliant $70K. Apple Card $40K. Chase Ritz Carlton $35K. Mouseover for individual CLs
Message 3 of 21
red259
Super Contributor

Re: Issues moving Citi CL / Simplicity App. Escalated issue / 2nd HP req

I wish citi would make moving credit lines around easier. 

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019
Message 4 of 21
iwazl71
Frequent Contributor

Re: Issues moving Citi CL / Simplicity App. Escalated issue / 2nd HP req

How in the world did you get the Hilton Reserve in the same login as your other Citi cards?  I was told that it would have to be a separate login from my other cards.

Scores: EQ 796, EX 790, TU 807
Personal and Business Cards: 31 with 763k
High Limit Cards: CSP 50k | BoA Cash 81k | NFCU flagship 60k | Penfed Rewards 50k | Aviator Silver 52k
Message 5 of 21
dodgerslv
Valued Contributor

Re: Issues moving Citi CL / Simplicity App. Escalated issue / 2nd HP req


@iwazl71 wrote:

How in the world did you get the Hilton Reserve in the same login as your other Citi cards?  I was told that it would have to be a separate login from my other cards.


I linked my Reserve to my other citi accounts without any issues. You should have that option at the top of your page.

gardening since 5/21/2016
Message 6 of 21
navigatethis12
Valued Contributor

Re: Issues moving Citi CL / Simplicity App. Escalated issue / 2nd HP req

Yes US Bank will move credit limits. It's not instant like Chase, but will be done the next day.
Message 7 of 21
lg8302ch
Senior Contributor

Re: Issues moving Citi CL / Simplicity App. Escalated issue / 2nd HP req

Thanks for sharing and I am really glad at the end it worked out for you Smiley Happy  

Message 8 of 21
vpae
Established Contributor

Re: Issues moving Citi CL / Simplicity App. Escalated issue / 2nd HP req


@iwazl71 wrote:

How in the world did you get the Hilton Reserve in the same login as your other Citi cards?  I was told that it would have to be a separate login from my other cards.


Like dodgerslv said, you should be able to click Link an account at the top of your login page. I have my checking, savings and 4 CC linked to the same login.

 

 

Screen Shot 2014-08-14 at 3.22.49 PM.png

 

 

Screen Shot 2014-08-14 at 3.23.20 PM.png

 

 

12/19/19 06/11/20 07/02/20
Total CL: $708,900. Largest CL: Amex Bonvoy Brilliant $70K. Apple Card $40K. Chase Ritz Carlton $35K. Mouseover for individual CLs
Message 9 of 21
UFGuy2006
Established Contributor

Re: Issues moving Citi CL / Simplicity App. Escalated issue / 2nd HP req


@iwazl71 wrote:

How in the world did you get the Hilton Reserve in the same login as your other Citi cards?  I was told that it would have to be a separate login from my other cards.


I have the exact same question! I was told its a separate login page as well (even tho i go to the normal citi site). I have to use a separate login for that card :-/

Message 10 of 21
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