Luv Button? Citi

[Anonymous]

How often should I hit the luv button with citi to maximize my potential CL with them?

[Anonymous]

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so_confused wrote:

How often should I hit the luv button with citi to maximize my potential CL with them?

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Every 6 months or so.  Be aware it may cost a hard.

[MidnightVoice]

Nowadays, less than once a year    Unless there is a major improvement in scores or finances  

[Anonymous]

6 mos is what the CSR told me on the phone, after being denied online!

[Anonymous]

thank chedder,

Do they always pull a hard?  Better online or phone request?

[Anonymous]

I did mine online a couple of weeks ago and got a $1200 CLI without a credit pull.  My account is a year old.

[haulingthescoreup]

Someone posted that when you're in your account, go to Manage My Account and then Credit Line Increase Request. If the form comes up with all the boxes at whatnot that you have to fill in, that's a hard. If it says submit or something basic like that, it's a soft, and you're probably already pre-approved.

J.Crew isn't Citi (wish it were) but I noticed the other day that it showed the submit option. I hit enter and poof, a CLI. With my most despised CC. I'm all conflicted now.

[heirophant]

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haulingthescoreup wrote:
Someone posted that when you're in your account, go to Manage My Account and then Credit Line Increase Request. If the form comes up with all the boxes at whatnot that you have to fill in, that's a hard. If it says submit or something basic like that, it's a soft, and you're probably already pre-approved.

J.Crew isn't Citi (wish it were) but I noticed the other day that it showed the submit option. I hit enter and poof, a CLI. With my most despised CC. I'm all conflicted now.

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Wow, wish there was a trick like that with HSBC...or like AMEX - always soft.

[Anonymous]

What haulingthescoreup wrote is very true.  A few months ago I asked for a cli online and I got a form to fill out.  Not knowing that it would cost me a hard pull I filled it out and was denied.  Just now I went online to try again and this time when I clicked on request cli it automatically told me I was getting a 1700 cli --no form to fill out--and it even stated this did not result in a hard pull. 

[Anonymous]

Saedra,

Was this Citi? 

And do you know if anyone eles like BofA, or Chase do the same thing?